Consumer Lending, Finance and Administration.
Resume:
Mary Grace Y. Ponferrada
Torrance, CA *****
Finance, Administrative Support Professional
Profile / Performance Summary:
A detail-oriented analyst with proven experience in the automotive finance industry. Results-oriented, competent and efficient contributor to the overall success of the team. Proficient in problem-solving and consistently meets stakeholders’ expectations. Engaged in effective working relationships with all clientele. Dedicated to continuous improvements and delivering extraordinary customer service. Bring sound technical skills; computer savvy, ability to multi-task, and enjoys working with people.
Core Competencies:
Market Research Data Analyses/Competitive Rate Surveys
Accounting/ Auditing/Finance Customer Relations and Support Account Reconciliations Teamwork
Billing Statements/Invoices Training and Development
Excel, Word, PowerPoint Multi-Lingual (English, Chinese, Tagalog)
Microsoft Office Outlook SAP/ERP/WMS systems
QuickBooks
Education:
Bachelor of Science Degree, Major in Accounting
University of San Carlos, Cebu City, Philippines
Professional Experience:
Toyota Financial Services Torrance CA
Dealer Financial Services Administrator January 2012– July 2016
Supported dealers by answering inquiries, requests for financing, amortization schedules, obtained payoff quotes, and account payments in 1 business day
Submitted and followed up title/lien releases within 24 hours after account is paid off
Reviewed and processed documentations associated with customers’ vehicle purchases
Ensured full compliance with Toyota Financial Services policies, procedures, and service standards
Handled accounting and billing functions in less than a day; processed ACH, wire transfer, and checks within 2 hours
Booked units daily in the Wholesale Management System (WMS). Maintained customers’ accounts; and prepared monthly billing statements/invoices in 5 hours upon reports were uploaded
Ran Monthly Portfolio Reports and ad-hoc reports for Senior Management
Trained 2 new associates in the department on procedures and systems in less than a week
Received GEM awards for being recognized by 3 of top dealers for outstanding customer service
Fleet Solutions Representative March 2008– December 2011
Provided customer support on their accounts, by answering inquiries, amortization schedules, payoffs, and billing issues
Interacted with sales staff – regional sales managers
Assisted customers with questions on license and title information
Followed up with DMV on title/lien releases processed
Assists with forecasting, including tracking actual performance to the forecast
Processed daily rental payoff requests within 1 business day
Supported TFS Regions, CSCs, and DSSOs in any commercial fleet accounts
Trained one new customer rep in the team on systems and procedures
Assisted manager in ad hoc finance projects – Repossessions and Mass Payoffs
Assisted with Competitive Commercial Trucks/Equipment Rate Surveys, and monthly Sales & Marketing reports
Ability to resolve account reconciliation issues with Dollar Rent A Car, Budget Rent A Car, and Hino Motor Sales USA
Provided Internal Customer support by assisting contract analysts with the funding package to book Fleet deals
Supported Business Solutions during the transition of the Fleet Solutions portfolio by tracking current accounts’ monthly payments
Streamlined one of our major Fleet customer, State Farm’s invoices, and able to process in less than 20 minutes
Product Pricing/Program Analyst September 2005 – March 2008
Prepared Rate Review package and process Retail Rate Letters for each pricing area
Analyzed and prepared retail rate proposals for HQ Management review and approval
Analyzed the cost and profitability (ROMAs/RAROCs) of products, services and subvention programs
Maintained Retail Rate Summary and Competitive Tiered Report
Team Lead for the Retail Pricing Group
Supported TFS Regions and DSSOs in any price setting questions
Trained two new analysts in the team
Assisted manager in ad hoc projects – PowerPoint presentations and A3 spreadsheet
Documented and maintained Dealer Finance Department standards and procedures
Created Pricing Process User Manual and Desk Guide for the team to streamline various tasks
Retail Product Analyst – Pricing August 2002– September 2005
Processed Retail Rate Letters for each DSSO handled in the Western Region
Analyzed and submitted rate changes proposals for Senior Management review and approval (Pricing Committee) in 2 hours
Assisted in the rollout of the new pricing model and helped train the field associates
Tracked company ROMAs/RAROCs, discount rates, and profitability
Updated and maintained Lease Leaderboard and Retail Rate Summary
Gathered competitors’ data for market analysis and trend watch
Assisted in streamlining ASMs’ tasks to increase company profit
Monitored flat fee structure offered by various lenders
Updated Monthly Retail Rate Surveys on the company’s website for field associates
Performed other duties as assigned by management
Additional Part-Time Work Experience:
Relief Night Auditor Portofino Marina Resorts Redondo Beach CA
Balanced the day’s revenues/adjustments from the hotel, restaurant, and bar for accounting and management. Ensure that the next day’s activities and events start smoothly
Checked-in and checked-out hotel guests for the day. Processed payments accurately
Assisted hotel and restaurant guests with any requests and inquiries
Retail Sales Associate Macy’s Department Store Torrance, CA
Process Retail Sales/Returns/Exchanges; maintained and organized floor displays and merchandise inventory
Assisted customers’ needs and answer questions and inquiries in a timely manner
Cash handling transactions - sales register; post payments
Developed good rapport with customers and enhanced relationships with employees
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