Experience

World Omni Financial Corp

• United States
• Financial Services
• 1 - 100 Employee

• Director Commercial Operations

  • Jan 2018 - Present

• Dealer Credit Manager

  • Jul 1998 - Present

  Responsible for managing in excess of $300 Million in floor plan, mortgage, and capital loans. Over a third of my portfolio consists of real estate mortgages and construction loans. Instrumental in building the commercial portfolio through Dealer visits, existing customer requests, and customer referrals. Manage commercial relationships and conduct business development/marketing activities to attract and retain customers. Collaborate with risk management regarding high risk accounts.Prepare and review loan requests for existing and new JM&A customers. Responsible for reviewing JM&A loan documentation prior to funding. Prepare and negotiate loan documents with Dealer Principals and legal counsel. Present new business requests and potential risk issues to executive management. Responsibilities include managing risk, growing the portfolio, managing and training a staff of three associates, and building strong customer relationships. Ensure staff is properly trained in financial statement analysis, loan documentation, and evaluating potential risk issues. Created training manuals to ensure credit analysts are properly trained in all areas of credit analysis. Show less



Commercial Operations Manager

• Deerfield Beach, Florida

• Commercial Operations Manager

  • Apr 2016 - Present

  Responsible for managing $1 Billion Dollars in floor plan, mortgage, and capital loans. Over a third of my portfolio consists of real estate mortgages and construction loans. Instrumental in building the commercial portfolio through Dealer visits, existing customer requests, and customer referrals. Manage commercial relationships and conduct business development/marketing activities to attract and retain customers. Collaborate with risk management regarding high risk accounts. Approve loan requests for existing and new JM&A customers. Prepare and negotiate loan documents with Dealer Principals and legal counsel. Present new business requests and potential risk issues to executive management. Responsibilities include managing risk, growing the portfolio, managing and training a staff of ten associates, and building strong customer relationships. Ensure staff is properly trained in financial statement analysis, loan documentation, and evaluating potential risk issues. Show less



JM Family Enterprises, Inc.

• United States
• Motor Vehicle Manufacturing
• 700 & Above Employee

• Dealer Credit Manager

  • 1998 - Present



World Omni (JMFamily)

• Dealer Credit Manager

  • 1998 - Present



World Omni Financial Corp.

• Dealer Credit Manager

  • Jul 1998 - Nov 2012



Primus Automotive Financial Services

• Credit Analyst/Credit Buyer

  • Jan 1995 - Jan 1998

  Primus Automotive Financial Services is a wholly owned subsidiary of Ford Motor Credit Company. Responsible for maintaining dealership floor plan loans, capital loans, and mortgages. Duties involved the analysis of dealership financial statements, tax returns, and CPA audited statements. Build and maintain relationships through personal interaction with dealers to ascertain continued creditworthiness. Responsible for the preparation of new business packages, which are utilized to determine dealer’s financial strengths as well as weaknesses. Analyzing consumer credit history through disciplined underwriting guidelines and loan servicing requirements, and in the event of default, effective loss mitigation efforts. Show less



Lynn Insurance Group

• Property and Casualty Filing Analyst

  • Jan 1994 - Jan 1995

  Handled the development and implementation of our Automobile, Workers Compensation, and Property Insurance Rates. Duties involved developing a pricing strategy that will give our company a competitive edge, while maintaining a premium high enough to account for profit and unexpected insurance losses. Working with the executive staff and keeping them abreast of all current filings. Staying informed of all new insurance laws to ensure we were in compliance with all state regulations. Responding to the concerns of state regulators regarding our proposed filings. Corresponding with insurance industry suppliers of research and insurance law manuals. Show less