Rob Garza
Fort Worth,TX
Summary
Personable candidate committed to helping clients meet financial goals. Extensive experience developing and implementing strategies tailored to clients' individual needs and objectives. Seeking a dynamic leadership role that will fully utilize past skills, provide leadership and team building that leverages experience while seeking a versatile and challenging career opportunity which would allow growth and continuous development in career.
Overview
30
30
years of professional experience
Work History
Financial Advisor
Tresl
10.2020 - Current
- Performed refinance auto loans, lease buyouts purchases, company car purchases and auto purchases
- Exceeded first full month with $40,546 in total gross revenue with 27 product count
- Accomplished over $35,000 in gross revenue each month and over 25 products each month
- Product penetration of +129% in 2022, #2 of all FA's
- Achieved cost per deal of $1816 Top 10 of all FA's
- Maintained 26% purchase conversion rate
- Top product penetration on Team in 2021 with 121%
- Achieved top 20% of all FA's in 2021 and top 10% in 2022
- Top FA for total number of stand alone products year to date
- 2 FA in Nov/Dec 2022 for most product penetration 146%.
Account Director
Vehicle Solution Finance
07.2019 - 10.2020
- Established new dealer base in Texas, total of 24 dealers
- Reviewed and decision applications, followed up on conditional calls and approvals
- Captured average rate 82%, average funding deals 108
- Provided training to dealers on funding packages, avg 3 days in funding
- Managed and collected first payment defaults
- Managed mechanic facility for mechanical and body work, produced 40 units monthly to front line ready
- Implementation of portal for wholesale vehicles for dealers to bid on 24 hr auction
Regional Sales Director
Innovate Auto Finance
05.2016 - 07.2019
- Managed existing and established new seller base for auto loan portfolios
- Created new seller/finance lead platform for potential leads
- Identified leads and increased new seller business by 10% year over year
- Increased return percentage (IRR) year over year
- Provided training to sellers during funding/transition process
- Attended National and State level conferences in auto finance industry
- Managed and collected first/second payment defaults from sellers
- Negotiated pricing with sellers and maintained 70%+ capture rate year over year.
Division Manager/Area Manager
United Auto Credit
11.2010 - 05.2016
- Identified franchise and independent dealers that fit program/inventory in DFW Area
- Established new dealer base, total of 88 dealers
- Collected first payment defaults, 2014 had zero charge offs
- Monitored and collected outstanding titles
- Provided training to dealers on funding packages, maintained 3.2 avg days in funding
- Avg funded deals per month 76, with avg 82% producing dealers and 48% funding dealers
- Provided training and developed new area managers
- Developed and implemented training strategies
- Division Manager - AZ, KS, MO, OK, TX
- In the Top 3 Division Managers
- Trained and Supported Area Managers on team
- Involved in Training new hired Area Managers
Branch Manager/Dealer Representative
American General Auto Finance
09.2005 - 11.2010
- Managed $14 million auto sales finance portfolio
- Identified and maintained delinquencies
- Monitored and evaluated losses
- Evaluated and made decisions on repossessions and charge offs accounts
- Responsible for all loan decisions and funding in Dallas/Ft Worth area
- Trained and developed staff on all aspects of underwriting/collections/marketing/policies and procedures
- Developed and implemented strategies for new business and existing business
- Responsible for maintaining a full staff and promoted 2 employees to Branch Manager positions
- Oversaw and executed monthly/yearly budget and forecasted monthly/yearly goals.
Dealer Account Manager
Westlake Financial Services
07.2001 - 06.2005
- Managed Las Vegas & Reno Market
- Implemented new business relationships, signed 30 dealers in one day
- Collaborated daily with automobile Independent & Franchise dealers on program
- Produce sales finance contracts in both markets with 84% funding dealers
- Analyzed deals for funding to a conclusion, collected buy backs and followed up on title/liens
- Awarded 'Fiscal Year 2001 Fastest Dealer Account Manager to reach 100 Deals'
- Inducted into the Century Club, 100+ funded contracts
Branch Regional Manager
Mercury Finance Company
03.1998 - 06.2001
- Managed $70 Million auto sales finance portfolio
- Supervised, lead, and successfully trained department managers
- Communicated to Vice President on all aspects of the operation
- Conducted performance appraisals
- Allocated ideas and strategies to marketing department
- Systemized an effective and efficient collections department
- Monitored profit & loss analysis
- Managed collection teams for Colorado, Utah, Nevada, Oregon, and Arizona
- Compiled reports for forecasting and performance on portfolio for each area
- Handled human resources related issues.
Branch Manager
Reliance Acceptance Corporation
11.1994 - 03.1998
- Managed $20 Million in outstanding accounts
- Communicated to Regional Manager on all aspects of the branch
- Monitored and maintain delinquencies
- Processed leads and identified market penetration
- Monitored repossessions, bankruptcies and insurance force placement
- Trained, oversaw daily operations and managed staff
- Systemized a plan to develop new business
- Retained quarterly budget.
Education
High School Diploma -
Richard King
Corpus Christi, TX05.1989
Some College (No Degree) - Business Management
Del Mar College
Corpus Christi, TXSkills
- 25 years in Auto Finance Industry
- Business Management
- Consumer Auto Lending
- Auto Loan Portfolios
- Closing Sales
- Collections
- Customer Relations
- Recruitment
- Marketing
- Funding
- Profit and Loss Analysis
- Management
Timeline
Financial Advisor
Tresl
10.2020 - Current
Account Director
Vehicle Solution Finance
07.2019 - 10.2020
Regional Sales Director
Innovate Auto Finance
05.2016 - 07.2019
Division Manager/Area Manager
United Auto Credit
11.2010 - 05.2016
Branch Manager/Dealer Representative
American General Auto Finance
09.2005 - 11.2010
Dealer Account Manager
Westlake Financial Services
07.2001 - 06.2005
Branch Regional Manager
Mercury Finance Company
03.1998 - 06.2001
Branch Manager
Reliance Acceptance Corporation
11.1994 - 03.1998
High School Diploma -
Richard King
Some College (No Degree) - Business Management
Del Mar College
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