Joseph Panzica

• Oversaw comprehensive home improvement initiatives, focusing on client-specific design and functionality needs.
• Cultivated a proactive approach to responsibilities, ensuring high standards of performance and reliability.
• Executed tasks efficiently in rapidly changing environments, contributing to overall team success.
• Fostered teamwork and self-sufficiency to enhance overall project outcomes and team dynamics.
• Adapted quickly to new information and adjusted strategies to address shifting situations.
• Executed comprehensive home building and furnishing projects, delivering personalized designs for numerous clients throughout a ten-year tenure in Philadelphia.
• Specialized in delivering high-quality, custom-built installations for kitchens and bathrooms, ensuring client satisfaction.

Developed and implemented strategies to promote and sell extended warranties, credit protection service contracts, and additional aftermarket products.

• Financing Management: Consult with customers to determine financing needs, explain leasing advantages, and use industry software to present tailored payment options.
• Lender Relations: Build and maintain strong relationships with various lending institutions to secure competitive interest rates and diverse program options for customers.
• Credit Decisioning: Interview customers to assess creditworthiness, process credit applications, and coordinate with loan underwriters to obtain necessary stipulations for deal approval.
• Operational Leadership: Set and track targeted sales goals for the F&I department, ensuring all activities align with dealership profitability and Mercedes-Benz brand values.
• Compliance Oversight: Ensure every transaction adheres to all local, state, and federal regulations, including the Fair Credit Reporting Act and consumer protection legislation

• Achieved JM&A certification and utilized advanced menu-selling techniques to increase backend product penetration by 25% within the first 6 months.
• Maintained a consistent $2,500+ PVR (Profit per Vehicle Retained) by structuring and selling Mercedes-Benz StarService Extended Limited Warranties and GAP insurance.
• Ranked #1 in the dealership group for Tire & Wheel protection penetration, leading to increased profitability and customer retention.
• Surpassed monthly JM&A F&I product goals by 15% through consultative selling, aligning products with customer lifestyle and vehicle needs.
• Maximized profitability on 200+ new and used luxury units monthly by expertly structuring deals and negotiating with lenders.