Michael Peoples
Las Vegas,NV
Summary
Highly motivated Credit Analyst and Sales Associate with extensive sales and buying experience.
Outgoing professional with a track record of driving increased sales, and elevating company profile with target market.
Overview
33
33
years of professional experience
Work History
Credit Analyst
RumbleOn Finance
Las Vegas, NV
11.2021 - Current
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Assessed credit risk and analyzed financial statements.
Dealer Development Manager
Mechanics Bank Auto Finance
Irvine, CA
04.2014 - 10.2021
- 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.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
Credit Analyst
CRB Auto Finance / Mechanics Bank Auto Finance
Irvine, CA
06.2011 - 03.2014
- Gathered loan documentation for underwriting.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
Dealer Sales Representative
CIG Financial
Santa Ana, CA
01.2010 - 05.2011
- 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.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Implemented systems and procedures to increase sales.
Dealer Development Manager
Long Beach Acceptance
Orange, CA
11.2004 - 01.2010
- 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.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
- Managed accounts to retain existing relationships and grow share of business.
Dealer Relationship Manager
Triad Financial
Huntington Beach, CA
09.2001 - 10.2004
- 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.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
Auto Branch Mgr
AmeriCredit Financial Services
Orange, CA
08.1997 - 08.2001
- Maintained friendly and professional customer interactions.
- Assessed employee performance and developed improvement plans.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Engaged employees in business processes with positive motivational techniques.
- Complied with regulatory guidelines and requirements.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Resolved various issues impacting sales management and business operations.
Credit Analyst / Collections Mgr.
Toyota Motor Credit Corporation
Irvine, CA
01.1990 - 07.1997
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Developed strategies to expedite payments and customer resolutions.
Education
Bachelor of Arts - English Literature / Minor in Journalism
North Carolina Central University
Durham, NC06.1985
Skills
- Federal Statutes
- Financial Structuring
- Financial Forecasting
- Loan Documentation and Policies
- Underwriting
Timeline
Credit Analyst
RumbleOn Finance
11.2021 - Current
Dealer Development Manager
Mechanics Bank Auto Finance
04.2014 - 10.2021
Credit Analyst
CRB Auto Finance / Mechanics Bank Auto Finance
06.2011 - 03.2014
Dealer Sales Representative
CIG Financial
01.2010 - 05.2011
Dealer Development Manager
Long Beach Acceptance
11.2004 - 01.2010
Dealer Relationship Manager
Triad Financial
09.2001 - 10.2004
Auto Branch Mgr
AmeriCredit Financial Services
08.1997 - 08.2001
Credit Analyst / Collections Mgr.
Toyota Motor Credit Corporation
01.1990 - 07.1997
Bachelor of Arts - English Literature / Minor in Journalism
North Carolina Central University