JOHN-CARL GRANADOS

• Oversee the success, retention, growth, and financial performance of BridgeHaul’s client portfolio, leading client relationships, factoring operations, portfolio health, and customer experience.

• Manage 174 transportation clients representing approximately $6M in monthly factoring volume, from owner-operators to large fleet operations.

• Lead Operations functions, including auditing, verification, billing, collections, debtor setup, credit review, and bilingual client support.

• Build strategic relationships with carriers, fleet owners, brokers, debtors, and stakeholders to strengthen retention, utilization, and account growth.

• Monitor A/R aging, funding activity, reserves, factoring volume, payment trends, broker exposure, and portfolio health to identify risks and growth opportunities.

• Evaluate broker/debtor credit, adjust exposure when appropriate, and partner with Credit and Underwriting to mitigate risk while supporting client funding needs.

• Serve as the primary escalation point for funding issues, invoice discrepancies, deductions, claims, disputes, chargebacks, recourse, collections, and service concerns.

• Collaborate across Operations, Credit, Underwriting, Collections, Compliance, Sales, Accounting, and Executive Leadership to resolve issues and improve service delivery.

• Develop processes, procedures, and controls that increase efficiency, reduce financial exposure, strengthen accountability, and improve client experience.

• Analyze portfolio performance, financial trends, KPIs, and client activity to identify retention risks, revenue opportunities, and areas requiring intervention.

• Prepare and present weekly portfolio, operational, and client-success reports to senior leadership with actionable insights, risk assessments, and recommendations.

• Establish priorities, monitor KPIs, coach team members, and balance client advocacy with financial risk, profitability, compliance, and growth objectives.

• Auditing – Review invoice packets, rate confirmations, BOLs, PODs, and supporting documents for accuracy, funding eligibility, discrepancies, duplicate submissions, and fraud.
• Verification – Contact brokers or use broker portals to verify rates, delivery, documentation, and contractual obligations before funding.
• Client Account Support – Manage daily operational and financial support for transportation clients, including funding, invoices, broker credit, payments, documentation, and account issues.
• Internal Billing – Manage broker accounts requiring specialized invoicing, ensuring accurate billing and timely submission.
• Collections & A/R – Monitor aging receivables, communicate with brokers and A/P teams, confirm NOAs, obtain payment updates, and resolve outstanding balances.
• New Debtor Setup & Credit – Screen brokers and debtors, review credit and payment history, gather documentation, and perform due diligence.
• Fuel Advances – Review and process carrier fuel advances, ensuring accuracy, compliance, and timely funding.
• Client Specialist (Bilingual) – Provide English/Spanish support to carriers on factoring, funding, broker credit, billing, collections, and account matters.
• Issue Resolution – Resolve funding discrepancies, payment disputes, deductions, claims, missing documentation, and verification concerns.
• Relationship Management – Build relationships with carriers, brokers, shippers, and A/P teams to improve communication and client retention.
• Process Improvement – Identify workflow inefficiencies and implement improvements to increase accuracy and reduce turnaround times.
• Fraud Prevention & Risk – Monitor duplicate billing, altered documents, unusual activity, and financial exposure while ensuring compliance with factoring agreements and company policies.

• Drive new business and portfolio growth by identifying, engaging, and converting prospective businesses into long-term factoring clients.
• Consult with prospects to evaluate cash flow and working capital needs, providing tailored factoring solutions.
• Prospect through phone, email, text, referrals, and targeted outreach across multiple markets and industries.
• Analyze Accounts Receivable and Aging reports to evaluate funding needs, debtor concentration, factoring potential, and appropriate financial solutions.
• Develop relationships with referral partners and industry contacts to expand prospecting channels and generate qualified opportunities.
• Manage the factoring sales cycle from prospecting and financial discovery through proposals, documentation, underwriting, contracts, and onboarding.
• Collaborate with Operations, Credit, Underwriting, Compliance, and leadership to structure competitive factoring solutions while balancing client needs and financial risk.
• Collect and verify financial, state, and federal documentation required to evaluate applicants, assess risk, and maintain compliance.
• Maintain CRM records, pipeline activity, prospect communications, follow-ups, and sales data to support forecasting and opportunity management.
• Develop targeted sales strategies based on client needs, market opportunities, and competitive positioning to increase conversion and factoring volume.
• Manage client relationships after onboarding, identifying opportunities to increase utilization, retention, and portfolio growth.
• Identify inactive, underutilized, and growth-ready accounts and develop strategies to increase engagement and factoring volume.
• Continuously refine sales and relationship strategies to meet or exceed monthly, quarterly, and annual performance goals.
• Protect confidential financial information while maintaining company, contractual, and industry compliance.

· Mentor at-risk youth, gang members and youth in the foster care system, providing consistent guidance, accountability, encouragement, and positive adult support.
· Help students become more independent learners, remain engaged in their education, overcome challenges, and work toward academic & personal goals.
· Support students with classroom curriculum, assignments, projects and other academic responsibilities.
· Identify individual social, educational, behavioral, and emotional barriers and help youth develop practical strategies and personalized plans for overcoming them.
· Plan and organize outcome focused activities designed to engage students, strengthen decision-making skills, build confidence, and encourage positive personal development.
· Help youth recognize their strengths, talents, abilities, and potential, encouraging them to find productive ways to apply those strengths in school, work, and their communities.
· Build trusted relationships with youth who may have experienced gang involvement, instability, foster care, or other challenging circumstances, providing mentorship centered on accountability, consistency, and personal growth.
· Serve as a positive role model while reinforcing leadership, responsibility, communication, conflict resolution, and goal setting skills.
· As Meal Coordinator, plan and coordinate meals for students and program activities, including organizing meal schedules, food preparation, distribution, and logistics.
· Coordinate with volunteers, staff, community partners, and donors to ensure meals are available and efficiently served during programming & special events.
· Help identify program needs and develop practical solutions that strengthen the organization's ability to serve youth, families, & the community.
· Support the overall mission of the academy by combining mentorship, relationship building, program coordination, and community service to help young people build a more positive and sustainable future.

• Generate new factoring business by building a pipeline of commercial prospects and converting qualified opportunities into funded clients.
• Conduct financial discovery with business owners to identify cash-flow challenges, working capital needs, and A/R financing opportunities.
• Build pipelines through outbound calls, email, referrals, networking, and targeted market development.
• Review A/R Aging reports and customer concentrations to evaluate financing needs, potential volume, and account opportunities.
• Advise prospects on factoring structures, rates, funding processes, and solutions based on their business needs.
• Develop relationships with referral partners and industry professionals to create sustainable sources of new business.
• Manage the sales cycle from qualification and financial review through proposals, underwriting, contracts, and onboarding.
• Partner with Credit, Underwriting, Operations, and Compliance to move qualified opportunities from prospect to funded client.
• Gather and review financial, state, and federal documentation required for underwriting, risk assessment, and approval.
• Maintain accurate CRM records, pipeline activity, follow-ups, opportunities, and sales forecasts.
• Develop account strategies to overcome objections, improve conversions, and increase factoring volume.
• Maintain client relationships after onboarding to increase utilization, retention, and identify additional opportunities.
• Re-engage inactive and underutilized accounts to restore factoring activity and generate portfolio revenue.
• Track performance against monthly, quarterly, and annual goals while refining sales strategies to improve results.
• Protect confidential financial information and maintain company, contractual, and compliance standards.

• Owned relationships with assigned factoring clients, focusing on account growth, increased funding activity, retention, and long-term revenue.
• Expanded existing accounts by identifying additional financing needs and opportunities to increase factoring utilization.
• Worked closely with Underwriting to identify gaps in existing guidelines and develop new policies and processes that opened additional funding opportunities and revenue streams.
• Used A/R Aging, customer concentration, payment history, and business performance to better understand client needs and uncover growth opportunities.
• Served as a financial consultant to transportation businesses, helping owners understand factoring, cash flow, working capital, and available financing options.
• Generated new business through direct outreach, industry events, referrals, and relationship-based prospecting.
• Built trusted relationships with clients and referral partners, creating repeat business and sustainable sources of new opportunities.
• Collaborated across departments to solve complex account challenges and find solutions that balanced customer needs, revenue potential, and risk.
• Recognized opportunities to improve products, policies, and internal processes based on direct client experience and market feedback.
• Consistently performed above 125% of annual sales quota while contributing as a sales leader and resource to the broader organization.
• Trained new hires and managers on factoring products, sales techniques, operational systems, client conversations, and daily workflows.
• Educated cross-functional teams on factoring products and their value, helping strengthen product knowledge throughout the organization.
• Maintained detailed CRM activity and account records to track client engagement, opportunities, follow-ups, and revenue potential.
• Protected sensitive business and financial information while adhering to company risk, compliance, and data-security requirements.

• Built and maintained an active B2B SaaS pipeline by engaging carrier and broker prospects through outbound calls, emails, and targeted outreach.
• Prospected and qualified businesses for Truckstop’s SaaS products, identifying operational needs and matching prospects with relevant technology solutions.
• Generated qualified opportunities by creating interest, uncovering business needs, overcoming objections, and advancing prospects through the sales funnel.
• Researched target companies and decision-makers to develop personalized outreach and identify high-potential accounts.
• Partnered with Account Executives to prioritize opportunities, schedule product demos, improve conversions, and grow pipeline.
• Managed prospect activity in Salesforce, maintaining accurate records of calls, emails, lead status, follow-ups, and customer interactions.
• Developed outbound messaging and call strategies to generate interest in Truckstop’s technology, financial, and compliance solutions.
• Built relationships with transportation businesses and decision-makers to expand market presence and create revenue opportunities.
• Educated prospects on SaaS products, features, business applications, and value while identifying appropriate solutions.
• Qualified targeted accounts based on internal sales benchmarks before advancing opportunities through the sales process.
• Collaborated with Sales and cross-functional teams to improve prospecting strategies, lead quality, and revenue performance.
• Monitored outreach, pipeline activity, and conversion trends to identify opportunities for improving sales performance.
• Supported contract discussions and client handoffs while maintaining continuity between prospects and internal teams.
• Maintained relationships with current and prospective customers to support future opportunities, referrals, and revenue growth.

• Managed relationships with small to medium-sized business owners, identifying vehicle and financing solutions based on operational, financial, and transportation needs.
• Built long-term relationships with business owners, individual customers, lenders, and internal partners, generating repeat and referral business.
• Managed the full sales cycle, from internet lead generation and outreach through needs assessment, vehicle selection, financing, negotiation, closing, and post-sale follow-up.
• Delivered a consultative sales experience in English and Spanish, building trust with a diverse customer base and driving strong satisfaction.
• Worked directly with commercial customers to understand vehicle usage, budgets, financing requirements, and long-term business needs.
• Developed relationships with lenders and financial institutions to improve financing opportunities, including complex and credit-challenged transactions.
• Conducted customer and financing risk evaluations using multiple data sources to support successful transactions.
• Managed and prioritized a high volume of digital sales leads based on customer needs, timeline, product interest, and purchase readiness.
• Developed digital marketing and outreach strategies to increase lead generation, customer engagement, and dealership visibility.
• Analyzed automotive trends, pricing, competitor activity, website traffic, and campaign performance to improve sales strategies.
• Maintained strong knowledge of vehicle technology, products, financing options, and market trends, serving as a trusted resource for customers and colleagues.
• Maintained post-sale relationships to strengthen customer retention, referrals, and future sales opportunities.
• Consistently delivered an exceptional customer experience, contributing to strong online ratings and customer satisfaction.

• Managed the full B2B sales cycle, from prospecting and discovery through solution development, negotiation, closing, and account activation.
• Developed relationships with small and mid-sized business owners, executives, and key decision-makers throughout an assigned territory.
• Conducted in-person and virtual consultations to identify business needs and recommend customized technology solutions.
• Sold a portfolio of AT&T business solutions, including wireless, fiber internet, voice, connectivity, and cybersecurity services.
• Owned an assigned B2B sales territory, managing pipeline development, customer relationships, new opportunities, and revenue goals.
• Consistently achieved and exceeded sales quotas through consultative selling, strategic prospecting, and relationship management.
• Identified new business opportunities and expanded existing accounts through cross-selling and upselling.
• Delivered exceptional customer service and sales support in both English and Spanish.
• Served as a Certified Apple Master Liaison, providing peers with product training, expertise, and insights on Apple technology and solutions.
• Shared sales strategies, competitive insights, product knowledge, and best practices to support overall team performance.
• Maintained knowledge of competitive products, emerging technology, and market trends to strengthen customer recommendations.
• Adapted quickly to changing technology, products, and customer needs in a fast-paced sales environment.
• Earned multiple Summit Quarterly Silver Awards, ranking in the top 10% nationally for sales performance.
• Received multiple E3 Awards for exceptional customer satisfaction and service performance within the market.