Susan Chow
Automotive Finance Manager
Stone Mountain,GA
Summary
Accomplished Finance Manager with a proven track record in the Automotive Industry, showcasing expertise in financial product knowledge and strong negotiation skills. Excelled in enhancing dealership revenue by over 30% through strategic financing solutions and exceptional customer service. Renowned for analytical thinking and attention to detail, consistently securing optimal financing deals and fostering significant client relationships.
Overview
39
39
years of professional experience
Work History
Finance Manager
Landmark Automotive Athens
12.2020 - 05.2024
- Reviewed documentation and identified financial discrepancies where applicable.
- Streamlined month-end close process, reducing time spent on manual tasks and improving data accuracy.
- Ensured compliance with local, state, federal tax regulations; timely filing of all required documents, mitigating potential penalties or fines.
- Prepared monthly reconciliation of bank accounts and took corrective actions on deviations.
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Ensured compliance with federal regulations and company policies regarding automotive financing transactions.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate vehicle purchases.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
- Demonstrated expertise in various financial products, creating tailored presentations for customers, showcasing the benefits of specific financing plans based on their unique needs.
- Streamlined loan approval processes for enhanced customer experience and faster turnaround times.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Monitored pipelines to track and log status of loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Assisted customers with completing loan applications and other paperwork.
- Explained very technical financial information to applicants in easy to understand language.
- Negotiated loan terms and conditions with customers to secure best deal.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Developed and maintained relationships with customers, lenders and other third parties.
Automotive Finance Manager
ASMI
11.2020 - 12.2020
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Ensured compliance with federal regulations and company policies regarding automotive financing transactions.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate vehicle purchases.
- Maximized profitability by negotiating and structuring optimal automotive financing deals.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
Automotive Finance Manager
Troncalli Motors
05.2012 - 10.2020
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Ensured compliance with federal regulations and company policies regarding automotive financing transactions.
- Collaborated with sales managers to develop effective strategies for overcoming financial obstacles during vehicle negotiations.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate vehicle purchases.
- Maximized profitability by negotiating and structuring optimal automotive financing deals.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
- Demonstrated expertise in various financial products, creating tailored presentations for customers, showcasing the benefits of specific financing plans based on their unique needs.
- Streamlined loan approval processes for enhanced customer experience and faster turnaround times.
- Conducted regular reviews of customer credit applications to maintain accuracy and integrity in the approval process.
- Consistently achieved monthly performance targets through strategic planning and execution of innovative financing solutions.
- Provided exceptional customer service by addressing inquiries promptly, resolving issues efficiently, and maintaining open communication throughout the financing process.
- Maintained an organized workflow by prioritizing tasks effectively managing multiple client files simultaneously ensuring timely processing of all transactions.
- Improved overall department efficiency by implementing streamlined procedures simplifying documentation requirements reducing unnecessary delays.
- Fostered a positive work environment by promoting open communication and setting clear expectations for team performance, resulting in increased employee satisfaction and retention rates.
- Processed loan applications and monitored progress from start to finish.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Automotive Finance Manager
Asbury Automotive Group
05.2007 - 04.2015
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Ensured compliance with federal regulations and company policies regarding automotive financing transactions.
- Collaborated with sales managers to develop effective strategies for overcoming financial obstacles during vehicle negotiations.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate vehicle purchases.
- Maximized profitability by negotiating and structuring optimal automotive financing deals.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
- Demonstrated expertise in various financial products, creating tailored presentations for customers, showcasing the benefits of specific financing plans based on their unique needs.
- Streamlined loan approval processes for enhanced customer experience and faster turnaround times.
- Collaborated closely with Sales department conducting joint training sessions sharing information about available financing options boosting overall sales figures.
- Consistently achieved monthly performance targets through strategic planning and execution of innovative financing solutions.
- Provided exceptional customer service by addressing inquiries promptly, resolving issues efficiently, and maintaining open communication throughout the financing process.
- Maintained an organized workflow by prioritizing tasks effectively managing multiple client files simultaneously ensuring timely processing of all transactions.
- Improved overall department efficiency by implementing streamlined procedures simplifying documentation requirements reducing unnecessary delays.
- Fostered a positive work environment by promoting open communication and setting clear expectations for team performance, resulting in increased employee satisfaction and retention rates.
- Processed loan applications and monitored progress from start to finish.
- Developed and maintained relationships with customers, lenders and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
- Explained very technical financial information to applicants in easy to understand language.
- Assisted customers with completing loan applications and other paperwork.
Automotive Finance Manager
Troncalli Motors
06.1998 - 04.2007
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Ensured compliance with federal regulations and company policies regarding automotive financing transactions.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate vehicle purchases.
- Maximized profitability by negotiating and structuring optimal automotive financing deals.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
- Enhanced dealership sales by providing comprehensive financial solutions to clients seeking vehicle purchase or lease agreements.
- Fostered a positive work environment by promoting open communication and setting clear expectations for team performance, resulting in increased employee satisfaction and retention rates.
- Helped college students obtain financial aid through loan programs.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted customers with completing loan applications and other paperwork.
- Explained very technical financial information to applicants in easy to understand language.
- Negotiated loan terms and conditions with customers to secure best deal.
- Developed and maintained relationships with customers, lenders and other third parties.
Shift Supervisor
Nova Financial
03.1997 - 04.1998
- Trained new employees and delegated daily tasks and responsibilities.
- Enforced company policies and regulations with employees.
- Provided ongoing support to employees during challenging situations, offering guidance on problem-solving techniques for improved efficiency outcomes.
- Maintained clean and well-organized production areas to avoid violations or unnecessary work delays due to hazards or inefficient layouts.
Check Processor
GE Capital
07.1996 - 03.1997
- Maintained strict confidentiality while handling sensitive financial information, protecting customer privacy and preventing fraud.
- Enhanced team productivity by sharing best practices and contributing to ongoing process improvement initiatives.
- Reduced errors in check processing by consistently verifying customer information and cross-checking against bank records.
- Ensured accuracy in data entry, resulting in fewer discrepancies and quicker resolution of issues.
- Developed a keen attention to detail, allowing for quick identification of discrepancies and ensuring accurate check processing.
- Developed effective working relationships with other departments to facilitate smooth communication during interdepartmental requests and inquiries.
Check Processor
First Data
01.1995 - 07.1996
- Processed customer transactions promptly, minimizing wait times.
- Contributed to a positive work environment, fostering collaboration among team members to achieve shared goals.
- Assisted with staff training on new software applications, improving overall department proficiency and efficiency.
- Managed high volumes of daily transactions, ensuring timely completion and minimizing delays for customers.
- Maintained open lines of communication with supervisors regarding workload management, ensuring timely escalation of any potential issues or delays impacting operations.
- Maintained strict confidentiality while handling sensitive financial information, protecting customer privacy and preventing fraud.
- Enhanced team productivity by sharing best practices and contributing to ongoing process improvement initiatives.
Check Processor
ABN AMRO Bank
11.1985 - 12.1994
- Maintained strict confidentiality while handling sensitive financial information, protecting customer privacy and preventing fraud.
- Enhanced team productivity by sharing best practices and contributing to ongoing process improvement initiatives.
- Reduced errors in check processing by consistently verifying customer information and cross-checking against bank records.
- Ensured accuracy in data entry, resulting in fewer discrepancies and quicker resolution of issues.
- Developed a keen attention to detail, allowing for quick identification of discrepancies and ensuring accurate check processing.
- Developed effective working relationships with other departments to facilitate smooth communication during interdepartmental requests and inquiries.
- Met established deposit processing productivity standards.
- Achieved faster turnaround times for check clearing by prioritizing high-value transactions and utilizing automated systems.
- Adhered to all regulatory guidelines and internal policies during check processing operations, maintaining compliance at all times.
- Performed deposit processing functions and reconciled out-of-balance conditions.
- Contributed to departmental goals by consistently meeting or exceeding individual performance metrics related to accuracy, efficiency, and overall productivity in check processing operations.
- Identified counterfeits, suspicious activity or potential red flag transactions and immediately reported to supervisor.
- Managed high volumes of daily transactions, ensuring timely completion and minimizing delays for customers.
- Contributed to a positive work environment, fostering collaboration among team members to achieve shared goals.
Education
High School Diploma -
Robert Lindblom Technical High School
Chicago, IL06.1983
Skills
- Strong negotiation skills
- Financial product knowledge
- Credit assessment abilities
- Contract Preparation
- Decision Making Aptitude
- Automotive Industry Knowledge
- Customer service-focused
- Analytical and Critical Thinking
- Customer Service
- Attention to Detail
Timeline
Finance Manager
Landmark Automotive Athens
12.2020 - 05.2024
Automotive Finance Manager
ASMI
11.2020 - 12.2020
Automotive Finance Manager
Troncalli Motors
05.2012 - 10.2020
Automotive Finance Manager
Asbury Automotive Group
05.2007 - 04.2015
Automotive Finance Manager
Troncalli Motors
06.1998 - 04.2007
Shift Supervisor
Nova Financial
03.1997 - 04.1998
Check Processor
GE Capital
07.1996 - 03.1997
Check Processor
First Data
01.1995 - 07.1996
Check Processor
ABN AMRO Bank
11.1985 - 12.1994
High School Diploma -
Robert Lindblom Technical High School
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