Manuel Ybarra
Hendricks Toyota Of North Charleston
North Charleston,SC
1
Certification
24
years of professional experience
Business-minded Finance Manager promoting more than 10 years of expertise. Highly collaborative individual with track record of effectively creating a platform for effective and efficient customer service. Offering confidence not only for myself but for the team. An individual driven by the belief that teamwork and collaboration can create the best result.
Work History
Finance Manager
3 Years 9 Months- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assessed loan portfolios for compliance with underwriting policies.
- Proactively identified solutions for customers experiencing credit issues.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
Owner/Operator
8 Years 7 Months- Founded and managed business, growing revenue in first year.
- Prepared bank deposits and handled business sales, returns and transaction reports.
- Developed and implemented marketing strategies to generate new customers and increase sales and profit margins.
- Conducted audit inspections and independent checks to verify parts and materials.
- Managed day-to-day business operations.
- Worked with marketing teams to create print and online advertisements to bring in new customers.
- Organized and attended trade shows and special events to showcase products, network with other businesses and attract new customers.
- Consulted with customers to assess needs and propose optimal solutions.
- Adhered to regulatory and policy changes and made necessary adjustments to maintain overall success.
Finance Manager
8 Years 4 Months- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Negotiated loan terms and conditions with customers to secure best deal.
Auto Sales Representative
1 Year- Maintained up-to-date knowledge of store sales, payment policies and security standards.
- Delivered energetic responses to customers in-store and by telephone, going above and beyond to serve needs.
- Recommended complementary purchases to customers, increasing revenue.
- Qualified buyers by matching requirements and interests to various car or truck models and discussing finance options.
- Engaged in friendly conversation with customer to better uncover individual needs.
- Listened to customer needs and desires to identify and recommend optimal products.
- Answered customer questions about products and services, helped locate merchandise, and promoted key items.
Education
High School Diploma
No Degree - Marketing And Advertising
Skills
Lender Relationships
Verbal and Written Communication
Customer Financing
Customer Satisfaction
Deal Structuring
Customer Relationship Development
Title Laws
Lending Practices
Regulatory Compliance and Documentation
Loan Processing
Financing Expertise
Electronic Contracting
Deal Negotiations
Registration Paperwork
Fluent in Docu-Pad
Certification
- Certified AFIP-Association of Finance & Insurance Professionals.
Timeline
Finance Manager
Hendricks Toyota Of North Charleston
05.2019 - 02.2023Read More
Owner/Operator
Toys Inc
07.2010 - 02.2019Read More
Finance Manager
Watson Chevrolet - Vantuyl Store Group
01.2001 - 05.2009Read More
Auto Sales Representative
Watson Chevrolet - Vantuyl Store Group
01.1999 - 01.2000Read More
University of Arizona
No Degree from Marketing And Advertising
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Cholla Magnet High School
High School Diploma
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