Rita Chellaoui
West New York,NJ
Summary
Dynamic Finance Manager with a strong track record in financial documentation, credit analysis, and compliance management. Recognized for driving F&I product sales and maintaining regulatory adherence while ensuring exceptional customer experiences in the finance process.
Overview
10
10
years of professional experience
Work History
Finance Manager
Trinity Cadillac
Englewood Cliffs, New Jersey
11.2024 - 02.2026
- Managed all aspects of the Finance & Insurance (F&I) process, from deal structuring to contract finalization
- Presented and sold F&I products including service contracts, GAP insurance, and ancillary protections, consistently meeting or exceeding penetration goals
- Structured retail and lease deals for prime, near-prime, and subprime customers to secure lender approvals
- Maintained relationships with banks, credit unions, and captive lenders to enhance financing options and drive profitability
- Ensured compliance with federal, state, and dealership regulations, including Truth in Lending and privacy laws
- Achieved high customer satisfaction by clearly explaining financing options and ensuring transparency in the buying process
- Reviewed credit applications and analyzed customer financial profiles to determine optimal financing solutions
- Finalized contracts and ensured timely funding by submitting accurate and complete deal documentation
- Collaborated with sales team to enhance deal profitability and increase closing ratios
Finance Manager
Nissan of North Plainfield
North Plainfield, New Jersey
10.2022 - 10.2024
- Delivered compliance-focused F&I presentations, eliminating legal risk while maintaining strong product sales performance
- Managed contract-in-transit (CIT) to ensure timely funding, minimizing aging deals
- Partnered with General Manager and Sales Managers to align dealership financial goals with F&I performance
- Enhanced CSI scores by delivering transparent and efficient finance experiences for customers
- Handled sensitive customer financial data with strict adherence to privacy and security standards
- Reviewed and corrected deal jackets for accuracy prior to lender submission
Manager
690 Park
Cliffside Park, New Jersey
09.2020 - 09.2024
- Oversaw daily restaurant operations, achieving efficient service, high food quality, and strong customer satisfaction
- Managed and trained staff, enhancing team capabilities through effective hiring, scheduling, and performance evaluations
- Maintained high standards of cleanliness, safety, and compliance with health regulations
- Monitored inventory levels, ordered supplies, and controlled food and labor costs
- Resolved customer concerns promptly to maintain a positive dining experience
- Coordinated front-of-house and back-of-house operations, facilitating smooth service flow and improving overall guest experiences
- Implemented company policies and procedures to maintain consistency and efficiency
- Managed cash handling, POS systems, and end-of-day financial reporting
Personal Trainer
Fitness Factory
Edgewater, New Jersey
01.2016 - 08.2018
- Designed and implemented personalized fitness programs based on clients’ goals, fitness levels, and health conditions
- Provided one-on-one and group training sessions focused on strength, cardio, flexibility, and overall wellness
- Demonstrated proper exercise techniques to ensure safety and prevent injuries
- Monitored client progress and adjusted programs, ensuring optimal results and continuous improvement
- Performed fitness assessments, including body composition and performance evaluations, to tailor programs effectively
- Educated clients on nutrition, lifestyle habits, and fitness best practices
- Cultivated strong client relationships, enhancing retention and satisfaction
- Maintained a clean, safe, and organized workout environment
Education
High School Diploma -
Memorial High School
West New York, NJ06-2015
Some College (No Degree) - Exercise Science
New Jersey City University
Jersey City, NJSkills
- Financial management
- Credit analysis
- Loan structuring
- Financing expertise
- Compliance management
- Financial documentation
- Customer relationship management
- Problem solving
Languages
English
Native/ Bilingual
Arabic
Native/ Bilingual
Spanish
Full Professional
French
Professional
Timeline
Finance Manager
Trinity Cadillac
11.2024 - 02.2026
Finance Manager
Nissan of North Plainfield
10.2022 - 10.2024
Manager
690 Park
09.2020 - 09.2024
Personal Trainer
Fitness Factory
01.2016 - 08.2018
High School Diploma -
Memorial High School
Some College (No Degree) - Exercise Science
New Jersey City University