Relationship Management Sales Representative

BOB LUCIBELLO

East Haven, CT ***** **********@*****.*** 475-***-****

Experienced lending professional with over 20 years of expertise in automotive finance, underwriting, and risk management. Proven track record of leading the development and execution of large-scale lending programs, cultivating strong dealer networks, and driving significant loan originations. Skilled in implementing digital systems to modernize operations, enhance workflow efficiency, and improve customer satisfaction. Adept at applying industry knowledge to enforce regulatory compliance, maintain portfolio stability, and deliver high-quality underwriting leadership. Background also includes teaching, auto sales, and business ownership, demonstrating strong leadership, relationship-building, and operational management capabilities across diverse industries.

Credit Risk Management

Underwriting Expertise

Loan Origination

Portfolio Management

Process Optimization

Regulatory Compliance

Leadership & Training

Financial Assessment

Dealer Relationship Management

Sales & Business Development

Strategic Planning & Execution

Negotiation & Vendor Management

PROFESSIONAL EXPERIENCE

Primary Lending Officer & Lead Underwriter March 2006 – December 2024

IAC – New Haven, CT

Spearheaded the development and execution of a comprehensive indirect automotive lending program, integrating digital application systems and establishing underwriting frameworks to drive scalable growth.

Cultivated and expanded a high-performing network of over 300 independent used car dealers across eight eastern states, resulting in over $28 million in annual loan originations.

Engineered credit risk management strategies that aligned loan growth with sound underwriting principles, ensuring portfolio stability and long-term performance.

Directed enterprise-wide modernization of lending operations by streamlining digital workflows and optimizing application processing, significantly enhancing operational efficiency and dealer satisfaction.

Championed underwriting leadership by applying 18 years of industry expertise to train personnel, enforce regulatory compliance, and uphold credit quality standards.

Teacher September 1995 – June 2005

City of New Haven – New Haven, CT

Planned and delivered differentiated instruction that supported diverse learning needs, resulting in measurable academic growth across core subject areas.

Developed and implemented interactive, standards-aligned curriculum units that enhanced student engagement and deepened subject understanding.

Collaborated with colleagues to refine instructional practices and contribute to a positive, data-informed school culture focused on continuous improvement.

Auto Sales Representative March 1993 – August 1995

Mercedes Benz & BMW of North Haven (Mauro Motors) – New Haven, CT

Delivered exceptional customer service by thoroughly understanding client needs, resulting in an increase in customer satisfaction and repeat business.

Strengthened client relationships through proactive communication and personalized follow-up, ensuring long-term loyalty and fostering trust.

Contributed to the dealership's growth by optimizing the trade-in process, enhancing inventory quality and supporting overall sales performance.

Owner & Sole Proprietor January 1976 – December 1985

Oxford Ale House & Great American Music Hall – Yale – New Haven, CT

Managed all daily operations of a 500+ seat venue, overseeing staffing, budgeting, inventory, and customer service to ensure smooth operations and a high level of customer satisfaction.

Enhanced the venue’s live music offerings and established partnerships with local artists, significantly increasing foot traffic and customer engagement.

Streamlined supply chain processes and renegotiated vendor contracts, resulting in significant cost reductions while maintaining service quality.

Introduced and enforced new inventory control measures for food and beverage, improving cost efficiency and supporting stronger profit margins.

EDUCATION

Bachelor of Arts Southern Connecticut State University

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