Julio Ruiz
Mcallen,TX
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
17
17
years of professional experience
Work History
Field Risk Specialist
DataScan
08.2020 - 12.2021
- Monitor franchise and independent auto dealer’s inventory
- Excellent and friendly communication with dealer’s managers and owners in order to get all documentation requested by clients
- Advised clients of any possible risks during or post audit.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
- Investigated allegations to check validity and recommend actions to minimize risk.
- Self-motivated, with a strong sense of personal responsibility
- Skilled at working independently and collaboratively in a team environment
- Worked well in a team setting, providing support and guidance
Dealer Account Manager
Westlake Financial Services
12.2019 - 03.2020
- Built relationships with customers and community to establish long-term business growth.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Managed accounts to retain existing relationships and grow share of business.
- Demonstrated products to show potential customers benefits and advantages and encourage purchases.
- Communicated product quality and market comparisons by creating sales presentations.
Branch Supervisor
Lobel Financial
04.2018 - 07.2019
- Build, rekindle, and/or maintain business relation with auto dealerships
- Underwrite and rehash loans submitted by dealership
- Call dealers collect documents needed to fund loan.
- Collaborated with other supervisors to coordinate activities of individual team members and departments.
- Assisted front-line staff with handling difficulties, resolving problems and managing large transactions.
- Resolved issues through active listening and open-ended questioning, escalating major problems to manager.
- Interceded between employees during arguments and diffused tense situations.
Sales Associate
Hacienda Ford
01.2017 - 02.2017
- Assisted clients in the purchase on their next vehicle by listening to their needs and wants I was able to guide them to the right unit
- Reached top 5 salesman out of 20 by keeping in touch with previous customer as well as new ones.
- Closed sales by overcoming objections, asking for sales, negotiating price, and completing purchase contracts,
- Demonstrated automobiles by explaining characteristics, capabilities, and features, taking test drives and explaining warranties and services.
- Answered telephone and email inquiries from potential customers.
- Followed-up on warm Internet leads and responded to customer questions about vehicle availability, price, and options while fielding inquiries from various marketing websites.
Automotive Sales Consultant
Payne Auto Group
01.2016 - 01.2017
- Utilized CRM program to develop new business
- Approached walk in clients and strengthen my pipeline
- Consult with service advisors for any potential leads.
- Closed sales by overcoming objections, asking for sales, negotiating price, and completing purchase contracts,
- Demonstrated automobiles by explaining characteristics, capabilities, and features, taking test drives and explaining warranties and services.
- Recommended complementary purchases to customers, increasing revenue.
- Developed strong rapport with customers and created positive impression of business.
- Delivered energetic responses to customers in-store and by telephone, going above and beyond to serve needs.
Lending and Service Manager
South Texas FCU
08.2013 - 12.2015
- Assisted COO/VP of Operations achieve lending goals
- Keep track of all new loans, tiers, and delinquency
- Provided guidance to MSRs with lending questions
- Trained employees to cross sell credit union products (example: GAP, Credit Life, Disability, and Warranty)
- Maintained an excellent business communication with local dealerships to grow credit union’s lending portfolio.
- Resolved customer complaints in professional and timely manner.
- Hired, trained and supervised team of service staff members to meet business goals.
- Developed and maintained positive relationships with customers to build rapport and trust.
- Improved staffing during busy periods by creating employee schedules and monitoring call-outs.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
- Set aggressive targets for employees to drive company success and strengthen motivation.
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
- Trained personnel in equipment maintenance and enforced participation in exercises focused on developing key skills.
Senior Underwriter
SECURITY 1ST FCU
07.2004 - 07.2013
- Review an average of 786 applications monthly
- Financed over $10 million in 2008 with an average of over 25% approval ratio
- Evaluated the financial strength of borrowers to determine risk and repayment capacity.
Education
Texas Credit Union
2002
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South Texas College
1999
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South Texas College
1998
High School Diploma - undefined
McAllen Memorial High School
1996
Skills
- Well organized, team player, fast learner, and leadership skills
- Staff Training
- Leadership and Change Management
- Customer Service
- Handling Complaints
- Bank Secrecy Act
Languages
Spanish
Native or Bilingual
Timeline
Field Risk Specialist
DataScan
08.2020 - 12.2021
Dealer Account Manager
Westlake Financial Services
12.2019 - 03.2020
Branch Supervisor
Lobel Financial
04.2018 - 07.2019
Sales Associate
Hacienda Ford
01.2017 - 02.2017
Automotive Sales Consultant
Payne Auto Group
01.2016 - 01.2017
Lending and Service Manager
South Texas FCU
08.2013 - 12.2015
Senior Underwriter
SECURITY 1ST FCU
07.2004 - 07.2013
Texas Credit Union
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South Texas College
undefined
South Texas College
High School Diploma - undefined
McAllen Memorial High School
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