Sales, Management, Merchant Services
Resume:
D. Renee Bryant
**** ***** ******* *** *** ***
Lewisville, TX 75056
***********@*********.***
Profile of Qualifications
Accomplished Financial Services Officer equipped with more than 15+ years of experience in retail credit underwriting, management collections, operations, risk management, and project management. Analytical, results-focused problem solver who views challenges as opportunities and adapts easily to change. Team player adept at partnering with site leaders to review data and devise creative solutions for meeting productivity, customer/staff satisfaction, quality, and financial goals. Articulate communicator capable of conveying complicated concepts to diverse audiences. Expertise encompasses:
Multi-Site Operations Management Research/Development Organizational Design/Effectiveness
Strategic Planning Inventory Control Business Measurement
Staff Development Expense Control Loss Prevention
Quality Control Technology Integration Process Design/Improvement
Selected Achievements:
Dealer and Client relationship-development expertise that complements the ability to aggressively build solid client base with dealerships.
Proven successful leadership and team building skills coupled with the ability to direct strong teams in managing customer relationships.
Credit approval, underwriting, documentation, portfolio monitoring of all scored and non-score risk assessments and trend analysis.
Increased auto buying loan volume to between $5M and $10M per month without increasing staff or cost by securing more credit unions and dealerships.
Elevated profits and market penetration by adding and managing, multiple remote offices.
Improved quality of credit union portfolio by maintaining delinquencies to less than 1%.
Streamlined application processing for quick turnaround time for point of sale financing. Successfully increased look-to-book ratio from 30% to 75%.
Grew company from producing $0 to over $120M in loans annually within 3 years.
Resourcefully established and implemented department policies and training manuals, enhancing staff productivity. Directed consumer lending underwriting staff and compliance with state and federal guidelines
Standardized daily activities of processing 625+ apps per month by devising and enforcing loan policies for staff and management.
Professional Experience
Snap Finance – June 2014 – Present
Account Executive
Developed, managed and strengthen merchant relationship through aggressively training, followup, coaching and development of the merchants sales team.
Managed relationships with key decision makers, resulting in steady stream of selling and up selling our financing.
Identified and pursued new sales opportunities which resulted in new and add on business by being a confident B2B executive.
Within 3 months generated new and repeat business by 42% by making consistent and personal contact with my merchants.
Increased merchant sales personnel productivity through innovative training initiatives individually.
Responsible for the maintenance and growth of our financing with merchants and building profitable client relationships.
Proven ability to manage customer care to the highest standard and handling high influx in bound calls for merchant support to build strong customer relationships.to maximize profit increase.
Demonstrated capacity to provide comprehensive support to all 300+ merchants I manage, which includes monthly visits, providing pop materials, training of new employees, and signing on new merchants.
Responsible generating leads, strategic sales support, sales presentations, marketing management techniques and increasing files sent by merchants, provide status information on the merchant including forecast/pipeline information.
SWBC (Southwest Business Corporation) June 2009 to 2011
Director of Reconciliation
Manage and monitor the status of all general ledger reconciliation; research clearing account reconciling items and serve as a backup of AFW accounting functions while exercising discretion and independent judgment with limited supervision.
Perform daily wires of Mortgage Corporation loan closing, update log and create journal entries.
Research clearing account items for premium accounting by working with various staff from GAP, LRM and mortgage to determine corrections.
Research outstanding Mortgage Corp loan balances by reviewing cash receipts and payments against closing documents and work with Mortgage Corp to resolve issues and clear balance.
Serve as backup for Insurance Services and Insurance Partners by staying abreast of AFW software.
Continued
Debra R. Bryant – page 2
FSAC (Financial Services Acceptance Corporation, a subsidiary of SWBC), 1996 to June 2009
Vice President / Manager of Lending Operations/ Loan Officer (2002 to 2009)
Director of Operations (2002 to 2009)
Steadily advanced through a series of promotions based on exceptional performance and results. Managed operations for consumer indirect retail lending and the activities of three satellite offices.
Spearheaded full-scope indirect lending operations inclusive of marketing, administration, loan status decision, staffing, training, budgets, month-end reporting, and reconciliation of 200+ credit union/dealership accounts. Oversees the customer care, policies/procedures, and quality control of the departments.
Lending authority up to $500,000 per loan
Prepared yearly budget and executed business development plans which focused on strengthening client relationships and optimizing problem resolution.
Significantly enhanced loan tracking and reporting by introducing new lending program to credit unions (Teres Solutions).
Conscientiously monitored account activities to ensure dealerships were funded within 24 hours.
Fostered, nurtured and maintained strong relationships with credit union CEOs and dealer principals to seamlessly coordinate site sales.
Conducted rate analyses to maximize competitive positioning, and orchestrated compelling marketing campaigns and promotions.
Successfully built and managed high-performance teams supporting branch as well as two satellite operations.
Operations Manager (1996 to 2002)
Applied keen leadership talents toward establishing all financial relationships, systems, staff, procedures, and processes necessary for compliance and start-up.
Trained and developed operations personnel, verified payroll data, and conducted regular employee performance evaluations.
Calculated dealer finance participation statistics, monitored credit union checking accounts, and prepared month-end reports for credit unions (for reserve disbursement).
Launched indirect lending program and managed associated team members.
Cultivated effective and cooperative relationships with dealerships and credit unions to clarify and implement organizational strategies, boost operational efficiency, and advance fiscal performance.
Exercised sharp multi-tasking and prioritization skills to coordinate loan validation/discounting, steer prompt funding of contracts to dealers, and continually evaluate and implement office automation solutions.
Education / Professional Development
Associate of Science Degree, Retail Marketing, Eastern New Mexico University
Snap Finance – Top Customer Service Award August 2014
SWBC – Employee of the month 1996 and Employee of the year 1996
Supervisor Certificate, American Management Association
Member of Coalitions for Credit Unions
Software
Teres Solutions and Appro (lending programs); DealerTrack, Microsoft Excel and PowerPoint; AS 400
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