Thomas Mills

• Analyzed market trends to identify growth opportunities within the territory.

Managed comprehensive auto finance territory, fostering relationships with automotive dealerships to drive loan application growth and improve contract acquisition rates.

• Territory Expansion & Revenue Growth: Orchestrated a rigorous B2B field sales strategy, conducting 5 to 10 high-impact dealer visits daily to sign new partnerships and expand UACC’s active regional footprint.
• Consultative F&I Partnering: Delivered tailored consulting to dealership Finance & Insurance (F&I) Managers, effectively structuring and restructuring complex subprime deals to optimize dealer profitability and maximize contract capture rates.
• Deal Pipeline Optimization: Partnered dynamically with internal credit analysts and funding teams to streamline the underwriting lifecycle, resulting in rapid loan approvals and accelerated time-to-funding for dealership clients.
• Compliance & Risk Management: Collaborated seamlessly with the corporate dealer compliance team to proactively mitigate portfolio risk, resolve dealer friction points, and maintain strict adherence to lending regulations.
• Strategic Market Management: Formulated data-driven territory coverage plans from a home office environment, maintaining total flexibility to support high-volume Saturday operations and critical dealership peak hours.

CORE COMPETENCIES

• Territory Management & B2B Sales
• Auto Finance & Underwriting Dynamics
• F&I Relationship Management
• Deal Structuring & Restructuring
• Pipeline Speed & Funding Optimization
• Risk Mitigation & Regulatory Compliance
• CRM & Data-Driven Market Analysis

• Orchestrated complex, multi-vendor solution architectures (hardware, SaaS, and professional services) for mid-market and enterprise clients, averaging an executive deal size of $350,000.
• Cultivated OEM co-sell networks with partners including Cisco, Dell, and AWS; leveraged strategic deal registration incentives to enhance product margins by 18%.
• Collaborated with Pre-Sales Engineers and Distribution Account Managers (DAMs) to develop technical Bills of Materials (BOMs) that reduced deployment errors.
• Advised C-suite executives (CIOs, CTOs, VPs of Infrastructure) on total cost of ownership (TCO) reductions, framing technology investments as essential business accelerators.
• Achieved significant growth in corporate account acquisition through effective discovery-driven closing methodologies in complex B2B sales pipelines. Executed advanced Salesforce CRM strategies for optimizing pipeline management and enhancing client engagement tracking throughout average sales cycles.

• Led operational strategies to enhance dealership performance and customer satisfaction.
• Developed and implemented training programs for staff, improving service quality and team productivity.
• Analyzed market trends to inform strategic decisions and optimize inventory management.
• Oversaw daily operations, ensuring compliance with industry regulations and internal policies.
• Oversaw P&L management and revenue margin tracking while conducting detailed budgeting reviews to optimize financial performance.

• Directed team initiatives to optimize operations, focusing on process enhancements and mentoring to support organizational goals.
• Created comprehensive training initiatives aimed at improving employee skills and enhancing customer service quality.
• Directed integration of innovative customer relationship management system, improving the quality and speed of client interactions.
• Conducted analysis of financial reports to inform strategic budget allocation decisions.
• Directed operational management and cost control initiatives to minimize center losses related to payroll and supplies.
• Oversaw daily cash reconciliations and vault management to uphold financial integrity and eliminate audit discrepancies.
• Implemented innovative local marketing campaigns and mentorship programs to sustain center growth profit over three consecutive years.

• Executed high-volume outbound prospecting to generate qualified leads and facilitate loan contract closings.
• Leveraged NMLS licensure to originate, structure, and process conventional home equity loans, residential mortgage products, and cash-out refinances.
• Directed loan file preparation, real estate valuations, title searches, and property appraisal reviews to facilitate efficient mortgage processing.
• Conducted comprehensive evaluations of borrower credit profiles and financial metrics to facilitate secure approval of high-value loans.
• Guaranteed regulatory compliance by aligning all mortgage originations with federal frameworks, including TRID, TILA, RESPA, and the SAFE Act.
• Developed and maintained consultative relationships with clients to enhance portfolio growth and secure repeat business.

• 3.1 GPA