Financial professional with extensive experience in sales, finance management, lending practices, and customer service. Skilled in strong negotiation skills with a proven ability to establish and maintain productive client and lender relationships. Adept in credit and financial analysis and product planning to support clients in achieving financial goals. Seeking to leverage expertise in a challenging role to drive business growth.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Southwestern Legacy Consultants
Life Insurance Agent
08.2025 - Current
Interview prospective clients to understand goals and insurance needs
Develop tailored life insurance solutions based on client needs assessment
Explain policy options and the benefits of each coverage to clients
Develop and maintain a long-term book of business with clients through regular communication and follow-ups
Toyota of Pharr
Finance Manager (08/2021-02/2025)
05.2012 - 02.2025
Analyzed client OFAC and Credit reports to identify risk and ability to finance
Submitted customer applications to potential lenders to secure financing and negotiated lender terms to maximize profits
Structured financing options based on lender and dealership policies and guidelines
Disclosed financing information and presented full range of dealer available products
Processed loan documentation and addressed missing stipulations
Established and maintained external relationships with lenders and financial institutions.
Maintained understanding of dealer financing procedures and remained knowledgeable of lender programs
Maintained knowledge of federal and state lending regulations and the Fair Credit Reporting Act
Internet Sales Manager (08/2016-08/2021)
Managed online sales leads to ensure all customer inquiries were answered promptly and professionally
Leveraged CRM to prioritize leads and convert online communication into sales opportunities
Negotiated sales prices, structured deals, and presented financing terms
New Car Sales Manager (08/2015-08/2016)
Supervised and directed sales team to achieve sales target
Managed inventory and maintained knowledge of factory incentives
Reviewed sales performance, analyzed sales data, and produced sales reports
Sales Representative (05/2012-08/2015)
Actively engaged with customers to build rapport, answer questions, and identify needs and preferences
Maintained comprehensive knowledge of vehicle specifications
Negotiated sales prices and presented available dealer products
Managed CRM to track sales, provide customer service, and generate repeat business
Executive Team Leader
Target
01.2011 - 05.2012
System Reporting Analyst/Credit Analyst
Inter National Bank
08.2004 - 01.2011
Education
BBA - Computer Information Systems
University of Texas-Pan American
Edinburg, TX
01-2004
Skills
Customer needs assessment and solution development
Credit evaluation and financial assessment
Client Relationship Management and retention
Strategic networking and partnership building
Sales negotiation
Strategic analysis and problem resolution
Certification
Texas Department of Insurance General Lines
Senior Association of Finance and Insurance Professionals (AFIP)
<ul><li>Oversaw all operational functions during the successful amalgamation of two legacy mutual insurers into a single, unified organization. Reported directly to the CEO and played a key leadership role in aligning people, processes, and performance with long-term strategic goals.</li><li>Led the full operational transformation of Salus Mutual, uniting teams and systems from two legacy organizations under a cohesive structure with shared goals and culture.</li><li>Redesigned leadership accountabilities and implemented new KPI and SLA frameworks, enabling stronger performance management and outcome tracking.</li><li>Built internal capacity in key operational areas, reducing reliance on external consultants and establishing a culture of ownership, capability, and continuous improvement.</li><li>Established an Operations function to support Claims, Underwriting, and Sales, delivering enterprise-wide value through data insights, process improvements, project delivery, and enhanced customer service.</li><li>Collaborated closely with the Senior Leadership Team and Board of Directors to co-develop and launch the organization’s first corporate strategy post-amalgamation.</li><li>Held P&L responsibility for $45M in Gross Written Premium, with a strong focus on operational efficiency and strategic growth.</li><li>Delivered key strategic outcomes, including: First-ever member rebate in company history, First employee engagement survey, achieving a 75% engagement score, 3% reduction in expense ratio through operational efficiencies and cost control.</li></ul> at Salus Mutual Insurance Company<ul><li>Oversaw all operational functions during the successful amalgamation of two legacy mutual insurers into a single, unified organization. Reported directly to the CEO and played a key leadership role in aligning people, processes, and performance with long-term strategic goals.</li><li>Led the full operational transformation of Salus Mutual, uniting teams and systems from two legacy organizations under a cohesive structure with shared goals and culture.</li><li>Redesigned leadership accountabilities and implemented new KPI and SLA frameworks, enabling stronger performance management and outcome tracking.</li><li>Built internal capacity in key operational areas, reducing reliance on external consultants and establishing a culture of ownership, capability, and continuous improvement.</li><li>Established an Operations function to support Claims, Underwriting, and Sales, delivering enterprise-wide value through data insights, process improvements, project delivery, and enhanced customer service.</li><li>Collaborated closely with the Senior Leadership Team and Board of Directors to co-develop and launch the organization’s first corporate strategy post-amalgamation.</li><li>Held P&L responsibility for $45M in Gross Written Premium, with a strong focus on operational efficiency and strategic growth.</li><li>Delivered key strategic outcomes, including: First-ever member rebate in company history, First employee engagement survey, achieving a 75% engagement score, 3% reduction in expense ratio through operational efficiencies and cost control.</li></ul> at Salus Mutual Insurance Company
Presales Solutions Architect (Monitoring Solutions Legacy and 5G) at AnritsuPresales Solutions Architect (Monitoring Solutions Legacy and 5G) at Anritsu