Manager Sales

RUDY ARELLANO

**** ****** *****

Killeen, Texas *6542

254-***-**** [H] ********@*******.***

[W] 254-***-****

CAREER PROFILE

# Operations/Business Management # Consumer

Lending/Collections

# Financial Analysis/Decision-Making #

Accounting/Bookkeeping

# Human Resource Affairs/Training # Customer

Service/Public Relations

Excellent organizational, analytical, and leadership skills. Proven

performer in dynamic and volatile environments. Adapt to any situation to

produce positive outcomes. Consistently successful in upgrading

operations through team building and resource management. Continuing

professional development through company-sponsored seminars. Results-

oriented and decisive.

Computer Skills Using: Equifax, TRW, CBI, TRU, SARMA, Windows,

Paradata

PROFESSIONAL EXPERIENCE

Fogle Auto, Killeen, Texas 2008 to 2009

In-House Collection Agent: Conducted all the in-house collections.

Repossessed cars and made phone/field calls to

homes for collections of delinquent payments.

Cleo Bay Honda, Killeen, Texas 2006 to 2008

In-House Finance Manager: Researched and made lending decisions based

on ability to repay, stability, and credit

history. Instituted collections and repossessions; arranged

disposition of repossessions.

" Guided buyers through the credit application process:

# Assisted customers fill out credit applications for sales

qualification.

# Pulled credit reports and analyzed debt/income ratios.

# Worked with customers to repair/correct credit report

inconsistencies.

# Calculated total costs for automobile purchases and

approximated monthly payments.

" Staffed the sales lot with 1-5 employees: recruited, screened,

hired, evaluated, and terminated.

" Sold off accounts to banks and other lending institutions ensuring

a profitable turnover and increased return

on investment. Posted payments and posted down payments.

" Created and implemented advertising and business development

initiatives.

" Compiled and maintained all required records/reports in compliance

with state/federal guidelines.

" Liaisoned among the customer, dealership owner, salesman, and

lender to finalize a financial agreement

pleasing all parties.

Ashton's Furniture, Killeen, Texas 2002 to 2006

Owner/Operator: Owner and operator of a showroom offering fine home

furnishings and mattresses for sale.

" Placed vendor orders and negotiated vendor sales; arranged customer

financing and deliveries.

" Developed and implemented customer retention plans

" Created and instituted a "buy here, pay here" plan for sub-prime

lending.

Consumer Finance, Killeen, Texas 1997 to 2002

Manager/Partner: Managed a high-volume, consumer and sales finance

lending facility generating $2 million annually in collateralized

consumer loans. Hired, supervised, trained, and counseled a staff of

three.

" Built a portfolio of 800+ accounts (average collateralized loan was

$1300).

" Achieved a delinquency/collection rate of 2% or less. Applied state

and federal lending/collection policies.

" Ensured branch budget and expense goals were consistently met.

" Effectively interacted with clients to establish and maintain

profitable relationships.

RUDY ARELLANO

Page Two

PROFESSIONAL EXPERIENCE (continued)

Mercury Finance Company, Killeen, Texas 1986 to 1997

Regional Manager (1996 to 1997): Oversaw nine branch offices in Texas

with 85 employees and net

outstanding loans of $71 million. Reviewed branch operations for

compliance with state and federal regulations and

guidelines, and company policies and procedures. Ensured profitability

through lending and collections.

" Interviewed, selected, trained, counseled, and dismissed branch

managers.

" Negotiated leases for branches; established financing plans with

primary lenders.

" Restructured delinquency notification and collection activities.

" Achieved "Region of the Month" several times; earned numerous

incentive bonuses.

Branch Manager (1989 to 1997): Supervised, counseled, trained, and

evaluated 7 employees. Assisted with the

Manger-Trainee Program. Disbursed and managed over $6.5 million in

collateralized consumer lending annually

while maintaining less than a 1% delinquency rate.

" Determined individual loan eligibility ($75 to $15,000) based on

analysis and set criteria:

# Debt to Income Ratio # Credit Rating #

Collateral # Ability to Repay

" Processed up to 250 loans applications monthly with a 75% approval

rate.

" Applied a thorough working knowledge of Texas Consumer Credit

Regulations.

" Provided financial analysis and debt counseling; designed and

implemented debt consolidation programs.

" Supervised office accounting practices and procedures via

automation and manual.

" Possess Group 2 Insurance License to sell credit life, disability,

and property insurance.

" Developed and instituted advertising packages utilizing print and

radio media.

Operations/Collections Manager (1986 to 1989)

" Instituted draft programs for expeditious collections of delinquent

debt; maintained a collection rate of 90%.

" Supervised and performed repossession actions, as well as phone and

field collections.

ACHIEVEMENTS AND ACCOMPLISHMENTS

" Youngest person (at age 22) in the company ever promoted to

Manager; youngest person (at age 28) in the

company offered a senior-level supervisory position; consistently

earned the maximum incentive bonuses. " Multiple "Office of the

Year/Month" awards; currently rated #1 of 75 military branches; Top 10 of

234 total.

" Implemented a program to track and collect debt from military

personnel regardless of location (worldwide).

" Initiated the concept of the "Speed Loan" (one hour) popularly used

today for amounts less than $300.

" Achieved and maintained one of two A Branch Rating out of 8 local

branches (B and C rated).

" Developed and negotiated lucrative relationships with local car

dealers resulting in 42% of consumer lending

in car loans; achieved lowest repossession loss ratio of all

branches ($800 per vehicle vs. average of $2500).

" Supervised the remodeling/renovation of a 2300-square-foot office.

" Wrote several informational pamphlets which are currently used

today for distribution to clients.

" In comparison to other branches, consistently achieve more

productivity with less personnel.

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