Michael Ramos
Bradenton,FL
Summary
Experienced Owner/Operator & Finance Manager with over thirty years of experience in automotive sales & finance. Specialized in sub-prime financing in automotive sales. Detail-oriented team player with strong organizational skills. Ability to handle multiple jobs simultaneously with a high degree of accuracy. Excellent reputation for resolving problems and improving customer satisfaction. Dedicated professional with history of meeting company goals using consistent and organized ideas. Skilled in working under pressure and adapting to new situations and challenges.
Overview
17
17
years of professional experience
Work History
Owner and Operator
Tech Squad Auto Sales
11.2017 - 05.2021
- Purchased vehicles at auctions and other dealerships.
- Attended auctions to sell undesirable vehicles and purchase needed makes and models.
- Established and reached monthly finance and revenue goals for automotive sales, service contracts, customer service, and other identified key benchmarks
- Responsible for scheduling and managing test drives, paperwork, and inventory organization.
- Assess whether car buyers need financing and payment options before presenting them with appropriate auto finance plans
- Maintain the highest ethical standards serving as a finance manager who is committed to high customer satisfaction
- Support the auto financing practices during each vehicle purchase and leverage opportunities to offer aftermarket products, service contracts, and insurance programs
- Abide by federal, state, and local regulations when preparing paperwork, finalizing financial transactions, setting interest rates, and working with lending institutions
- Manage inventory of finance department supplies, including bank, state, and auto dealership forms
- Negotiated purchase prices and explained sales, warranty and optional products.
- Qualified buyers by matching requirements and interests to various car or truck models and discussing finance options.
- Reviewed vehicles before final delivery to validate for completed tasks such as installed add-ons and damage corrections.
- Closed sales by overcoming objections, asking for sales, negotiating price and completing purchase contracts,
- Answered telephone and email inquiries from potential customers.
- Demonstrated automobiles by explaining characteristics, capabilities and features, taking test drives and explaining warranties and services.
- Responded to customer enquiries via telephone and email.
- Completed registration paperwork and sales documentation.
- Outlined sales, warranty and service procedures.
- Established and devised strategy to meet personal goals consistent with dealership standards of productivity.
- Maintained compliance with all service, quality, and regulatory standards.
Sales and Finance Manager
Clear Auto
12.2016 - 10.2017
- Executed financial bank vendor setup and payment, administration of bank accounts and account reconciliations.
- Trained new and existing staff members in various financial procedures to prepare for job requirements.
- Supported operations management, sales, and marketing efforts to increase revenue and overall financial health.
- Responsible for scheduling and managing test drives, paperwork, and inventory organization.
- Assess whether car buyers need financing and payment options before presenting them with appropriate auto finance plans
- Maintain the highest ethical standards serving as a finance manager who is committed to high customer satisfaction
- Support the auto financing practices during each vehicle purchase and leverage opportunities to offer aftermarket products, service contracts, and insurance programs
- Abide by federal, state, and local regulations when preparing paperwork, finalizing financial transactions, setting interest rates, and working with lending institutions
- Manage inventory of finance department supplies, including bank, state, and auto dealership forms
- Negotiated purchase prices and explained sales, warranty and optional products.
- Qualified buyers by matching requirements and interests to various car or truck models and discussing finance options.
- Closed sales by overcoming objections, asking for sales, negotiating price and completing purchase contracts,
- Answered telephone and email inquiries from potential customers.
- Responded to customer enquiries via telephone and email.
- Completed registration paperwork and sales documentation.
- Outlined sales, warranty and service procedures.
- Established and devised strategy to meet personal goals consistent with dealership standards of productivity.
- Maintained compliance with all service, quality, and regulatory standards.
Finance Manager
Union Auto NB
11.2013 - 12.2016
- Trained new and existing staff members in various financial procedures to prepare for job requirements.
- Supported operations management, sales, and marketing efforts to increase revenue and overall financial health.
- Assess whether car buyers need financing and payment options before presenting them with appropriate auto finance plans
- Maintain the highest ethical standards serving as a finance manager who is committed to high customer satisfaction
- Support the auto financing practices during each vehicle purchase and leverage opportunities to offer aftermarket products, service contracts, and insurance programs
- Abide by federal, state, and local regulations when preparing paperwork, finalizing financial transactions, setting interest rates, and working with lending institutions
- Manage inventory of finance department supplies, including bank, state, and auto dealership forms
Assistant Finance Manager
AsankaCars.com
03.2012 - 12.2013
- Verified customer information, including income information and signature.
- Arranged financing and reviewed required documents to determine approval/rejection.
- Assisted sales staff in determining available financing options.
- Maintained positive relationships with Financial Institutions
- Assisted sales team to successfully complete customer transactions
- Determined whether or not to approve financing on a case-by-case basis.
Owner/ Operator
Mashpee Auto Brokers
01.2004 - 02.2013
- Managed day-to-day business operations.
- Purchased vehicles at auctions and other dealerships.
- Attended auctions to sell undesirable vehicles and purchase needed makes and models.
- Established and reached monthly finance and revenue goals for automotive sales, service contracts, customer service, and other identified key benchmarks
- Responsible for scheduling and managing test drives, paperwork, and inventory organization.
- Assess whether car buyers need financing and payment options before presenting them with appropriate auto finance plans
- Maintain the highest ethical standards serving as a finance manager who is committed to high customer satisfaction
- Support the auto financing practices during each vehicle purchase and leverage opportunities to offer aftermarket products, service contracts, and insurance programs
- Abide by federal, state, and local regulations when preparing paperwork, finalizing financial transactions, setting interest rates, and working with lending institutions
- Manage inventory of finance department supplies, including bank, state, and auto dealership forms
- Negotiated purchase prices and explained sales, warranty and optional products.
- Qualified buyers by matching requirements and interests to various car or truck models and discussing finance options.
- Reviewed vehicles before final delivery to validate for completed tasks such as installed add-ons and damage corrections.
- Closed sales by overcoming objections, asking for sales, negotiating price and completing purchase contracts,
- Answered telephone and email inquiries from potential customers.
- Demonstrated automobiles by explaining characteristics, capabilities and features, taking test drives and explaining warranties and services.
- Responded to customer enquiries via telephone and email.
- Completed registration paperwork and sales documentation.
- Outlined sales, warranty and service procedures.
- Established and devised strategy to meet personal goals consistent with dealership standards of productivity.
- Maintained compliance with all service, quality, and regulatory standards.
Education
High School Diploma -
Falmouth High School
Falmouth, MA05.1992
Skills
- Car Dealership Startup
- Sales Records Management
- Credit Analysis
- Financial Analysis
- Operations Management
- Financial Management
- Sales Quota Management
- Coaching and Training
- Strategic Planning
- Customer Experience
- Marketing Strategy
Additional Information
- DEALER LICENSES AND CERTIFICATIONS for the Town of Mashpee, MA
- DEALER LICENSES AND CERTIFICATIONS for the Town of Abington, MA
Timeline
Owner and Operator
Tech Squad Auto Sales
11.2017 - 05.2021
Sales and Finance Manager
Clear Auto
12.2016 - 10.2017
Finance Manager
Union Auto NB
11.2013 - 12.2016
Assistant Finance Manager
AsankaCars.com
03.2012 - 12.2013
Owner/ Operator
Mashpee Auto Brokers
01.2004 - 02.2013
High School Diploma -
Falmouth High School
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