joseph michael badillo
**** **. ******* ***** ***********, TX 76034 817-***-**** *********@*****.***
Automotive and financial services professional with over 15 years of combined experience in leadership, customer satisfaction, consumer and commercial auto loan originations (retail and lease), sales, product development, automotive industry analysis and vehicle residual value expertise
SUMMARY OF QUALIFICATIONS
●Credit Certification, Lease and Retail, (GM Financial)
●Funding Certification, Lease and Retail (GM Financial)
●B.S. degree
●M.B.A degree
●Expertise in automotive operations, consumer product development, vehicle residual value risk, profitability analytics and loan processing
●Strong skills in data analysis, leadership, training and developing employees, building productive interpersonal relationships, driving successful work teams and delivering customer satisfaction
COMPUTER PROFICIENCIES
Microsoft Word, Excel, PowerPoint, Outlook, AS400, FiServ LOS, Provenir, CPW
PROFESSIONAL EXPERIENCE
GLB CONSULTING, LLC/ Colleyville, TX May 2017 -Present
CONSULTING LANDMAN
●Coordination and negotiation with land owners in the purchase and lease of gas and mineral rights in West Texas, New Mexico and Oklahoma
● Maintaining strong relationships with existing network of land owners as well as developing and cultivating relationships with new potential land owners leads
●Educating land owners on the details of a lease and handling process related concerns and issues that arise
●Working closely with the asset team on researching, identifying new profitable opportunities
●Strong ability to close and acquire lease mineral and royalty interests
●Responsible for all contract and agreement related documents on both existing new relationships as well as new business
GM FINANCIAL / Arlington, TX April 2011-April 2017
Wholly owned and captive finance arm of General Motors.
VICE PRESIDENT-LOAN SERVICES, LEASE, & COMMERCIAL VEHICLE FUNDING
●265 direct and indirect reports, 4th level Manager
●Responsible for the entire consumer lease funding operation and commercial vehicle funding
●Recruited by company to build and develop lease product platform that generated over $20B in receivables
●Launched and developed the commercial vehicle funding platform (retail, lease, TRAC lease, medium duty and direct to dealer products)
●Instrumental in training many supporting departments in lease product knowledge
●Main business contributor to the development and deployment of the company’s propriety lease & commercial funding systems and consumer lease contracts
●Providing leadership, guidance and support to officer level management, managers, team leaders and team members of areas of responsibility to ensure effective daily operations
●Oversaw all aspects of the funding department with a working knowledge of the other various areas in Loan Services including Lien Perfection, Funding Administration and Quality Assurance
●Analyzing and monitoring workload assignments to ensure processing requirements are met, ensuring maximum productivity while maintaining quality service standards
●Collaborating and implementing policy and procedure guidelines
●Ensuring quality customer service is provided to incoming calls, written requests, other business unit inquiries, indirect customers as well as dealerships
●Preparing logical staffing models based on volume forecasts, trend analysis and training timelines to ensure appropriate staffing levels
●Maintained satisfactory internal audit results and state & federal level audits
ALG (Automotive Lease Guide) / Santa Barbara, CA April 2010-April 2011
Wholly owned subsidiary of TrueCar
CLIENT PARTNER – OEMs, CAPTIVE FINANCE INSTITUTIONS
●Assisted major automotive manufacturers (OEMs) in implementing strategies to build brand image and value to optimize vehicle residual values
●In-depth analysis of vehicle product content and pricing
●Promoted company’s suite of products to automotive manufacturer product teams to develop effective vehicle pricing strategies, content analysis, and vehicle segment positioning
●Consulted automotive captive finance companies in managing residual value risk through portfolio analysis and go to market product strategies
●Regular interaction with major ratings agencies (Moody’s, S&P, Fitch) on automotive industry insight and residual risk forecasting
MAZDA NORTH AMERICAN OPERATIONS/ Irvine, CA 2008-2009
BUSINESS DEVELOPMENT MANAGER – WESTERN REGION
●Responsible for the identification of operational deficiencies and improvement areas for dealers within Mazda’s Western Region
●Consistently monitored the region’s 165 dealers’ monthly dealer financial statements and issued communication on trends for field sales and service staff
●Developed operational processes to improve dealership profitability, fixed operations & sales absorption, customer satisfaction/loyalty, sales registration efficiencies and local dealership advertising campaigns
●Assisted in the identification of open dealer locations
●Responsible for the on-boarding process of new dealerships as a result of buy-sells and or open dealership appointments
AMERICREDIT FINANCIAL SERVICES/ Fort Worth, TX 2006-2008
ASSISTANT VICE PRESIDENT- PRODUCT DEVELOPMENT
●Designed and implemented retail automotive finance products that supported strategic manufacturer alliances that resulted in over $600M in annual originations
●Managed the delivery and product placement to sales, training, marketing, credit & pricing, funding and structured finance stakeholders
●Analysis and management of strategic OEM partners’ subvention incentive spending for both consumer retail and lease product offerings
●Residual risk analysis, market residual setting and residual forecasting
●Developed company’s formal business plan to initiate its first ever consumer lease product
●Successfully launched a national lease product that generated over $400M in originations
KIA MOTORS AMERICA/ Irvine, CA 2004-2006
NATIONAL INCENTIVES ADMINISTRATOR
·Primary liaison with secondary finances sources in the development and marketing of automotive retail finance products that included manufacturer subvented consumer retail loans and leases
·Coordinated with internal variable incentive department to control budgeted incentive spending while maximizing vehicle sales and product penetration
·Design and product development for national consumer lease and balloon products
·Developed internal budget forecasting models
·Assisted secondary finance sources in analyzing vehicle residual risk exposure and setting of market residuals
·Coordinated with internal sales regions to design and market competitive product offerings and placement
MAZDA NORTH AMERICAN OPERATIONS/ Irvine, CA 2003-2004
INDEPENDENT DEALER DEVELOPMENT CONSULTANT
·Consultant assigned to the company headquarters market representation department
·Conduced in-depth analysis of department policies and procedures
·Made recommendations on dealer market studies standards, identification of minimum dealer facility requirements, dealer appointments, and analysis of fixed operation facility standards.
·Liaison with internal legal staff on outlining and documenting minimum dealer package requirements for open dealer point assignment, dealer buy/sell procedures, new dealer start-up requirements and documentation of dealer termination process.
·Compiled research and analysis into an internal employee portal that served as a dealer development policy & procedure guide.
EDUCATION
·BACHELOR OF SCIENCE (B.S.) – business administration 1998
CALIFORNIA STATE POLYTECHNIC UNIVERISTY San Luis Obispo, CA
·MASTER OF BUSINESS ADMINISTRATION (M.B.A) 2004
CHAPMAN UNIVERSITY Orange, CA