Ray "Wayne" Hirtreiter
Mobile
Summary
Experienced Finance Manager with more than 30 years in business management, retail sales, and customer service. Recognized for enhancing operational efficiency and customer satisfaction through effective coaching and training. Expertise in credit analysis and deal structuring, driving significant business growth while fostering strong lender relationships.
Overview
34
34
years of professional experience
Work History
Finance Manager
Hooney's Auto Sales, Inc
01.2004 - Current
- Created organizational structures to improve accounting and finance functions.
- Trained new and existing staff members in various financial procedures to prepare for job requirements.
- Executed vendor setup and payment, administration of bank accounts and account reconciliations.
- Reviewed documentation and identified financial discrepancies where applicable.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Monitored pipelines to track and log status of loans.
- Processed loan applications and monitored progress from start to finish.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Proactively identified solutions for customers experiencing credit issues.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assessed loan portfolios for compliance with underwriting policies.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Negotiated loan terms and conditions with customers to secure best deal.
- Explained very technical financial information to applicants in easy to understand language.
- Assisted customers with completing loan applications and other paperwork.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Compiled closing packages for drafting and presentation accuracy.
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Researched and updated industry knowledge on changing legislation and regulations.
- Cultivated interpersonal skills by building positive relationships with others.
- Cross-trained existing employees to maximize team agility and performance.
- Maintained professional, organized, and safe environment for employees and patrons.
- Improved marketing to attract new customers and promote business.
- Trained personnel in equipment maintenance and enforced participation in exercises focused on developing key skills.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Built relationships with customers and community to establish long-term business growth.
Loan Originator
Conseco
01.2001 - 12.2003
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Advised clients on mortgage, education and personal loans.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Maintained strict confidentiality of bank records and client information.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Developed strong relationships with customers through high levels of customer service.
- Examined customer loan applications for loan approvals and denials.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
General Manager
Fairfax Medical Equipment, Inc.
01.1993 - 01.1996
- Managed budget implementations, employee evaluations, and contract details.
- Implemented operational strategies and effectively built customer and employee loyalty.
- Managed budget implementations, employee reviews, training, schedules, and contract negotiations.
- Drove year-over-year business growth while leading operations, strategic vision, and long-range planning.
- Trained and guided team members to maintain high productivity and performance metrics.
- Assisted in recruiting, hiring and training of team members.
- Implemented business strategies, increasing revenue, and effectively targeting new markets.
- Interacted well with customers to build connections and nurture relationships.
- Tracked trends and suggested enhancements to both challenge and refine company's product offerings.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Negotiated price and service with customers and vendors to decrease expenses and increase profit.
Assistant Manager
Multi Vision Cable
01.1991 - 01.1993
- Liaised between senior management and front-line team members to implement effective changes and revitalize market growth.
- Networked in market to build partnerships and connections with prospects.
- Coached sales team members in effective selling strategies and closing techniques.
- Achieved monthly sales targets consistently by pursuing new business.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Led team of marketing professionals, offering mentoring and coaching to build knowledge and skills.
- Traveled to customer sites to demonstrate products, answer questions and close contracts.
Education
Faulkner State College
Bay Minette, ALSkills
- Financial management
- Internal controls
- Insurance products
- Skilled in Frazier and Adam software
- Financial audits
- Financing expertise
- Electronic contracting
- Verbal and written communication
- Lending practices
- Continuous improvement
- Sales process development
- Deal structuring
- Lender relationships
- Credit analysis
- Financial budgeting
- Portfolio management
- Coaching and training
- Mentoring and training
- Performance reviews
- Customer satisfaction
- Staff training
- Financial revenue
- Debt management
- Strategic planning
Military 1989-1991
United States Army Fort Jackson, SC
Timeline
Finance Manager
Hooney's Auto Sales, Inc
01.2004 - Current
Loan Originator
Conseco
01.2001 - 12.2003
General Manager
Fairfax Medical Equipment, Inc.
01.1993 - 01.1996
Assistant Manager
Multi Vision Cable
01.1991 - 01.1993
Faulkner State College
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