Sales Customer Service

Kevin L. Bell

**** *. ********* ***. *********: 480-***-****

Gilbert, AZ 85298 Cellular: 602-***-****

EXPERTISE

Credit and Underwriting / Compliance / Sales and Business Development / Collections / Service

Seventeen years of indirect automotive and RV lending experience with large banks and lending institutions.

Experience includes thorough knowledge in the areas of credit, underwriting, risk and compliance. Job duties have

included sales, credit analysis, truth in lending, conducting floor plan audits, auditing dealer files, managing

collection activities and disposing of repossessed inventory. Credit related responsibilities include credit bureau

analysis, calculating debt and payment to income ratios, verifying proof of income utilizing paystubs or tax returns,

analyzing business financial statements, calculating loan to value ratios and resolving loan origination problems.

EXPERIENCE

Huntington National Bank

HQ: Columbus, OH

Senior Sales Representative 2003-2009

Managed sales for Huntington Bank’s indirect automobile retail and leasing programs in the state of

Arizona. Dealer base consisted of over one hundred and seventy stores state wide and reached volume

levels exceeding $20,000,000 monthly. Handled all sales, service, programming and collection

activities for the region. Reviewed credit applications and resolved loan origination problems daily to

ensure customer satisfaction with the products sold. Built and maintained relationships after the sale to

make certain company volume and efficiency objectives were achieved.

* Huntington Summit Club Award 2007 and 2008 *

AmTrust Auto Finance / Ohio Savings Bank

HQ: Cleveland, OH

Regional Sales Manager 2000-2003

Managed sales for AmTrust Bank’s indirect automobile lending program in the southwest region.

Successfully marketed the company’s retail program to targeted automotive dealerships in the states of

Arizona, Nevada, Utah and Colorado. Dealerships acquired provided the region with over $20,000,000

in retail volume monthly. Analyzed retail credit applications, resolved loan origination problems and

provided customer service and collection support. Exceeded all management objectives for southwest

region’s business including volume, yield, delinquency and efficiency levels.

Falcon Leasing Company

HQ: Scottsdale, AZ

Market President 1997-2000

Serviced more than one hundred automotive dealerships in the company’s southwestern territory and

analyzed retail credit applications. Exceeded company volume and yield objectives while maintaining a

delinquency level of less than 1.00%. Resolved loan origination problems, provided collection support

in the field and assisted in the pricing and disposal of repossessed inventory.

Fleetwood Credit Corporation / The Associates

HQ: Overland Park, KS

Senior Account Representative 1993-1997

Successfully sold retail and wholesale financing programs to RV dealerships in a nine state territory.

Analyzed retail credit applications and informed dealers of credit decisions in a prompt and professional

manner. Resolved loan origination problems, conducted truth in lending audits, and supervised collection and

repossession activities for the region. Conducted wholesale floor plan audits and prepared credit packages for

dealer wholesale and retail lines of credit. Utilized business and personal financial statements to determine the

dealership’s financial condition and performed appropriate reviews.

* 1995 Quality Performance Award *

EDUCATION

Johnson County Community College

Associate of Arts, Business

TECHNICAL

Heavy PC user: word processing, spreadsheets, information and contact management applications,

etc. Strong technical aptitude. Able to learn new applications and technologies quickly and easily.

REFERENCES

Employer references available upon request.

Contact this candidate