James Thomas

Experience

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  Crescent Bank

  Aug 2007 - Feb 2016

  DRM/ Branch Manager

  With a meticulous approach, I excelled in dual roles of business development and branch management, emphasizing credit analysis, team leadership, and subprime financing. Directly supervising the loan production staff in Central Region offices showcased my leadership skills. As the territory buyer of retail installment contracts, I demonstrated expertise in credit grading, verifications, and collateral analysis. My involvement in assisting the collection department highlighted my risk management capabilities. Engaging in negotiations with stakeholders demanded effective communication and negotiation skills. I also played a hands-on role in recruiting, onboarding, training, and educating team members, significantly contributing to industry development.𝗔𝗰𝗰𝗼𝗺𝗽𝗹𝗶𝘀𝗵𝗺𝗲𝗻𝘁:☑ Established and maintained relationships with over 100 independent and franchised dealerships in the Southeast region, involving daily interactions with general managers, sales managers, F&I managers, and decision-makers. Show less

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  City Auto

  Mar 2009 - Apr 2013

  Finance & Insurance Sales Manager

  Presented financing, insurance products, and ancillary products to customers via menu presentation to generate substantial profit for the dealership. Provided customers with thorough explanation of all aftermarket products and services available to them at the time of sale. Maximized penetration percentages and maximized income per retail installment contract originated. Maintained professional and positive relationship with all lending institutions and insurance vendors. Followed ALL company and state guidelines for financing extended to consumers. Develop monthly forecast of contracts, F&I income, penetration levels and dollars per unit. Work closely with sales team to establish team atmosphere. Presented 100% of products, to 100% of customers, 100% of the time with 100% compliance. Show less

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  General Motors

  Feb 2016 - Nov 2019

  Account Development Manager

  As an Account Development Manager, I've successfully driven General Motors' finance program promotions, securing partnerships with unsigned dealerships and dealer groups. I oversaw training for underperforming F&I producers, ensuring their active participation in selling General customer care products. Throughout, I established and maintained strong dealer relationships, providing effective coaching for achieving sales and performance objectives.

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  AFC - Automotive Finance Corporation

  Jun 2021 - Aug 2024

  Relationship Manager / Branch Manager

  As a Relationship Manager and BM, I excel in executing leadership and management skills to achieve branch revenue goals, effectively leading the sales team, handling portfolio management, and identifying and implementing measures to reduce or control potential risks and impacts in the development of the organization. With a focus on proper account servicing, growth, and retention, I consistently meet revenue targets, conduct thorough lot audits to mitigate risks, and serve as a supportive business mentor to underperforming dealers.𝗔𝗰𝗰𝗼𝗺𝗽𝗹𝗶𝘀𝗵𝗺𝗲𝗻𝘁:AFC Eagle Club Winner 2023 Show less