ROBERT JOHNSON

Manager of 2 different apartment complexes in different towns. Responsible for guiding new applicants through the application process; collecting rents and coordinating contractors. Have turned tenant morale completely around from previous management or lack thereof. Responsible for dealing with 3 years of past due rent. I have returned both properties to profitability. Collecting rent and depositing into company accounts.

Credit analysis, financial analysis, underwriting, loan submittal to appropriate lender and selling of products (i.e. Gap, Extended Service Contracts and other products)

Gathered and documented client financial information and application details meeting lending requirements and accurately representing client status.

Auto loans for people in Ch 7 or Ch 13 bankruptcy. Credit analysis, financial analysis, underwriting auto loans to submit deals to proper lender, loan paperwork. Negotiating

terms with lenders and customers. Selling of aftermarket products

Developed new business by understanding customer needs and selling products and services that offered value. Demonstrated and maintained expert knowledge and understanding of print products, digital products and digital marketing services. Built and expanded a book of business and consistently hit or exceeded monthly revenue goals

Credit analysis, underwriting, approval authority on auto loans, personal loans and credit cards. Indirect and Direct sub-prime and prime auto lending. Consistently top 10 in company in funded auto loans. Negotiated contract terms and rates with franchise and independent dealerships. Business Development with independent and franchise dealerships.

Credit analysis, analyzing financial statements, underwriting, approval authority. Indirect and Direct prime/sub-prime auto lending, mortgages, personal loans, retail financing, commercial financing. Negotiating with customers and dealerships regarding interest rates and selling prices of vehicles. Business Development with independent and franchise dealerships and also among retail financing businesses.