Regional Manager

David Bowles

*** ******* ***** *****. ***** Springs, NC 27540

919-***-**** Home 919-***-**** Cell

***********@**.**.***

Applicant Profile

A talented, resourceful credit and sales specialist who combines market

tested analytical, financial, and problem-solving skills with polished sales, marketing,

and communication skills. Consistently able to master new tasks and concepts quickly

to establish rapport and earns trust. Characterized as organized, optimistic, hard

working, and competitive with a “can do” attitude, a high level of integrity, and a

desire to achieve results that exceed expectations.

Experience

AmeriCredit Financial Services; Raleigh, NC and Memphis, TN 1995-2009

Regional Credit Manager, 2007-2009

Responsible for managing and developing dealer relations for all credit and sales

functions in the indirect auto finance business within North and South Carolina.

Maintained dealer relationships that ensured volume objectives and credit

quality goals were met or exceeded. Evaluated credit data to make consistent

credit decisions that produced acceptable ratios and returns for company. Ensure

compliance with company policies and procedures. Traveled within territory to

develop sales representatives and to make joint calls to deepen relationships with

dealer customers.

· Provided credit team within assigned region with specific direction

through motivation and team building to achieve monthly volume

objectives according to corporate origination strategies.

· Reviewed and analyzed daily/weekly/monthly reports to use as tools in

decision making processes and coaching opportunities.

· Conducted regular meetings to establish direction for the regional credit team

· Increased originations and credit quality performance of multi-regional credit team

· Won 2008 award for having the lowest delinquency for the entire company.

Regional Manager, 2005-2007

I was promoted to Regional Manager for the North and South Carolina responsible for

all credit and sales duties for assigned territories. Traveled within territory

developing sales representatives and to make joint calls to deepen relationships with

dealer customer.

· Increased sales from $45M per year to over $175M per year

· Increased growth of dealer customers from 260 to 440 relationships

· Increased staff from 10 to 19 team members included recruiting, interviewing hiring, training and developing their talents. Responsible for 9 credit, 7 sales and

3 funding team members.

Area General Manager, 2000-2005

Transferred into the Raleigh credit center to take in increased territory. Responsible

for all credit, sales and funding for North Carolina. Traveled within territory soliciting

auto dealerships to sign up on our near prime and sub-prime lending program.

· Approved and captured automotive finance contracts that meet or exceeded

AmeriCredit profitability standards.

· Conducted one-on-one performance reviews with credit, sales and funding teams

helping establish direction for each team.

Area General Manager, 1995-2000

Started up new territory for AmeriCredit in the western part of Tennessee. Took

an area with zero presence to doing more than $36M per year in originations. Hired

staff of 5 including recruiting, interviewing, hiring, training and developing their

talents.

· Took an area with zero originations to over $36M per year within a two year

period.

· Implemented business to business strategy for role out of Dealer Track

application system and trained dealer customers on product knowledge.

Mercury Finance; Knoxville, Tennessee 1993-1995

Branch Manager, 1993-1995

Managed all aspects of branch operations including credit, sales and collections.

Reviewed, analyzed, and approved/rejected loan requests. Trained new underwriters in assessing loan applications, determining acceptability, and ensuring compliance with company standards. Oversaw collections to maintained 30, 60-day delinquency were within company guidelines. Oversaw the funding to ensure contracts were funded in a timely manner.

· Serviced and collected $15M portfolio

· Improved delinquency by 45% over a 2-year period.

· Improved contract volume while lowering delinquency.

Education

B.S in Economics

University of Tennessee: Knoxville TN.

Computer Skills

Highly Proficient in MS Office, SalesForce.com, Dealer Track, Cognos.

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