Raymon Esparza
Denver,CO
Summary
Dynamic and results-driven professional with over 10 years of experience in the subprime lending industry. Proven ability to lead and manage multi-location operations, drive revenue growth, and ensure compliance with industry regulations. Expertise in team development, financial management, and customer relations, with a track record of improving operational efficiency and profitability across diverse markets. Strong leadership, communication, and strategic planning skills, committed to delivering exceptional results, and fostering a high-performance work environment.
Overview
15
15
years of professional experience
Work History
District Director of Operations
Community Choice Financial Inc. (Check into Cash)
Aurora, CO
10.2021 - 04.2024
- Led and managed the operations of nine centers across Colorado, ensuring that all locations met company goals for revenue, customer satisfaction, and compliance with lending regulations.
- Supervised, trained, and provided performance guidance to 35 employees, including 9 center managers, ensuring alignment with company standards, and fostering a high-performance culture.
- Developed and executed operational strategies to improve efficiency, drive sales, and increase profitability for all centers in the district.
- Conducted regular performance reviews and provided coaching to center managers, focusing on key performance metrics, employee development, and customer service excellence.
- Oversaw the recruitment, onboarding, and training processes for new employees, ensuring staffing levels were optimized to meet business demands.
- Monitored financial performance, including budgets, P&Ls, and key financial metrics, identifying areas for improvement, and implementing corrective actions as needed.
- Conducted monthly compliance audits by reviewing loan, check-cashing accounts, and Western Union transactions to ensure all stores were in compliance with company, state, and federal guidelines.
- Managed the store closing process from start to finish when required, including coordinating with district leadership, securing assets, and ensuring all administrative and operational procedures were properly followed.
Sr. Center Manager
Community Choice Financial Inc. (Check into Cash)
Aurora , CO
12.2016 - 10.2021
- Directed branch operations, ensuring smooth day-to-day functions while maintaining compliance with company policies and regulatory guidelines.
- Guided and motivated branch employees by providing ongoing training, setting performance benchmarks, and fostering a customer-focused work environment.
- Evaluated and processed loan applications, conducting risk assessments, and verifying customer documentation to ensure responsible lending practices.
- Reviewed financial statements and branch performance reports, identifying trends, and implementing strategies to increase revenue and reduce expenses.
- Spearheaded marketing efforts inside and outside the branch, utilizing promotional materials and local outreach to attract new customers, and boost sales.
- Managed past-due accounts by developing effective collection strategies, negotiating repayment terms, and ensuring adherence to fair lending practices.
- Performed routine audits on financial transactions, including loan processing, check cashing, and money transfers, to uphold accuracy and prevent fraud.
- Strengthened customer relationships by delivering personalized financial solutions, addressing concerns, and ensuring a high level of service satisfaction.
- Collaborated with district leadership to assess branch performance, propose operational improvements, and align strategies with company goals.
Residential Property Manager
Mesa Grande Apartments
Carlsbad, NM
06.2016 - 11.2016
- Managed daily operations of a 72-unit apartment complex, ensuring high occupancy rates, tenant satisfaction, and compliance with lease agreements and property regulations.
- Supervised and coordinated a team of two maintenance employees, overseeing work orders, preventive maintenance, and property upkeep to maintain a safe and appealing living environment.
- Handled tenant relations, including leasing, renewals, rent collection, conflict resolution, and enforcing lease terms to foster a positive, well-managed community.
- Developed and implemented marketing strategies to attract new residents, conducted property tours, and maintained high occupancy levels through effective leasing practices.
- Managed the financial aspects of the property, including budgeting, expense control, and reviewing monthly profit and loss (P&L) statements to optimize operational efficiency and profitability.
- Coordinated with vendors and contractors for repairs, renovations, and property improvements, while ensuring cost-effective and timely project completion.
- Conducted regular property inspections, addressing safety hazards, compliance issues, and maintenance needs to uphold property standards, and prevent costly repairs.
- Provided leadership and training to the maintenance team, fostering a collaborative work environment focused on efficiency, customer service, and property excellence.
Retail Branch Manager
Check 'n Go
Carlsbad, NM
08.2014 - 05.2016
- Led and managed branch operations, overseeing daily activities related to short-term installment and title loans, check cashing, and Western Union services, while ensuring compliance with company policies and state regulations.
- Supervised and developed a team of three customer service representatives, providing training, performance coaching, and setting goals to enhance productivity and customer satisfaction.
- Conducted loan underwriting and approval processes, assessing customer eligibility, verifying documentation, and mitigating risks to maintain a high-quality loan portfolio.
- Monitored branch financials, including cash handling, daily reconciliations, and expense control, while reviewing monthly profit and loss (P&L) statements with staff to identify areas of opportunity and implement strategies to improve overall profitability.
- Implemented sales and marketing strategies to drive loan volume, increase revenue, and promote additional financial services to meet or exceed branch targets.
- Managed collections efforts, overseeing past-due accounts, negotiating payment arrangements, and ensuring compliance with fair lending and collection laws.
- Conducted monthly loan audits, including the review of check cashing and Western Union transactions, to ensure accuracy, compliance, and fraud prevention.
- Ensured all staff promoted additional products during every transaction and led external marketing efforts using provided materials to generate new leads and expand the customer base.
- Reported key performance metrics and operational updates to the District Director, analyzing data trends, and providing insights to improve branch efficiency and compliance.
Customer Service Representative
Check 'N Go
Carlsbad, NM
01.2014 - 08.2014
- Provided exceptional customer service by assisting clients with loan applications, conducting loan underwriting, explaining terms, and ensuring compliance with company policies and regulations.
- Processed and approved short-term installment and title loan applications while verifying customer documentation for accuracy and fraud prevention.
- Managed customer accounts, including payment processing, loan renewals, and collections, ensuring timely follow-ups to reduce delinquency rates.
- Handled check-cashing transactions with accuracy and adherence to security protocols to prevent fraudulent activity.
- Processed Western Union money transfers, ensuring compliance with federal and state regulations to prevent financial fraud and money laundering.
- Maintained detailed and accurate records of transactions, loan agreements, and customer interactions to support operational efficiency and audits.
- Educated customers on available financial products and services, helping them make informed decisions based on their needs.
- Assisted in daily cash balancing and end-of-day reconciliations to ensure financial accuracy, and minimize discrepancies.
- Supported team operations by contributing to sales goals, promoting company products, and fostering a customer-focused environment.
Cashier
Mcdonalds
Highlands Ranch, CO
09.2009 - 10.2013
- Process customer transactions efficiently – handle cash, credit, and mobile payments accurately, while providing quick and friendly service.
- Provide excellent customer service: greet guests warmly, take orders accurately, and ensure a positive dining experience.
- Maintain clean and organized workstations – Keep the register area, beverage station, and lobby clean and fully stocked.
- Assist with order accuracy and delivery – verify orders before handing them to customers, and ensure special requests are met.
- Promote upselling and special offers – suggest add-ons, meal upgrades, and promotions to enhance the customer experience.
- Follow safety and hygiene standards – adhere to food safety guidelines, handwashing protocols, and company policies.
- Work as a team player – collaborate with kitchen staff and fellow crew members to maintain efficient restaurant operations.
- Resolve basic customer concerns – address minor complaints and escalate larger issues to management when necessary.
- Assist with stocking and inventory: refill condiments, napkins, and beverage supplies, while notifying managers of low inventory.
Education
High School Diploma -
Highlands Ranch High School
Highlands Ranch, CO05-2013
Skills
- Customer-Centric Leadership
- Team Development and Management
- Compliance management
- Risk assessment
- Conflict resolution
- Organizational development
Languages
English
Professional
Spanish
Professional
Timeline
District Director of Operations
Community Choice Financial Inc. (Check into Cash)
10.2021 - 04.2024
Sr. Center Manager
Community Choice Financial Inc. (Check into Cash)
12.2016 - 10.2021
Residential Property Manager
Mesa Grande Apartments
06.2016 - 11.2016
Retail Branch Manager
Check 'n Go
08.2014 - 05.2016
Customer Service Representative
Check 'N Go
01.2014 - 08.2014
Cashier
Mcdonalds
09.2009 - 10.2013
High School Diploma -
Highlands Ranch High School
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