Summary
Overview
Work History
Education
Skills
Interests
Timeline
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Nick Moriconi

Nick Moriconi

Internet Sales Manager
Towson,MD

Summary

Determined Senior Credit Analyst successfully managing portfolios valued at $100,000-$150,000. Collaborative team player known for having excellent time management and customer engagement skills. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Credit position. Ready to help team achieve company goals. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Diligent Senior Credit Analyst totaling 5 years of expertise in gathering and evaluating documentation to conduct risk reviews. A gifted professional mentors associates and provide insight into job tasks. A smart team player knowledgeable in all forms of financial data. High-performing professional with a background in analyzing financial data for both commercial and residential customers. An effective Senior Credit Analyst promoting exceptional talents in creating effective credit presentations and proficiency in Microsoft and Credit. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

11
11
years of professional experience

Work History

Senior Credit Analyst

  • With experience is account management, risk analysis, customer service, collections, supports the underwriting team and actively works to underwrite and approve contracts for booking
  • Nick also has experience with account management, business/relationship management, and sales
  • Nick currently is the primary buyer or Analyst for 13 dealership groups in the DelMarVa area
  • He works to approve, underwrite, and continue the business relationship that is continuously changing
  • Nick actively communicates with the dealerships Sales, Finance Manages, Finance Directors, and General Managers etc
  • To help ensure they are satisfied with their application process
  • On a day-to-day basis, Nick helps to prevent fraud, assess risk on each credit application and help ensure there is a high ROI (return on investment)
  • His workload consists of about 50-70 applications per day with about 20-30 phone calls
  • On weekends, Mondays, holidays, Month-end and high volume days, Nick will work anywhere between 120-150 applications
  • Nick is not afraid to put in the hours; Working from 42-50 hours per works
  • The loan amounts he reviews average between $5000-$100,000 loans and on average $20-$45k loans
  • Nick is also a senior analyst in building and approving Vehicle Credit Lines (VCL)
  • These are lines of credit readily available to the business
  • This allows qualifying business to open new car loans within the Credit Line
  • The average VCL is about $150-$300K with the highest VCL being $1 million dollars for a Non-Profit.

Internet Sales Manager

Jones Toyota
Bel Air, MD
06.2020 - Current
  • Generates and cultivates business relationships
  • Manages Internet sales leads, emails, text messages
  • Assist the Sales Consultants with scheduling, emails, texts, inventory and sales programs
  • Work with customer’s direct via text, phone, email and assist with bringing them to a purchase decision
  • Excellent in following-up with customer’s that is active and interested in purchasing a vehicle
  • Manages all sales leads that come in via text, email, internet, and phone
  • Assist those customers with questions and help bring closure to their purchase decision
  • Extensive knowledge of Toyota vehicles and Toyota Financing/leasing programs and incentives.

Credit Analyst

Toyota Financial Services
Owings Mills, MD
05.2016 - 04.2020
  • Cultivates and preserves strong relationships with dealership personnel
  • Generating data analytics for new vehicles sold and contracts received
  • Analyze business financial and tax returns to create business Vehicle Lines of Credit
  • Analyze and determine approval, conditioning, and rejection of retail and lease offerings within established guidelines
  • Review contract terms and conditions and applications to assess risk and provide cost-effective alternatives
  • Detect and assess financial trends to prevent fraud
  • Advise management of any problems or irregularities pertaining to retail, lease, or wholesale financing, breach of trust, or other violations of Toyota Motor Credit Corporation plans

Collections Customer Service

06.2013 - 05.2016
  • Analyzed customer’s current financial situation to determine their eligibility for extensions/deferrals and due date changes
  • Accountable for accurate and timely handling of all aspects of customer account maintenance and transactions for delinquent customers
  • Actively supported “Drive Customer Back to the Dealership” initiative – sales leads
  • Worked to achieve established metrics in support of team / department performance
  • Reinforced contract terms to customers ensuring each customer is treated fairly and provided equal information, including payment assistance and options
  • Provided excellent service on customer’s accounts by assisting them with their payments and over all account information
  • Wellness Committee: selected individuals who are committed to the health and wellness of others in the center
  • Provided associates with health awareness and promote personal well-being
  • Peer Coach, Served as peer coach to new employees to improve employee performance

Education

Bachelor of Business Administration - Marketing

Mount St. Mary’s University
Emmitsburg, MD

Selected for the Certification team. CPR, AED, and Trauma Certified. Assisting co-workers in emergency situations, medical, and weather. - undefined

Personal Training - Fitness

NASM

Skills

Verbal and written communication

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Interests

Rugby

OCB Bodybuilding

Surfing and snowboarding

Timeline

Internet Sales Manager

Jones Toyota
06.2020 - Current

Credit Analyst

Toyota Financial Services
05.2016 - 04.2020

Collections Customer Service

06.2013 - 05.2016

Senior Credit Analyst

Bachelor of Business Administration - Marketing

Mount St. Mary’s University

Selected for the Certification team. CPR, AED, and Trauma Certified. Assisting co-workers in emergency situations, medical, and weather. - undefined

Personal Training - Fitness

NASM
Nick MoriconiInternet Sales Manager