ROBERT JOHNSON

Negotiated rates and terms with customers for backend products including GAP, VSC, and Maintenance. Executed contracts with customers and submitted completed agreements to multiple lenders. Collaborated with dealership owner and various lenders to expand lending network.

Managed branch's operational aspects such as loans, underwriting, approvals, and customer service. Reviewed loan applications to ensure accuracy and compliance with regulations. Monitored financial performance of the branch on a monthly basis. Resolved escalated customer complaints in a timely manner.

Oversaw the bankruptcy department and assisted customers in navigating the complete auto-buying experience. Negotiated rate and terms with lenders and customers. Compiled stips and dispatched deals to multiple lenders using respective portals or via FEDEX or UPS. Sold backend.

Demonstrated and maintained expert knowledge of print products, digital products and digital marketing services; Developed new business by understanding customer needs and selling products and services that offered value; Created sales presentations to promote benefits of advertising for clients

Cultivated relationships with key decision makers through regular phone calls and follow-up calls; Identified potential new customers through research of industry trends and competitive analysis; Researched market conditions in local, regional, or national areas to determine potential sales of a product or service; Managed accounts by providing ongoing support after the sale was completed

Analyzed credit, underwrote, and approved auto loans, personal loans, credit cards, and mortgages. Top 10 in auto loan production. Business Development Representative. Sold credit insurance products above industry standards.

Credit analysis, analyzing financial statements, underwriting, approval authority; Indirect and Direct prime/sub-prime auto lending, mortgages, personal loans, retail financing, commercial financing; Business Development with franchise and independent dealerships; Negotiated rates and terms with dealerships; Consistently met and surpassed monthly goals