Rafael Rios

Experience

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  Superior Chrysler Jeep and Dodge

  Jan 2006 - Jan 2008

  F&I Manager/Sales Manager

  •Sell financing products,Gap insurance, service contracts, etc.Establish and maintain good working relationships with several finance sources, factory and otherwise.•Set up financing forecasting in conjunction with sales dept forecasting to achieve a desired percentage of penetration and income.•Work well with sales manager to secure a reasonable profit from every sale.•Conducting proactive calling, identifying potential opportunities, and marketing a variety of finance products, as well as managing the deals process from identification, proposal,award, credit approval and closing.•Generated new and development deals for a sales team. Show less

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  Wells Fargo

  Jan 2008 - Jan 2010

  Personal Banker/ Business Specialist

  •Maintain and manage client relationship with great customer service and account management.•Managed and Grow pipeline•Look for ways to benefit the customer's financial needs and build relationship both over the phone as well as in person.•Manage and grow portfolios, cross sell new and exciting clients•Ensure loan applications are complete, accurate and verifies to maintain proper customer files.•Explain contracts thoroughly and ensure all necessary documents are competed and sign.•Help sell products for partners including merchant services, payroll, investment and mortgages. Show less

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  J.P. Morgan

  Jan 2010 - Jan 2014

  Relationship Banker/Business Specialist/Asst manager M.O.D

  I provided team and branch support through prospecting new accounts, developing existing accounts, and maximizing customer retention. Coached and counseled personal bankers and tellers and referred business to bank partners.•Produce consistent customer growth through effective lending and account management practices, with an emphasis on customer retention•Managed and Grow pipeline •Explain terms,rates of contracts to customers thoroughly and ensure all necessary documents are completed and sign Show less

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  Copart Credit Acceptance Corp

  Jan 2014 - Jan 2015

  Market Area Manager

  As Market Area Manager, I collaborated with dealerships to launch the core Credit Acceptance Platform as well as train associates and management in the use of the system to improve customer service and drive additional sales. Key Achievements:• Assisted in the product development and enhancement of the product with dealership owners, General Managers, and store personnel that improved functionality of the product and increased customer satisfaction.• Effectively utilized the CRM system to grow pipeline and manage potential prospects. Grew book of business by more than 40% monthly.• Assist local auto dealers in providing Credit Approval to all customer, and coach them in finding ways to structure deals, and maximize profits.• Monitor dealer productivity and analyze monthly reports.• Developed and analyze credit goals and communicate strategies to dealers to accomplish goals.• Build network in person and via phone with key decision makers in a designated territory. Show less

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  Nissan of Downtown L.A

  Jan 2015 - Jan 2019

  Finance Manager

  I spearheaded the financial and loan processing activities of Nissan of Downtown L.A. in such areas as client financing, sales planning and strategies, goal setting, portfolio management, aftermarket sales, vendor relationships, and dealership services and procedures. Key Achievements:• Collaborated with Sales Manager to develop sales, penetration, and income forecasts to meet and achieve company goals and financial objectives. Maintained an average of $2300-$2600 per vehicle profit and achieved #5 of the top 20 in the Lithia Group in the first year.• Led sales strategies through cross-selling of finance products such as GAP insurance, warranties, and maintenance to maximize profitability on each deal.• Proficient at structuring deals for maximum profitability and collectability.• Collaborate with sales manager and team to develop and meet monthly and annual goals for the department. Closed an average of 80-100 deals a month. Show less

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  National Warranty Corp. PIPI

  Jan 2015 - Jan 2015

  Account Executive

  At National Warranty Corp., I successfully developed and maintained sales and marketing strategies as well as account management goals to introduce and promote the company’s warranty products and services in potential markets.• Provided strategic analysis and reporting of marketing trends and conditions to develop financial forecasts and sales goals as well as marketing strategies.• Develop company’s account strategies, marketing strategies, and promotional communication channels to introduce and promote products to potential markets.• Analyzing marketing trends and predictions and researching market conditions to develop sales goals Show less

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  Valley-Hi Nissan

  Jan 2019 - Jan 2020

  Finance Manager

  At Valley-Hi Nissan, I led all aspects of the daily financing efforts for the dealership including lender relationships, financial services, portfolio management, regulatory compliance, department profitability and penetration, E- contracts, deal structure, and customer service efforts. Key Achievements:• Managed strategic vendor relationships with various finance services and captive lenders that provided clients with various financing sources and different loan options. • Led sales strategies through cross-selling of finance products such as GAP insurance, warranties, and maintenance to maximize profitability on each deal.• Created and initiated comprehensive selling processes that drove sales, increased penetration, and ultimately improved profitability.• Ensured quality controls and compliance to Federal, State, and local regulations through a keen focus on proper documentation and operations excellence. Show less

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  Culver City Toyota

  Jan 2020 - Jan 2020

  Finance Manager

  As Finance Manager, I direct a team in the day to day financial management and functions of a high-volume Toyota Dealer in such areas as financial services, lender relationships, profitability, automotive financing, penetration and client satisfaction. Some of my key achievements are listed below:• Develop and implement continuous business and financial process improvements that increase efficiencies, drive compliance, and maintained profitability of $1700 - $1900 per vehicle. • Create and launch a comprehensive menu selling process to help maximize the departments overall profitability and increase penetration. Achieved a 70% warranty penetration and 80% in GAP penetration.• Collaborate with sales manager and team to develop and meet monthly and annual goals for the department. Closed an average of 50 deals a month.• Ensure all Federal, State, and local documentation is completed accurately and submitted in a timely basis.• Assist in the training and development of sales team to ensure implementation of proper sales techniques and methods resulting in improved sales and increased client retention.• Partnered with lenders to track portfolios and ensure all loan stipulations are met and in compliance to finalize deals. Show less

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  Gardena Honda

  Mar 2020 - Mar 2021

  Finance Manager

  Direct a team in the day to day financial management and functions of a high-volume Honda Dealer in such areas as financial services, lender relationships, profitability, automotive financing, penetration and client satisfaction. Key Achievements:Develop and implement continuous business and financial process improvements that increase efficiencies, drive compliance, and maintained profitability of $1900 - $2900 per vehicle. Create and launch a comprehensive menu selling process to help maximize the departments overall profitability and increase penetration. Achieved a 70% warranty penetration and 80% in GAP penetration.Collaborate with sales manager and team to develop and meet monthly and annual goals for the department. Closed an average of 60-70 deals a month.Ensure all Federal, State, and local documentation is completed accurately and submitted in a timely basis.Assist in the training and development of sales team to ensure implementation of proper sales techniques and methods resulting in improved sales and increased client retention. Show less

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  Gardena Honda

  Jul 2021 - Sept 2023

  Sales Manager

  Direct a team in the day to day sales management and functions of a high-volume Honda Dealer in such areas as financial services, lender relationships, profitability, who draws on experience within the automotive industry to ensure optimal customer satisfaction.Key Achievements:Develop and implement sales strategies to see monthly, quarterly, and annual sales goalsMonitor sales performance and adjust strategies as neededAnalyze customer feedback and develop strategies and improve customer satisfactionDevelop and maintain relationships with customer and potential customerTrain and mentor sales staff to ensure they are up-to-date on product knowledge and sales techniques Show less

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  Keyes Hyundai

  Sept 2023 - now

  Sales Manager

  Direct a team in the day to day sales management and functions of a high volume Hyundai dealership in such areas as financial services, lender relationships, profitability, who draws on experience within the automotive industry to ensure optimal customer satisfaction.