Jose Gonzalez
Rancho Cordova
Summary
Professional in automotive finance sector, providing reliable leadership and strategic financial oversight. Skilled in loan structuring, credit analysis, and regulatory compliance. Known for fostering collaborative team environments and adapting to changing business needs, consistently driving results. Excellent communication and negotiation skills, combined with strong ethical focus.
Overview
11
11
years of professional experience
Work History
Finance Manager
High Class Auto Sales
11.2024 - 06.2025
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Ensured compliance with federal regulations and company policies regarding automotive financing transactions.
- Collaborated with sales managers to develop effective strategies for overcoming financial obstacles during vehicle negotiations.
- Maximized profitability by negotiating and structuring optimal automotive financing deals.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
- Conducted regular reviews of customer credit applications to maintain accuracy and integrity in the approval process.
Branch Supervisor
Lobel Financial
09.2022 - 11.2024
- At the branch we call dealers trying to capture their business
- Help them with many things like buybacks, registration, ACH, and updating information about dealers
- Keep a good communication and relationship with dealers to keep their business going
- Calling them to follow up on deals that were input into our system to capture them
- Outside and inside marketing with Dealers that are already doing business with us and getting new ones signed up
- As well as keep them updated with new changes on guidelines and company policies
- Assisting our loan processors with deals that might need documents from customers and/or dealers
- Creating reports to track monthly goals.
Regional Sales Manager
Veros Credit
11.2021 - 09.2022
- As a Regional Sales Manager I had to visit Dealers both New cars (Franchise) as well as Used Car Dealers, had to maintain a good working relationship and doing business together
- Also had to visits Dealers that have never done business with the company before
- Aside from visiting dealers I also reviewed all the Applications that were submitted and respond with a timely manner
- Read their credit report and check risk factors to make sure they comply with company guidelines
- Most deals were approved and if it was a counter or denial had to re negotiate with dealer as well as corporate office to try and make a deal happen and capture it.Was also focused on following up with missing/pending stipulation to make sure deals were funded and cleared
- Followed up with all dealers on Titles for deals booked, any late payments or buybacks.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
Finance Manager
Los Amigos Auto Sales
12.2014 - 10.2021
- As a finance manager, my job duties are to get deals approved, package deals, send them out to banks, and make sure deals get funded in a timely manner
- The dealership sells over 140 units a month, in which I finance.Responsibilities include Managing all sales employees, Make sure they are punctual, Greet customers in a satisfactory manner, Motivate employees to improve monthly sales, Focus mainly on closing deals by getting them approved by banks and getting them funded in a timely manner, Keep great relationships with bank representatives and other financial institutions in order to keep our professional momentum going.
Finance Manager/ Sales
Auto 110
01.2017 - 08.2017
- As a finance manager, my job duties are to get deals approved, package deals, send them out to banks, and make sure deals get funded in a timely manner
- Also did around 35-45% of the sales
- Went out to greet customers, run credit and close deal
- Regardless if it was my sale or not I did all the Finance.
Education
High School Diploma -
High School #9
Skills
- Phone and Email Etiquette
- Strategic Planning
- Employee Supervision
- Report Writing
- Credit and collections
- Multitasking and Organization
- Customer Service Management
- Sales Strategies
- Decision-Making
- Customer Service
- Relationship Building
- Office Management
- Workflow Optimization
- Microsoft Office
- Team Management
Languages
Spanish
Native or Bilingual
Timeline
Finance Manager
High Class Auto Sales
11.2024 - 06.2025
Branch Supervisor
Lobel Financial
09.2022 - 11.2024
Regional Sales Manager
Veros Credit
11.2021 - 09.2022
Finance Manager/ Sales
Auto 110
01.2017 - 08.2017
Finance Manager
Los Amigos Auto Sales
12.2014 - 10.2021
High School Diploma -
High School #9
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