A seasoned business professional with exceptional experience in custom

Tony Dale Rhyne, Jr.

**** ********** ***., ********, ** 28054 ▪ 704-***-**** (h) ▪ 704-***-**** (m)

SUMMARY

A seasoned business professional with exceptional experience in customer service. Skilled at developing sales and marketing promotions and fulfilling customer expectations. Offers a successful track record in meeting goals, targeting new opportunities, and expanding customer base. Strong interpersonal skills with the ability to communicate with all types of people and organizations. Knowledgeable in current computer applications.

PROFESSIONAL EXPERIENCE

Citibank (Citi Financial Auto Division), Ft. Mill, SC May 2005 – Present

Sr. Credit Analyst/ Underwriting Buyer

In my current position, I am responsible for managing the credit process of clients/customers in the Mid-Atlantic and Southeast region of the US, from beginning to end, in a high volume environment.

• Negotiate loans, financing options, and contract terms with clients to increase business using current company guidelines and policies

• Research and analyze credit reports on all customers; make decisions based on customer and credit information; determine profitability of customer and ability to make commitment to loan obligations

• Responsible for generating daily and weekly reports, month-to-month forecasting, and reporting to management with analyzed results

• Remain abreast of current system requirements in an ever-changing environment

• Maintain relationships with current dealerships as well as generate business with new clients

• Provide and excel in customer service throughout all aspects of communication and day to day responsibilities

Haygood Lincoln –Mercury, Inc., Lowell, NC April 1996 – May 2005

Business and Finance Manager

As a member of the management team, responsible for establishing and developing financing plans, customer service, and promotions while streamlining operations and increasing profitability.

• Negotiated and processed loans for customers, ensuring contract accuracy and excellent customer service

• Analyzed payment histories for customers, as well as business-to-business transactions, to determine past due accounts; initiated collection calls to those clients; conducted repossessions when necessary

• Responsible for completing all title paperwork to be filed with the DMV

• Responsible for generating end-of-month profit and loss statements for various departments, including sales, finance, and rental programs; monitored finance reserve statements to ensure accuracy

• Purchased vehicles for company via Internet auctions, using cost saving strategies and budget restrictions

• Responsible for all vehicles in the Fleet Program; provided mileage, service, and location reports on all vehicles on a daily basis; maintained vehicle usage reports for auditing

• Arranged service appointments and verified warranty status; provided excellent customer service to clients by effectively responding to requests, inquiries, suggestions and/or concerns; assisted customers with transportation and related services during maintenance

• Designed and created company’s website for internal and external use; maintained website by loading current inventory and prices on a weekly basis, outlining current specials, and advertising seasonal promotions; administered services to internet customers, including service appointments and additional inquiries; provided qualified leads for sales representatives

• Created advertising and marketing promotions for regional communications (TV, Newspaper); coordinated all sales events and special promotions

EDUCATION

North Gaston High School June 1994

Ford Motor Credit Management Training

Certificate of Excellence in Finance and Sales June 1998

Master Certification in Financial Services February 2003

References Available Upon Request

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