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Credit Manager Marketing Representative

Long Beach, CA
October 15, 2021

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Ray Orellana

Credit, Sales and Marketing Manager - Automotive Dealer Services

Long Beach, CA. - - 562-***-****

**-**** ******, ****** ********* Representative, Credit Analyst, and Credit Operations Manager experienced and dedicated to relationship building, customer service, employee and team development, business development, start-up and territory management, retail auto finance operations, underwriting and product knowledge. Enthusiastic, highly motivated self-starter with competitive results-oriented sales, service added value presentation, and negotiation skills.

•Consistently ranked as a top performer and promoted to positions of increased responsibility.

•Award winning sales professional with proven record of exceeding sales goals and breaking company records for sales growth in existing and start-up territories.

•Relationship building with enthusiastic presentation, excellent marketing, sales and credit skills.


•Self-motivated, innovative, persuasive and collaborative with a passion for sales and marketing.

•Excellent communication, interpersonal, follow-up, problem solving and organizational skills.

•Ability to work independently with dealer partners and as a team player across functional teams.

•Working knowledge of loan product knowledge, dealer finance and sales operations and service needs.

•Professional presentation, relationship building, sales and negotiation skills.

•High level of accountability, ability to effectively prioritize tasks in a fast-paced environment,

•Expert credit analysis, loan product, financial statement and collateral knowledge.

•Superior time management, ability to recognize market opportunities and effectively market dealers.


Disc Jockey

Self Employed - Whittier, CA. April 2012 to Current

Worked evenings to take care of family member during day. Worked clubs, parties, weddings, etc. No longer have family obligation.

Credit and Sales Manager - Auto Finance

GM FINANCIAL - Cerritos, CA. February 2010 to March 2012

Initiated daily interaction with automotive dealerships and executed effective marketing strategies with more than 145 dealers, underwriting loans, negotiating, and capturing approvals with a self-motivated, competitive attitude. Substantially increased indirect loan volume by orchestrating and building strong relationships between Sales, Credit Analysts, Funders, and Dealership to maximize business. Provide reports and competent analyses of territory production activity, and dealer performance metrics.

•Promoted to Area Marketing and Credit Manager due to achieved production, ability to coach, collaborate and strategize.

•Improved dealer penetration rates by 27% through targeted new long-term dealer business partner relationships, results oriented communication, team collaboration and effectiveness.

•Achieved up to 135% of all company sales targets and exceeded dealer performance objectives each month by providing service added value and consistent follow-up with dealer decision makers.

•Earned #1 market share position for the greater Los Angeles and Orange county area.

Credit Risk Operations Manager

BANK OF AMERICA - Brea, CA. January 2009 to January 2010

•Established, led, and motivated #1 Loss Mitigation team due to proficient understanding of coaching, product knowledge, task delegation and leading by example.

•Created pod system leading to a substantially higher efficiency of processing by 22%.

Sr. Mortgage Loan Officer

HSBC, IndyMac Bank - Irvine, CA. September 2007 to December 2008

Ranked in top 10% for production, achieved by competitive and self-starter attitude.

Sr. Loan Officer / Vice President of Sales and Credit Operations

POPE MORTGAGE AND ASSOCIATES - Rancho Cucamonga, CA. June 2004 to July 2007

•Promoted to V.P. of Sales and Credit Operations due to coordinated Sales, Credit, Wholesale lender partner communications, executed sales and production improvements.

•Promoted to Sales Team Leader due to identified market trends, product opportunities, achieved sales product knowledge and effective collaboration across functional departments.

•Improved sales and funding closure by 45% through competitive sales and follow up effectiveness.

Loan Officer

HOMEFIELD FINANCIAL - Irvine, CA. April 2003 to May 2004

Ranked in top 5% for production, achieved by a competitive and self-starter attitude.

Area General Manager Credit and Marketing – Auto Finance

AMERICREDIT FINANCIAL - Irvine, CA. January 1997 to February 2003

Developed indirect loan business in two different start-up territories. Effectively coordinated communication between Sales, Credit, Funding departments and dealer partners. Developed and executed effective sales strategies with dealers to exceed the overall market goals and dealer key performance objectives while buying in the field sub-prime auto finance contracts.

•Promoted to Area General Manager of Los Angeles start-up branch due to successful territory and new loan business development in Orange County, self-starter competitive attitude, and team collaboration

•Earned #1 volume market share position for the greater Los Angeles and Orange county area.

•Established 184 new dealer partnerships through effective marketing, negotiation and results-oriented dealer partner relationships.

•Spearheaded a remarkable 'worst-to-first" branch transformation increasing loan volume to 135% of goal while dropping delinquency by over 2%.

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