Raul Tirado
Stillwater,MN
Summary
Proactive and meticulous Automotive F&I Manager/Trainer with over 23 years of experience in the automotive industry. Proficiencies in F&I training, sales training and employee culture development. Customer-oriented team player with expertise generating optimal satisfaction levels while building profits and client generation.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Finance Director/Manager
Luther Nissan And KIA
10.2022 - Current
- Set clear departmental objectives and developed effective strategies to achieve targeted goals.
- Generated financial and operational reports to assist management with business strategy.
- Introduced software tools and process improvements to mitigate loss and drive operational growth.
- Identified partnership opportunities and established favorable business connections.
- Monitored budget and revenue trends, compiling reports for company leadership to inform decision-making.
- Assisted with recruiting, interviewing and hiring new department employees.
- Processed loan applications and monitored progress from start to finish.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assessed loan portfolios for compliance with underwriting policies.
Automotive Finance Manager
White Bear Lake Mitsubishi
01.2022 - 10.2022
- Processed loan applications and monitored progress from start to finish.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assessed loan portfolios for compliance with underwriting policies.
Account Executive/F&I Trainer
Ally DP&S/RTDA/Brightline Dealer Advisors
06.2015 - 11.2021
- Service existing accounts and provide F&I Sales Training and development within our Dealers finance departments. Prospected assigned territory for new opportunities to grow our market share.
- Develop and maintain competitive knowledge and expertise in areas of products, industry trends, and other developments. Understand and react to the competitive landscape regarding all company policies, procedures, and systems with a customer impact.
- Educate, train and consult with clients on best practices for using our products and services.
- Launch new products and services within the market through interactions with active dealer while leveraging additional value proposition to drive market growth.
- Provide your dealers with world class training & solid market advice.
- Thoroughly document all research and customer interactions with clients CRM's and proprietary software.
- Provide exceptional customer service and responsiveness that inspires customer confidence and loyalty. Created RAVING FANS!
- Continuously engage in self-directed learning opportunities to increase functional product knowledge.
- Networking and building relationships with stakeholders within the industry.
Automotive Finance Manager
Luther Nissan And KIA
09.1999 - 06.2015
- Processed loan applications and monitored progress from start to finish.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assessed loan portfolios for compliance with underwriting policies.
Education
High School Diploma -
University of Minnesota - Twin Cities
Minneapolis, MN09.1997
Skills
- Issue and Conflict Resolution
- Referral Network
- Motivational Leadership
- Employee Training
- Employee Performance Reviews
- Training Initiatives
- Team Leadership
- Compliance Evaluations
- Financial Auditing
- Growth Plans
- Strategic Planning
- Performance Tracking and Evaluations
- Sales and Marketing
Accomplishments
- Expanded and grew the Midwest Territory for BDA into the 2nd largest and most profitable territory for three years in a row.
- Hired, trained and developed over 25 finance managers and over 60 automotive sales consultants during the course of 6 years. The applied training and development in these territories, amassed millions of dollars in annual revenue for my dealer clients and created raving fans for our organization.
- Consistently produced and maintained results that met or exceeded company goals and objectives.
- Obtained several certifications to help dealer partners advance in areas other than sales. Certifications include, SLII, 5 Dysfunctions of a Team and 5 Levels of Leadership.
- Maintained PVR levels at or above company objectives consistently landing a spot in the top 10% of Finance Managers for my respective retail dealer groups.
Certification
- Association of Finance and Insurance Professionals-AFIB Certified Finance Professional
- SL2-Situational Leadership II Certification-Blanchard
Languages
Spanish
Native or Bilingual
Timeline
Finance Director/Manager
Luther Nissan And KIA
10.2022 - Current
Automotive Finance Manager
White Bear Lake Mitsubishi
01.2022 - 10.2022
Account Executive/F&I Trainer
Ally DP&S/RTDA/Brightline Dealer Advisors
06.2015 - 11.2021
Automotive Finance Manager
Luther Nissan And KIA
09.1999 - 06.2015
High School Diploma -
University of Minnesota - Twin Cities
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