Summary
Skills
Work Availability
Quote
Work History
Education
Languages
Overview
Generic

Linda Fernandez

Palm Beach Gardens,FL

Summary

Personable and dedicated Sales Representative with extensive experience Auto industry for over 20 plus years . Solid team player with upbeat, positive attitude and proven skill in establishing rapport with clients. Motivated to maintain customer satisfaction and contribute to company success. Articulate, enthusiastic and results-oriented with demonstrated passion for building relationships, cultivating partnerships and growing businesses. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Skills

  • Credit Analysis
  • Loan Documentation
  • Friendly, Positive Attitude
  • Good Work Ethic
  • Team Management
  • Fluent in Spanish
  • Relationship Building
  • Attention to Detail
  • Active Listening and Learning
  • Top Sales

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse

Quote

Judge a man by his questions rather than his answers.
Voltaire

Work History

Credit Analyst II

Autotrakk
United States, COMPANY DISSOLVED
12.2022 - 10.2023
  • Analyze applicant credit bureau, job and residency stability, investment, budget and associated risk and enter required data from their bureau into the loan origination system
  • Conduct phone interviews with applicants to obtain any missing information on the application and kept my exceptions under 30% keeping below company target
  • Also YTD held the highest percentage of 35% of the entire team of approving the more qualified tiered client (Silver)
  • Approve lease applications within specified limits (credit matrix) within less than 10 minutes and our company turnaround time was 15 minutes or less
  • Create and maintain dealer relationships to help improve portfolio revenue while practicing underwriting judgment
  • My portfolio was 112/$1,543,134.58 loans booked and 0 -repossessions.

Assistant Branch Manager II and Account Manager

COMPANY DISSOLVED
Boynton Beach, Florida, United States
02.2022 - 12.2022
  • Conducted dealer visits spanning from Vero to Miami, resulting in a significant sales volume increase from $100k to $389k, consistently onboarding new dealers each month.
  • Assumed responsibility for daily operations and provided pivotal support to the Branch Manager as needed.
  • Stepped into a leadership role in the absence of the Branch Manager, ensuring the continuity of operations.
  • Devised and executed a strategic plan to attain and surpass targeted sales objectives.
  • Established and nurtured client rapport by offering personalized recommendations for financial products and services.
  • Diligently reviewed applications against established criteria to determine approval, rejection, or modification requirements.
  • Worked closely with past-due customers to collaboratively develop effective resolution plans.
  • Maintained regular communication with repeat customers, strengthening long-term relationships and fostering customer loyalty.
  • Cultivated and fortified customer relationships to drive sustained revenue growth.

Senior Loan Officer/Sales Trainer

Finova Financial-COMPANY DISSOLVED
West Palm Beach, Florida, United States
05.2016 - 01.2022
  • Achieved the highest sales performance
  • Collaborated in designing and delivering comprehensive sales training and development programs for staff at every organizational tier
  • Additionally, managed auto title loans, excelled in sales, customer service, underwriting, and stood out as a top sales producer
  • Assisted the collections department in addressing the needs of Latino clients facing loan defaults
  • Spearheaded the coordination and delivery of specialized training initiatives to elevate sales performance and contributions
  • Thoroughly assessed loan applications and accompanying documentation for adherence to completeness and compliance standards
  • Cultivated strong relationships with key line of business leaders, ensuring training requirements were
  • Consistently outperformed company-wide performance averages.

Credit Underwriter/Senior Collections Representative

Automatic Finance-Palm Beach Motors
Palm Beach Gardens, Florida, United States
10.2012 - 05.2016
  • Optimized the development of the Virginia territory, establishing it from scratch for both franchise and independent dealers
  • Concurrently, drove the sales of services such as warranty and gap products to dealers statewide, optimizing overall profitability
  • Expertly managed the entire loan processing lifecycle, including skip tracing, transportation, dealership sales and finance contract oversight, and resolution of insurance claims
  • Acted as the credit buyer for all franchise and independent dealers spanning from Virginia to Florida
  • Formulated and executed recovery strategies to align with business objectives and enhance recovery systems
  • Vigilantly monitored system and decision integrity to minimize any adverse impact on customers
  • Promoted transparency by reviewing and discussing credit applications with dealers
  • Mitigated contractual inaccuracies by meticulously reviewing and approving all dealer agreements and necessary documents
  • Demonstrated versatility by engaging in car sales and financing
  • Led the Skip Tracing and Recovery Department, efficiently managing the recovery and transportation of vehicles and handling insurance claims.

Education

Associate of Arts - Business Administration

Valencia College
Orlando, FL

Languages

English
Native/ Bilingual
Spanish
Native/ Bilingual

Overview

11
11
years of professional experience

Similar Profiles

CREATE PROFILE
Linda Fernandez