Customer Service Sales
Resume:
Charles B. Michaels
Raleigh, NC 27604
Objective: To acquire a position utilizing both management and sales skills
while contributing to the growth and success of the company.
Skills:
. Ability to work well independently or within a team environment.
. Successful Management and Sales abilities.
. Strong organizational and communication skills.
. Demonstrated aptitude for managing multiple tasks and priorities.
. Under promise and over deliver philosophy
. Can do attitude
6/08 - 12/09 C&F Finance - Richmond, VA
Branch Manager
. Facilitated the development and day to day operations of an Automobile
Financing Branch specializing in sub-prime financing. Including
underwriting guidelines, collection practices, marketing strategies
and deficiency recovery.
. Cultivated dealer relations to achieve a company objective of 70
contracts per month with an average contract size of $9,000 to
$12,000.
. Traveled to and met with dealer personnel at dealer locations.
Performed engaging sales presentations and on-site credit decisions
delivering immediate returns for both branch and client.
. Effectively/efficiently reviewed credit bureaus to make sound credit
decisions.
. Structured non-prime auto loans to achieve maximum returns while
minimizing risk exposure.
. Concluded all first payment default accounts.
. Audited all accounts 30 days past due, or greater, to ensure accounts
were being properly worked.
. Examined all funding packets for proper documentation and signatures.
. Resolved any title issues over 45 days past due.
. Displayed a productive and efficient management style where employees
clearly understood the purposes, practices, and procedures of the
branch.
. Ensured exceptional customer service was provided to internal and
external customers.
. Managed portfolio $10.5 million which included an outside acquisition
of $4 million dollars.
. Total portfolio delinquency 2.17% with annualized losses less than 4%.
3/06 - 6/08 United Auto Credit Corporation - Fayetteville, Hickory,
NC & Clearwater, FL
Branch Manager
. Administered the development and day to day operations of an
Automobile Financing Branch specializing in sub-prime financing.
Including underwriting guidelines, collection practices, marketing
strategies, deficiency recovery and auction processes.
. Developed dealer relations and contacts in order to achieve a budget
of $750,000 per month.
. Executed branch launch into untapped market area and customized a
strategic marketing plan that led to a 2007 Volume $9,675,000,
Delinquency <30 - .46%, >30 - .65% and Charge Offs .71%.
8/98 - 3/06 Ford Credit Commercial Lending - Charlotte, NC, Atlanta,
GA
2/03 - 3/06 - Dealer Account Manager - Charlotte, NC
. Developed and maintained Dealer Relationships (NC & SC) including 2 of
the top 10 Ford dealerships.
. Presented Commercial products to dealer personnel and end user
customers - TRAC Lease and Commercial Lease Plus.
. Promoted Commercial Sales and Commercial Vehicles.
. Engaged in joint sales calls with Commercial Account Managers
promoting Ford products and financing.
. Established commercial lines of credit ranging from 250K to 2 million.
. Obtained 110% of sales objective 2003 & 2004 and on track for 115%
2006.
. Generated Lines of Credit Totaling 12 Million in 2005.
Charles B. Michaels
4409 Emmit Drive
Raleigh, NC 27604
10/01 - 1/03 - Dealer Services Supervisor - Wholesale, Daily Rental
and Discounting - Atlanta, GA
. Managed daily operations in Daily Rental, Wholesale, Wholesale Lease
and Discounting.
. Completed Internal Audit with no major comments.
. Contributed to "Completely Satisfied" score on Dealer Services Survey
2001, 2002 &2003.
5/00 - 9/01- Dealer Services Supervisor - Credit Department - Atlanta,
GA
. Maintained a portfolio of 1.1 billion in receivables by monitoring
dealer portfolio performance, liquidation experience and implementing
purchase policy.
. Supervised 4 Credit Analysts, 2 Investigators and Commercial Lease
Specialist.
. Created training plans, administered coaching and counseling, and
provided annual reviews.
. Completed Internal Audit with no comments.
4/99 - 4/00 - Dealer Services Analyst - Atlanta, GA
. Analyzed and structured deals for commercial/consumer credit
applications within risk guidelines.
. Implemented a consistent purchase policy based on dealer support,
liquidation experience and management direction.
. Provided outstanding customer service to internal, external and dealer
customers.
9/98 - 3/99 - Customer Service Rep - Sr. - Atlanta, GA
. Supervised a team of four customer service reps and an administrative
position.
. Developed training plans, coaching and counseling and annual reviews.
1/98 - 8/98 - Customer Service Rep - Atlanta, GA
. Provided excellent customer service and collections on retail and
commercial accounts. Collateral varied from light units to heavy
trucks.
. Maintained a delinquency of 2.5% on an objective of 5% on Med/Heavy
units and less than 1% on light units with an objective of 1.5%.
Education:
Kennesaw State University - Bachelor of Business Administration
. Double Major in Finance & Major in Economics
Greenbelt Certified - Six Sigma 2004
Contact this candidate