Customer Relations Regulatory Compliance

JAMES BROWDER

704-***-**** *********@*****.*** Charlotte, NC 28215

Results-driven F&I Management Professional and U.S. Army Veteran with expertise in financial services, credit analysis, and deal structuring. Skilled in contract negotiations, risk assessment, and regulatory compliance, with a proven track record of maximizing profitability and building trust with clients and lenders. Experienced in account management, customer relations, and problem-solving in fast-paced environments. Seeking to leverage my expertise to drive financial success and enhance client satisfaction. QUALIFICATIONS / ATTRIBUTES

• F&I Expertise & Deal Structuring – Skilled in analyzing credit bureaus, prime/nonprime lending, and structuring deals to maximize approvals and profitability.

• Regulatory Compliance & Risk Management – Well-versed in state and federal laws, F&I policies, contracts in transit, and cash flow management to ensure full compliance.

• Financial Product Knowledge: Experience selling insurance, warranties, and financing products, ensuring customers receive comprehensive financial solutions

• Customer Relations & Negotiation – Strong ability to build trust, educate clients on financial products, and overcome objections, ensuring a seamless and professional sales process. F&I TRAINING

F&I Management:

Received training, experience, and exposure in all aspects of F&I Management

• Combining excellent menu presentations and strong closing skills to maximize profits

• Understanding of prime/nonprime lenders-structuring and budgeting deals.

• Ability to read and analyze credit bureaus.

• Well-versed in all compliance requirements, laws, rules, and regulations.

• Knowledge of F&I policies and procedures regarding cash flow and contracts in transit.

• Lease training for F&I – How Leasing Works, Lease Guidelines, Disclosures.

• Knowledge of F&I Software: Advent Resources, DealerTrack, RouteOne PROFESSIONAL EXPERIENCE

Atrium Healthcare System Charlotte, NC 2010 - Present Behavioral Health Professional

Promoted from Psychiatric Technician

• Conducted intake assessments, evaluating financial, legal, and risk-related factors—skills applicable to F&I credit decisions.

• Client Consultation and Relationship Management: Assessed individual needs, developed personalized service plans, and provided ongoing support—translating to strong customer service and finance counseling.

• Worked with community agencies and team members to ensure consistent client support, similar to collaborating with lenders, dealerships, and insurance providers in F&I.

• Maintained compliance with state and federal regulations, demonstrating attention to detail and adherence to legal standards essential in F&I.

• Facilitated independent living skills training, reflecting an ability to educate clients on financial products and contract terms.

Psychiatric Technician 2007 - 2010

• Conducted assessments, evaluations, and intake interviews to develop individualized plans, demonstrating strong analytical and problem-solving skills.

• Provided classroom instruction and one-on-one counseling, effectively communicating complex information and guiding clients through decision-making processes.

• Ensured compliance with confidentiality regulations and handled sensitive information with discretion, aligning with financial and legal standards in F&I.

• Managed high-pressure situations and conflict resolution using intervention strategies, demonstrating the ability to navigate customer objections and negotiations. Fresh Start Charlotte, NC 2002 – 2007

Group Home Counselor

• Assisted residents with personal finance and budgeting, teaching financial responsibility—skills applicable to F&I product explanations and loan structuring.

• Maintained detailed documentation and accurate records, ensuring compliance with regulatory standards and reporting requirements.

• Monitored behavior, ensured safety and supervision, and used conflict resolution strategies, demonstrating strong risk assessment and customer service abilities.

• Facilitated group discussions and one-on-one support, developing communication and interpersonal skills essential for guiding customers through financial decisions. First Union Charlotte, NC 1997 – 2002

Financial Specialist and Custom Relation Manager

• Achieved awards for Most New Accounts Opened, Most Products Sold, and Profit + Sales Growth.

• Closed HELOCs, car loans, boat loans, lot loans, and credit lines, ensuring clients received tailored financial solutions.

• Sold insurance products that provided financial protection for clients in cases of death or job loss.

• Built strong client relationships while maintaining adherence to financial regulations and compliance.

• Opened CDs, checking, and savings accounts, strategically upselling additional financial products.

• Managed tellers and customer interactions, ensuring smooth day-to-day branch operations. MILITARY

U.S. Army Germany OK, US

Culinary Specialist

• Managed inventory, budgeting, and cost control, ensuring efficient resource allocation and financial accountability.

• Maintained compliance with regulations and safety protocols, demonstrating strong attention to detail and adherence to policies.

• Led and trained team members in high-pressure environments, developing leadership, teamwork, and problem-solving skills.

• Delivered exceptional service and operational efficiency, ensuring satisfaction and quality in a fast- paced setting.

EDUCATION

Automotive Dealership Institute Scottsdale, AZ 2025 Diploma in Automotive Finance Management

Certificate in Customer Satisfaction Index (CSI)

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