Sales Manager

***** ***** ****, **** *****, VA *****

804-***-****

**************@*****.***

Thomas Thornton

Professional Summary

. 10 years of professional experience in credit/finance,

and sales training

. Dynamic trainer, educator, and team motivator

. Strong background in financial analysis, and credit and

risk management

. Responsible for overall credit success of several state

area

Experience

2006-2009 Southern States Cooperative, Inc.

Richmond, VA

Sales Finance Manager/ Credit Manager

. Negotiated credit lines for use as operating lines for

customers

. Responsible for managing credit sales exceeding $350

million

. Approved and managed credit limits as large as $1.8

million

. Analyzed customers financial statements, cash flow

statements, tax returns, credit reports, as well as Dunn

and Bradstreet reports

. Worked with customers in a collection capacity,

developing proper repayment arrangement. When

necessary, would execute legal action to collect debt

. Audited stores for correct use of Policies and

Guidelines

. Assisted managers and sales staff with sales and credit

training

. Presented credit and sales recommendations to Executive

Board Members

2005-2006 SunTrust Mortgage

Richmond, VA

Post Loan Closing Specialist

. Audited files for compliance

. Worked with underwriters and sales force to ensure loan

approvals

2004-2005 Wells Fargo

Fredericksburg, VA

Sub-Prime Home Lending Specialist

. Developed business relationships for purpose of

generating sales volume

. Worked with customers to determine their individual

mortgage needs

2000-2004 American General Finance

Fredericksburg, VA

Branch Manager

. In charge of the daily operations of the branch,

including loan funding, human resources, and management

of employees

. Responsible for branch profitability, with focus on

profitability

. Successfully implemented sales strategies within branch

. Underwrite consumer and mortgage loans. Had final

underwriting authority in the branch. Oversee

relationship with retail financing customers

Education

2009 Liberty University Lynchburg,

VA

*currently enrolled in MBA program

2000 West Virginia University Morgantown, WV

B.A. in Sociology, Crime and Social Control

2008 Clemson University Clemson, SC

Southeastern Agricultural Lenders School (SEALS)

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