Rafael Class II
Lovington,NM
Summary
Versatile Senior Manager specializing in strategic methods and skilled at planning, implementing and overseeing key improvements to drive business growth and efficiency. History of cultivating an open culture with free exchange of information. Pursuing new professional challenges with a growth-oriented company.
Overview
8
8
years of professional experience
1
1
Certificate
Work History
Senior Credit Risk Analyst
JP Stone Community Bank
Hobbs, NM
09.2021 - 06.2022
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Performed credit reviews on corporations to assess financial conditions.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
Adjunct Professor
Morris Brown College
Atlanta, GA
11.2020 - 06.2022
- Built relationships with students, mentoring on personal, professional and academic goals while providing coaching on effective study habits.
- Graded quizzes, tests, homework and projects to provide students with timely academic progress information and feedback.
- Evaluated and revised lesson plans and course content to achieve student-centered learning.
General Manager
McAlister's Deli
Hobbs, NM
03.2019 - 12.2021
- Developed and maintained relationships with customers and suppliers through account development.
- Maximized efficiency by coaching and mentoring personnel on management principles, industry practices, company procedures and technology systems.
- Implemented operational strategies and effectively built customer and employee loyalty.
- Organized budgets, oversaw P&Ls and achieved margin targets consistently to stay on track with growth plans.
- Reduced costs, managed delivery schedules and performed risk analysis to improve overall profitability.
- Drove year-over-year business growth while leading operations, strategic vision and long-range planning.
Financial Manager
Four Kings Auto Group
Charlotte, NC
03.2018 - 03.2021
- Evaluated automobile purchase and contract information and prepared the necessary documents to complete the transaction, ensuring it was compliant on local and federal levels
- Developed and maintained relationships with local and regional lenders
- Implemented a Sales and Finance training program that the sales staff used to increase their closing ratio and raise and support their front and back end profit
- Led financial planning and analysis by managing key metrics, analyzing data and providing support and insight for strategic planning.
Education
J.D. - Law
Trinity Law School
Santa Ana, CA05.2025
MBA - Strategic Intelligence
University of The Southwest
Hobbs, NM05.2021
Bachelor of Science - Organizational Management
Nyack College
New York, NY12.2018
Skills
- Customer Satisfaction
- Community Reinvestment Act
- Customer Support
- Presentations and Recommendations
- Financial Documentation
- Judgmental Lending
- Customer Accounts Management
- Operations Management
- Strategic Risk Management
- Lean Six Sigma
- Motivational Techniques
- Legal Knowledge
Certification
- Certified F&I Manager
- CPR Certification
- Food Handler Certification
- SafeServe Mangers Certification
Languages
Spanish
Native or Bilingual
Portuguese
Native or Bilingual
Timeline
Senior Credit Risk Analyst
JP Stone Community Bank
09.2021 - 06.2022
Adjunct Professor
Morris Brown College
11.2020 - 06.2022
General Manager
McAlister's Deli
03.2019 - 12.2021
Financial Manager
Four Kings Auto Group
03.2018 - 03.2021
J.D. - Law
Trinity Law School
MBA - Strategic Intelligence
University of The Southwest
Bachelor of Science - Organizational Management
Nyack College
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