Siamak Allen Zeighami
San Diego,California
Summary
Experienced Finance and Lending Professional with over 20 years of expertise in automotive finance, mortgage lending, credit analysis, and financial services. Proven track record as Director of Finance & Sales, managing dealership finance operations, structuring retail and lease transactions, securing lender approvals, and leading high-performing sales teams. Licensed California Mortgage Loan Originator and Insurance Agent with extensive experience in residential lending, loan origination, credit evaluation, and client relationship management. Strong background in financial analysis, underwriting, compliance, and customer service.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
MISSION SAN JOSE MORTGAGE
San Diego, California
06.2022 - Current
- Originate Conventional, FHA, VA, Jumbo, and Non-QM mortgage loans Analyze borrower income, assets, liabilities, and credit profiles.
- Evaluate creditworthiness and eligibility for obtaining a mortgage loan
- Interview clients
- Guide clients through mortgage loan options
- Prepare and submit mortgage loan applications
- Ensure data are in line with national and local financial rules
- Monitor and report on application processes
- Inform clients about loan approval or rejection
- Help resolve problems with applications
- Research new mortgage loan policies
- Ensure compliance with privacy laws and confidentiality policies throughout the process
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Developed loan contracts and explained contract terms to clients.
Assistant Bookkeeper
CLN Bookkeeping Services
San Diego
10.2024 - 09.2025
- Manage financial records using QuickBooks.
- Process accounts payable and accounts receivable transactions.
- Reconcile bank and credit card statements.
- Maintain accurate financial records and reports.
- Assist with monthly financial reporting and bookkeeping functions.
Finance Manager
XCLUSIVE MOTORS
SAN DIEGO, CA
01.2012 - 02.2022
- Directed all dealership Finance & Insurance (F&I) operations for new and pre-owned vehicle sales.
- Structured and secured financing for retail, lease, and special-finance customers through banks, credit unions, and captive lenders.
- Reviewed customer credit profiles and matched borrowers with appropriate financing programs.
- Negotiated loan terms, interest rates, and lender approvals to maximize customer satisfaction and dealership profitability.
- Maintained strong relationships with lending institutions, finance companies, and insurance providers.
- Managed and trained sales consultants, finance managers, and support staff to achieve performance goals.
- Consistently exceeded dealership profitability objectives through finance reserve, warranty, GAP, and ancillary product sales.
- Analyzed financial reports, budgets, and operational performance to improve profitability and efficiency.
- Developed and implemented sales and finance strategies that increased revenue and customer retention.
- Worked closely with accounting, lenders, title agencies, and DMV representatives to ensure timely funding and contract completion.
- Oversaw contract processing, funding, and documentation accuracy while maintaining strict compliance standards.
- Successfully managed high-volume finance operations while maintaining strong profitability and customer satisfaction.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Director of Finance & Sales
Xclusive Motors Inc.
San Diego, CA
10.2005 - 11.2021
- Directed all dealership Finance & Insurance (F&I) operations for new and pre-owned vehicle sales.
- Structured and secured financing for retail, lease, and special-finance customers through banks, credit unions, and captive lenders.
- Reviewed customer credit profiles and matched borrowers with appropriate financing programs.
- Negotiated loan terms, interest rates, and lender approvals to maximize customer satisfaction and dealership profitability.
- Maintained strong relationships with lending institutions, finance companies, and insurance providers.
- Managed and trained sales consultants, finance managers, and support staff to achieve performance goals.
- Consistently exceeded dealership profitability objectives through finance reserve, warranty, GAP, and ancillary product sales.
- Analyzed financial reports, budgets, and operational performance to improve profitability and efficiency.
- Developed and implemented sales and finance strategies that increased revenue and customer retention.
- Worked closely with accounting, lenders, title agencies, and DMV representatives to ensure timely funding and contract completion.
- Oversaw contract processing, funding, and documentation accuracy while maintaining strict compliance standards.
- Successfully managed high-volume finance operations while maintaining strong profitability and customer satisfaction.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Education
Associate of Science - Accounting And Finance
07.1988
Master of Science - Civil Engineering
08.1986
Skills
- Mortgage Loan Origination
- Automotive Finance & Lending
- Credit Analysis & Risk Assessment
- Loan Processing & Underwriting
- Financial Statement Analysis
- QuickBooks Accounting
- Deal Structuring & Funding
- Financial Planning & Budgeting
- Team Leadership & Training
- Sales Management
- Customer Relationship Management
- Regulatory Compliance
- Negotiation & Problem Resolution
Certification
- QuickBooks Certificate - Bookkeeping, Intuit Academy
- California Mortgage Loan Originator License, NMLS #2148590
- California Property & Casualty Insurance License, #4215076
- California Life & Accident Insurance License, #4215076
Timeline
Assistant Bookkeeper - CLN Bookkeeping Services
10.2024 - 09.2025
Mortgage Loan Officer - MISSION SAN JOSE MORTGAGE
06.2022 - Current
Finance Manager - XCLUSIVE MOTORS
01.2012 - 02.2022
Director of Finance & Sales - Xclusive Motors Inc.
10.2005 - 11.2021
Portland Community College - Associate of Science, Accounting And Finance
University of Portland - Master of Science, Civil Engineering