MELISA P. CARVALHO

• Make sound credit decisions and assess risk across a nationwide dealer network, establishing and managing credit facilities for new and existing customers.
• Partner with Senior Credit Analysts to underwrite and monitor wholesale credit lines, balancing business growth with prudent risk management.
• Lead wholesale account management and funding operations in a high-volume environment, ensuring accuracy, efficiency, and exceptional service while meeting critical deadlines.
• Drive operational excellence through process improvement initiatives, including the successful automation of Bank of America invoice processing and the design and implementation of a department-wide technology platform adopted across the organization.
• Serve as a key stakeholder in national account management, fraud prevention, and cross-functional collaboration, overseeing complex funding transactions, developing SOPs, and coordinating with accounting, technology, and Canadian teams to protect company interests and enhance operational consistency.

Wholesale Operations

• Managed wholesale funding and dealer floorplan portfolios, overseeing funding, collections, account reconciliation, and customer relationships.
• Mitigated portfolio risk through credit analysis, collateral audits, insurance compliance, and negotiation of UCC subordination agreements.
• Served as a trusted partner to dealers, manufacturers, legal counsel, auditors, and accounting teams, resolving complex financing issues and ensuring operational excellence.
• Led employee training initiatives and collaborated with IT and executive leadership to enhance system efficiencies and strengthen SOX compliance.

Inside Sales Strategy & Operations Support (expanded scope)

• Assisted with dealer prospecting and marketing initiatives to support portfolio growth.
• Partnered with outside sales representatives to strengthen dealer relationships and identify financing opportunities.
• Served as a primary point of contact for dealers and manufacturers, providing financing program support and issue resolution.
• Supported customer retention through responsive account servicing and relationship management.

• Built a strong foundation in customer service, billing administration, account maintenance, and issue resolution in fast-paced business environments.
• Supported daily business operations through accurate data management, financial transaction processing, and administrative coordination.
• Developed and implemented organizational processes that improved workflow efficiency and operational effectiveness.
• Partnered with business owners and customers to resolve complex issues, maintain accurate records, and ensure high levels of service.
• Demonstrated attention to detail, problem-solving, and process improvement skills that established the foundation for a successful career in finance and operations.