JOSEPH LARRANAGA
San Bernardino,Ca
Summary
High energy management and sales professional with exceptional interpersonal and communication skills an extensive background in the following broad-based competencies: New Business Development, Staff Management, Client Satisfaction, Key Relationships, Strategic Planning, Account Management, Channel Sales, Consultative Sales. Demonstrate ability to promote products and services and secure and develop key accounts to maximize company profit. Proven ability to develop productive relationships with key decision makers and manage projects to achieve corporate goals.
Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.
Overview
29
29
years of professional experience
Work History
Credit Analyst/Marketing
Lincoln Financial Services
08.2023 - Current
- Hired to Reestablish dormant territory in the Inland empire San Bernardino and Riverside county and sign all new dealer agreements along with new guidelines and rates sheet.
- Responsible for developing relationships between the office and dealerships maintaining communications in the funding process gathering stipulations.
- Responsible for underwriting maintaining guidelines and quality control pricing deals at appropriate rate long with discounts and fees to maintain company yield.
- Responsible for collecting back funds from dealer when customers default during recourse period.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks
- Analyzed credit scores to determine borrowers' creditworthiness.
- Assessed credit risk and analyzed financial statements.
- Gathered loan documentation for underwriting.
Credit Analyst/Marketing
Bayside Credit
02.2020 - 07.2024
- Oversee and monitor a current dealer base that consist the inland empire Riverside and San Bernardino County maintain business relationships.
- Responsible for developing new relationships as dealership turn over accrues.
- Responsible for buying with in company guidelines and standards to meet company goals proper discounts loan to values and yield spreads and credit quality.
- Responsible for all communications between dealerships and office operations on new activities and along with shifts in the market.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Maintained compliance with applicable regulations and laws governing consumer credit.
Marketing Manager
Challenge Financial Services
07.2019 - 02.2020
- Oversee and monitor San Bernardino County maintain existing dealership base.
- Responsible for developing new deanship independent as dealership turn over accrues.
- Responsible for monitoring credit qualify yield spread loan to values lending discounts keeping dealers updated on all company guidelines and credit policies.
- Analyzed market trends to identify new opportunities, adjusting marketing plans accordingly for maximum effectiveness.
- Improved customer loyalty by implementing effective email marketing campaigns and personalized offers.
- Streamlined internal communication processes, ensuring alignment between marketing objectives and organizational goals.
- Improved dealership profitability by effectively managing and closing high-value deals.
- Processed loan applications and monitored progress from start to finish.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Senior Credit Manager
Tustin Community Bank
09.2010 - 07.2019
- Office Buyer Responsible for Credit policy and company guidelines maintaining company credit quality yield spread and loan to values.
- Responsible for monitoring three dealer relationship managers on there application flow and credit quality.
- Responsible for ride a longs with dealer relationship managers. And aide them in developing strong relationships through dealer communication customer service and buying in the field.
- Mentored junior team members in effective credit analysis techniques to enhance overall team performance.
- Evaluated macroeconomic conditions to anticipate potential impacts on borrowers' financial health, proactively addressing any areas of concern before they became critical issues.
- Managed a diverse loan portfolio, resulting in reduced delinquency rates and improved overall credit quality.
- Negotiated favorable terms for both new loans and restructured existing debt arrangements, ensuring mutually beneficial outcomes for all parties involved.
- Conducted thorough due diligence on prospective clients, ensuring accurate assessment of their creditworthiness.
- Developed comprehensive credit policies to ensure compliance with regulatory requirements and industry best practices.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Monitored accounts for signs of fraud and non-payment issues.
Self employed
Capitol direct lending auto wholesale
03.2009 - 09.2010
- Started auto whole sale business after layoff from Fireside Bank March 2009.
- Went to auto auctions Odesa Mannheim Fontana and Riverside purchased vehicle from these auctions transported then to one local dealership.
- Vehicles left there on consignment monitored sales of the vehicles.
- Would release titles to the dealership once vehicle was contracted.
Auto Finance Manager
Fireside Bank
03.2007 - 03.2009
- Responsible for maintaining existing dealership base keeping them informed of current company credit policies through guideline rate sheets.
- Responsible for develop new auto dealerships as turn over accrues must maintain qualified quality dealerships to keep company in good standings.
- Responsible for relating information on closed down dealerships and deactivate the files.
- Responsible for credit quality maintain yield and company goals keep company updated on all shifts and changes in the market.
- Maintained documentation, detailing assignments, in-progress work and completed project milestones.
- Increased customer engagement with creative content strategies, tailoring messages to target demographic preferences.
- Conducted thorough evaluations of client credit history to determine the best financing options available.
- Increased customer satisfaction by providing exceptional service throughout the auto finance process.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Developed strong relationships with lenders to secure favorable loan terms for customers.
- Managed a high volume of loan applications, consistently meeting or exceeding monthly targets for deals closed and revenue generated.
Area Sales Manager
AmeriCredit
01.2005 - 03.2007
- Responsible for maintaining existing dealership base keeping them informed of current company credit policies through guideline rate sheets.
- Responsible for develop new auto dealerships as turn over accrues must maintain qualified quality dealerships to keep company in good standings.
- Responsible for relating information on closed down dealerships and deactivate the files.
- Responsible for credit quality maintain yield and company goals keep company updated on all shifts and changes in the market.
- Managed a high volume of loan applications, consistently meeting or exceeding monthly targets for deals closed and revenue generated.
- Provided expert guidance during complex transactions, navigating challenging situations to close deals successfully.
- Maintained compliance with all state and federal regulations governing automotive financing practices.
- Streamlined financing procedures for faster approval and processing times.
- Provided ongoing training and support to sales staff on updated financing programs and offerings.
- Developed strategic partnerships with key industry players, increasing access to diverse lending sources for customers.
- Processed loan applications and monitored progress from start to finish.
Marketing Manger
Wells Fargo
01.2004 - 01.2005
- Responsible for maintaining existing dealership base keeping them informed of current company credit policies through guideline rate sheets.
- Responsible for develop new auto dealerships as turn over accrues must maintain qualified quality dealerships to keep company in good standings.
- Responsible for relating information on closed down dealerships and deactivate the files.
- Responsible for credit quality maintain yield and company goals keep company updated on all shifts and changes in the market.
- Organized successful trade show exhibits, showcasing products or services effectively to potential customers or partners.
- Boosted brand awareness and generated leads while managing internal and external marketing campaigns and programs.
- Developed and implemented marketing strategies to use for launches, rebranding campaigns and promotions.
- Increased brand awareness by developing and implementing strategic marketing campaigns.
- Negotiated partnerships with key influencers, maximizing brand exposure in target markets.
- Established brand guidelines to ensure consistency across all marketing materials and communications.
Marketing Manger
Fireside Bank
10.1996 - 12.2003
- Responsible for maintaining existing dealership base keeping them informed of current company credit policies through guideline rate sheets.
- Responsible for develop new auto dealerships as turn over accrues must maintain qualified quality dealerships to keep company in good standings.
- Responsible for relating information on closed down dealerships and deactivate the files.
- Responsible for credit quality maintain yield and company goals keep company updated on all shifts and changes in the market.
- Organized successful trade show exhibits, showcasing products or services effectively to potential customers or partners.
- Boosted brand awareness and generated leads while managing internal and external marketing campaigns and programs.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
Education
Certificate - Business of Importing and Exporting Trade Course
Long Beach Career Center
Long Beach, Ca01.1987
Automotive Technician - Automotive Technician coures
Los Angeles Trade Tech
01.1986
High School Diploma -
Franklin High School
Los Angeles, Ca06-1985
Skills
- Risk assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Credit decisions
- Data analysis
- Verbal and written communication
- Credit reporting
- Relationship management
- Oral and written communications
- Microsoft Excel proficiency
- Loan documentation
- Credit scoring
- Lending regulations
- Underwriting
- High risk account reviews
- Financial forecasting
- Credit programs
- Market trend analysis
- Credit policy development
- Credit risk assessment
- Loan documentation and policies
- Credit decision making
- Management advising
- Credit monitoring
- Customer service
- Written communication
- Relationship building
- Excellent communication
- Teamwork
- Problem-solving
- Time management
- Problem-solving abilities
- Multitasking
- Reliability
- Effective communication
Timeline
Credit Analyst/Marketing
Lincoln Financial Services
08.2023 - Current
Credit Analyst/Marketing
Bayside Credit
02.2020 - 07.2024
Marketing Manager
Challenge Financial Services
07.2019 - 02.2020
Senior Credit Manager
Tustin Community Bank
09.2010 - 07.2019
Self employed
Capitol direct lending auto wholesale
03.2009 - 09.2010
Auto Finance Manager
Fireside Bank
03.2007 - 03.2009
Area Sales Manager
AmeriCredit
01.2005 - 03.2007
Marketing Manger
Wells Fargo
01.2004 - 01.2005
Marketing Manger
Fireside Bank
10.1996 - 12.2003
Automotive Technician - Automotive Technician coures
Los Angeles Trade Tech
Certificate - Business of Importing and Exporting Trade Course
Long Beach Career Center
High School Diploma -
Franklin High School
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