Summary
Overview
Work History
Education
Skills
Timeline
Generic

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
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
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
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
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
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
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
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
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, NC
06.1985

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

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Michael Peoples