Raul Tirado
Menomonie,WI
Summary
With over 26 years of experience in the automotive industry, I bring a wealth of expertise in providing financial solutions and guidance to both customers and dealers. My background in business development, sales, marketing, personal training, and development has equipped me with a strong foundation to excel in this field. Leveraging skills in customer relationship management (CRM), optimizing the customer journey and enhancing loyalty by utilizing various tools and platforms to track, analyze, and communicate effectively. Adept at developing and implementing strategies, processes, and systems that drive sales, profitability, and customer retention while ensuring compliance and maintaining high quality standards. Passionate about delivering excellent service and value to both customers and the organization, always eager to learn and grow within the field.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Business Manager
Inver Grove Honda/Mcrob Automotive Group
09.2023 - 02.2025
- Focused on a customer's needs, first. Primary goals was to increase store volume, profitability, and elevate overall personal success
- Monitored and assisted with the implementation of company legal compliance measures and initiatives
- Submitted deal structures to appropriate lenders in timely fashion
- Handled lender's structure and rate objections in the highest professional and respectful manner
- Ensured that all federal/state and dealer paperwork is accurate and completed within compliance standards
- Consistently and successfully promoted and sold finance products in a high-volume environment to customers at record numbers
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Communicated with financial institutions and processed applications to obtain the most competitive banking structures
- Developed relationships with customers, lenders and other third parties.
- Proactively identified solutions for customers experiencing credit issues.
Finance Director/Business Manager
Luther Nissan And KIA
10.2022 - 08.2023
- 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. Maintaining above industry average sales and penetration of products.
- 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.
- 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.
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.
- 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.
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.
- 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.
Education
High School Diploma -
University of Minnesota - Twin Cities
Minnesota09.1997
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
- Customer relationship management
- Customer retention
- Lead generation
- CRM software
- Negotiation
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.
Languages
Spanish
Native or Bilingual
Certification
- Association of Finance and Insurance Professionals-AFIB Certified Finance Professional
- SL2-Situational Leadership II Certification-Blanchard
Timeline
Business Manager
Inver Grove Honda/Mcrob Automotive Group
09.2023 - 02.2025
Finance Director/Business Manager
Luther Nissan And KIA
10.2022 - 08.2023
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
- Association of Finance and Insurance Professionals-AFIB Certified Finance Professional
- SL2-Situational Leadership II Certification-Blanchard
High School Diploma -
University of Minnesota - Twin Cities
Similar Profiles
Anna MainAnna Main
English Learner Paraprofessional at Inver Grove Heights Community SchoolsEnglish Learner Paraprofessional at Inver Grove Heights Community Schools
Timothy PurvisTimothy Purvis
Automotive-sales-consultant at Inver Grove FordAutomotive-sales-consultant at Inver Grove Ford
Jonathan MullanJonathan Mullan
VW Master Certified Consultant at VW Inver GroveVW Master Certified Consultant at VW Inver Grove