John Scarminach
Mesa,AZ
Summary
Dynamic and results-driven Finance Manager with over 23 years of automotive experience and a proven record of success in progressive roles. Highley skilled in building strong lender and product provider relationships, strategic negotiation, and ethical, low pressure sales practices. Detail-oriented, motivated team player who excels in fast-paced environments and embraces new challenges.
Overview
24
24
years of professional experience
Work History
Finance Manager
Courtesy CDJR Formerly Heggs CDJR
04.2019 - Current
- Drive F&I profitability through ethical, consultative product penetration.
- Achieve 66% VSC, 55% Gap, and 40% Maintenance.
- Manage all aspects of F&I operations at Mesa location since 2014, including transition through dealership acquisition in 2019.
- Consistently generate $3000+ PVR with strong lender mix.
- Maintain lender relationships and fund contracts within 6 days on average.
- Train and support sales staff on compliance and proper documentation.
Finance Manager
Heggs CDJR of Superstition Springs
6130 E Auto Park Dr, AZ
06.2014 - 04.2019
- Maximized profitability by negotiating and structuring optimal automotive financing deals.
- Achieved 980 customer service ratings by providing clear, understandable explanations of finance terms and conditions.
- Maintain CIT's and obtain funding within 9 days of contract date with 90% funded with in 5 days.
- 60% VSC
- 51% Gap
- 40% Maintenance
- Support sales staff and managers to maximize both volume and gross profit.
Finance Manager
Power Chevrolet AutoNation
09.2008 - 06.2014
- Coordinate Financial transactions between sales associates, sales managers, guests and lenders.
- Communicate necessary paperwork to all lenders to obtain credit approvals as quickly as possible.
- Resolve monthly discrepancies between dealer computed reserves and finance source computed reserves as reported on financial statements.
- Maintained an organized workflow by prioritizing tasks effectively managing multiple client files simultaneously ensuring timely processing of all transactions.
- Streamlined loan approval processes, reducing wait times for customers and increasing overall efficiency.
Finance Manager
Champion Chevrolet AutoNation
Austin, Texas
04.2002 - 02.2008
- Work closely with sales managers to ensure prompt delivery of every deal-minimize customer wait time.
- Maintain positive lender relationships.
- Conduct regular training on sales techniques/policies/procedures.
- Maintain daily sales logs of all products sold by vehicle type and F&I income source.
- Coach, train, and motivate sales consultants.
Skills
- Leadership & Team Development
- Strategic Negotiations
- Compliance & Documentation
- Time Management
- Problem Solving
- Route One
- CDK
- CUDL
- Darwin
Timeline
Finance Manager
Courtesy CDJR Formerly Heggs CDJR
04.2019 - Current
Finance Manager
Heggs CDJR of Superstition Springs
06.2014 - 04.2019
Finance Manager
Power Chevrolet AutoNation
09.2008 - 06.2014
Finance Manager
Champion Chevrolet AutoNation
04.2002 - 02.2008