Manager Assistant

WILLIAM CARTER

*** ******* ***. **** **********, Florida 33312 cell: 787-***-****

AUTOMOTIVE FINANCE/ INDIRECT LENDING/ COLLECTIONS MANAGER

PROFESSIONAL SUMMARY

Versatile, high-energy professional who leads companies through change and

challenge to profitable growth. Strategic problem-solver who envisions

smart solutions and executes with urgency across all levels of the

organization. Hands-on leader with international experience who is able to

keep teams focused and productive. Outstanding strategist that is able to

deliver record breaking revenue growth in highly competitive business

markets. Skilled in negotiating partnerships, alliances, and other business

transactions. Keen ability to forecast industry trends, capture

opportunities, and catapult new ventures.

CORE COMPETENCIES

Business Planning & Development ~ Change Management ~ Policy Development ~

Strategic Planning

Team Development & Leadership ~ Revenue & Profit Growth ~ Productivity &

Performance Improvement

Credit & Compliance ~ Loan Portfolios ~ Indirect Loan Applications ~

Organization & Communication ~ Spanish

RECENT EMPLOYMENT HISTORY

Scotiabank de puerto rico - automotive finance center, San Juan, PR

2003 - 2014

Franshised owned bank founded in 1832 operating internationally in PR since

1910.

Assistant Manager Business Development, 2009-2014

Promoted to create, implement, and execute the annual profit plan including

monthly acquisitions, and individual BDR goals. Expertly forecast monthly

new, used, and Leasing results.

Manage nine business development representatives (BDR's) island wide

covering a network of 450 new and used dealerships. Effectively lead, train

and monitor staff issues including vacation, sick and performance

measurement including all hiring and firing.

Key Achievements

Fiscal year 2013 inplemented automated tickler system for all pertinent

dealer permits to ensure compliance. Exceeded Retail Profit Plan bookings

by $2.8M.

Fiscal year 2012 initiated and structured a merger with the largest dealer

group island wide resulting in revenues of $28.9M for the 2012 fiscal year.

Previous years bookings $17.2M. Exceeded Profit Plan goal by $4.2M, 2012

FY.

Fiscal year 2011 exceeded Retail acquisitions by $8.2M, overall

acquisitions for 2011 showed a $19.3M increase over 2010. Leasing

acquisitions reflected a 20% jump with total bookings of $21.3M

Fiscal year 2010 Retail and Lease bookings of $147M, exceeding the Profit

Plan by $3M. Lease bookings were nearly tripled in 2010 to $17.1M.

Fiscal 2009 exceeded profit plan numbers by $3M, $127M actual compared to

plan of $124M, through expert leadership and planning.

Assistant Manager Indirect Lending, 2004-2009

Key player in the development of a high quality indirect loan portfolio

achieved through efficient indirect loan application analysis using an

online credit evaluation system. Consistently exercised sound credit

judgment and leadership in the granting of loans while directly supervising

all internal and external Credit Analysts. Coordinated organizational cross

training of staff including performance review evaluations, staff planning

and salary administration. Tasked with Phoenix system administration and

processed on average 190 referrals daily with lending limits up to $125K.

Key Achievements

Leveraged expertise and successfully improved overall organizational

delinquency by 1.5%.

Improved the bottom line by reducing the loss per repossession by over 40%,

from $7K per unit to under $4K per unit.

Increased company's product mix of units with an 85% classification of

quality units as opposed to 15% of tier 2 and tier 3 units resulting in

better resale.

WILLIAM CARTER PAGE TWO

Assistant Manager of Administration, 2003-2004

Fully accountable for the expert management of daily workflows and

successful delivery of administrative support to management while leading

accounting personnel to a high level of lease portfolio processing

accuracy. Provided managerial direction and support for accounting

responsibilities supporting the senior account manager for Automotive

Finance Center. Ensured proper processing of all payments in conformity

with bank regulations and procedures including loan/deposit accounting

functions, proper facilitation of letters of credit, documentation and

safekeeping.

Key Achievements

Project managed the state of the art Data Scan System converting two

standalone accounting systems to one.

Streamlined a manual month end process into a 90% online General Ledgar

reconciliation, successfully reducing 1.5 FTE's.

Minimized leasing portfolio shrinkage 40% by creating a leasing retention

program.

Daimlerchrysler services caribbean, San Juan, PR

1998 - 2002

Financial services firm providing finance plans, dealer fiance plans,

dealer services and retail consumer finance plan.

Collections Manager

Headed the day to day operations of department and verified, analyzed and

authorized all charge-offs over 180 days past due in accordance with

company policies. Monitored all goals and objectives of both internal and

external adjusters ensuring maximum efficiency and effectiveness of

department.

Key Achievements

Created and implemented in 2001 recovery process for all deficiency

balances in the portfolio ensuring all retail accounts with an outstanding

deficiency were pursued via the proper channels.

Managed all collection activities of the recovery retail portfolio

resulting in first years recoveries over $1M.

Successfully implemented creative remarketing programs minimizing losses by

selling all units at maximum profit.

EDUCATION AND PROFESSIONAL DEVELOPMENT

Bachelor's Degree in Marketing, Inter-American University of Puerto Rico,

San Juan, PR

US Army Finance Specialist Certification, US Army Financial Specialist

Training School - Fort Benjamin, Harrison, IN

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