Joseph Falato
St Louis,MO
Summary
Talented Finance Manger with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 24 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Overview
24
24
years of professional experience
Work History
Automotive Finance Manager
Bommarito Nissan
02.2017 - Current
- Maximized profitability by negotiating and structuring optimal automotive financing deals.
- Streamlined loan approval processes for enhanced customer experience and faster turnaround times.
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Enhanced dealership sales by providing comprehensive financial solutions to clients seeking vehicle purchase or lease agreements.
- Ensured compliance with federal regulations and company policies regarding automotive financing transactions.
- Conducted regular reviews of customer credit applications to maintain accuracy and integrity in the approval process.
- Collaborated with sales managers to develop effective strategies for overcoming financial obstacles during vehicle negotiations.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
- Provided exceptional customer service by addressing inquiries promptly, resolving issues efficiently, and maintaining open communication throughout the financing process.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate vehicle purchases.
- Processed loan applications and monitored progress from start to finish.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
Automotive General Sales Manager
Travers Automotive Group
07.2004 - 01.2017
- Developed a high-performing sales team through consistent coaching, training, and motivation techniques.
- Expanded market share with proactive prospecting and lead generation efforts to identify new business opportunities.
- Achieved sales targets consistently by closely monitoring sales performance and adjusting strategies as needed.
- Enhanced customer satisfaction by delivering personalized service and addressing concerns in a timely manner.
- Analyzed market trends to adjust sales forecasts accordingly, ensuring inventory levels met fluctuating demand patterns.
- Mentored junior staff members, fostering professional growth and development within the organization''s talent pool.
- Negotiated favorable contract terms with vendors and suppliers to secure cost-effective deals on behalf of the company.
- Coached sales associates in product specifications, sales incentives, and selling techniques, significantly increasing customer satisfaction ratings.
- Developed and implemented comprehensive salesperson training program.
- Coached employees in successful selling methods and encouraged cross-selling to drive revenue.
- Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
- Coached and counseled sales personnel, assisting with individual selling efforts and helping sales representatives reach targets.
- Closed lucrative sales deals using strong negotiation and persuasion skills.
- Directed sales support staff in administrative tasks to help sales reps close deals.
Automotive Sales Professional
Breckenridge Auto Plaza
08.1999 - 06.2004
- Increased dealership sales by developing and maintaining strong relationships with clients.
- Enhanced customer satisfaction through personalized service and diligent followup.
- Collaborated with finance team to secure optimal financing solutions for customers.
- Qualified buyers by matching requirements and interests to various car or truck models and discussing finance options.
- Closed sales by overcoming objections, asking for sales, negotiating price, and completing purchase contracts,
- Negotiated purchase prices and explained sales, warranty, and optional products.
Education
High School Diploma -
North Bergen High School
North Bergen, NJSkills
Proficent in
Dealertrack
V-Auto
VinSolutions
Reyonlds and Reynolds
Goal-oriented mindset
Computer literacy
Sales expertise
Attention to detail
Team leadership
Timeline
Automotive Finance Manager
Bommarito Nissan
02.2017 - Current
Automotive General Sales Manager
Travers Automotive Group
07.2004 - 01.2017
Automotive Sales Professional
Breckenridge Auto Plaza
08.1999 - 06.2004
High School Diploma -
North Bergen High School
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