Linda Fernandez
PBG,FL
Summary
Customer-focused professional with expertise in relationship building and customer service. Skilled in networking, negotiation, and time management, delivering exceptional client experiences. Highly motivated and adaptable, efficiently acquiring new skills in dynamic environments to meet organizational goals.
Overview
13
13
years of professional experience
Work History
Dealer Account Manager
Westlake Financial Services
08.2024 - Current
- Enhanced operational efficiency by streamlining communication between dealership staff and Westlake.
- Empowered dealership staff with expert training on underwriting and dealer compliance protocols.
- Facilitated business growth through strategic product demonstrations for dealership management.
- Increased dealer profitability by collaborating on effective deal structuring and verification.
- Expanded market reach and engagement by promoting Westlake's offerings in new areas.
- Provided insights on industry trends, optimizing dealership financial services and offerings.
Credit Analyst
Autotrakk- Company Closed
12.2022 - 12.2023
- Increased loan approvals by accurately entering data into origination systems.
- Enhanced client approval rates to 35% through targeted phone interviews.
- Streamlined lease approvals to 10 minutes by optimizing credit analysis.
- Evaluated loan applications by analyzing credit risk and financial data.
- Assessed customer creditworthiness using various financial metrics and reports.
Assistant Branch Manager II And Account Manager
Nicholas Financial Inc.- Company Closed
02.2022 - 12.2022
- Increased portfolio revenue by 15% through strong dealer relationship management.
- Managed 112 loans valued at $1.54 million, achieving zero repossessions.
- Implemented risk mitigation strategies, reducing portfolio risk by 10%.
- Utilized data analysis to inform underwriting decisions and improve loan quality.
Real Estate Transaction Coordinator/Real Estate Agent
NV Realty
07.2019 - 06.2022
- Achieved highest sales performance by cultivating strong customer relationships.
- Increased client retention through effective cold calling strategies and prospecting.
- Boosted lead generation by promoting property listings via social media marketing.
- Hosted open houses to generate new business opportunities and enhance visibility.
Senior Loan Officer/Sales Trainer
Finova Financial
05.2016 - 07.2019
- Surpassed sales objectives by executing a strategic growth plan.
- Cultivated client relationships through tailored financial product recommendations.
- Reviewed applications meticulously to ensure compliance with established approval criteria.
- Collaborated with delinquent customers to formulate effective repayment plans.
- Strengthened customer loyalty via consistent communication with repeat clients.
Credit Underwriter/Senior Collections Representative
Automatic Finance
10.2012 - 05.2016
- 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.
Education
No Degree - Marketing
Valencia College
Orlando, Fl06-1981
Skills
- Customer relationship development
- Strong verbal and written communication
- Dynamic presence
- Strong work ethic
- Customer-focused
- Fluent in English and Spanish
- Effective multi-tasking
- Creditworthiness evaluation
- Loan processing documentation
- Welcoming attitude
Timeline
Dealer Account Manager
Westlake Financial Services
08.2024 - Current
Credit Analyst
Autotrakk- Company Closed
12.2022 - 12.2023
Assistant Branch Manager II And Account Manager
Nicholas Financial Inc.- Company Closed
02.2022 - 12.2022
Real Estate Transaction Coordinator/Real Estate Agent
NV Realty
07.2019 - 06.2022
Senior Loan Officer/Sales Trainer
Finova Financial
05.2016 - 07.2019
Credit Underwriter/Senior Collections Representative
Automatic Finance
10.2012 - 05.2016
No Degree - Marketing
Valencia College