Michael Malone
Apex
Summary
Finance and Insurance Manager
Results-driven Finance and Insurance Manager with 9 years of experience in automotive finance. Proven expertise in loan origination, compliance, and financial forecasting. Strong leadership skills, exceptional product penetration rates, and a commitment to ethical sales practices. Adept at streamlining finance processes to improve profitability and customer satisfaction.
Overview
17
17
years of professional experience
Work History
Finance Director
Fred Anderson Kia
08.2015 - Current
- Implement a structured menu-selling process to drive profitability and product penetration.
- Maintain a 62% Vehicle Service Contract penetration and 40% Maintenance coverage.
- Maintain a $2,123 PVR while ensuring zero CIT and late funding penalties.
- Track lender portfolios and ensure all deals comply with federal, state, and local regulations.
- Work closely with the sales team to enforce proper selling techniques and maximize deal profitability.
Law Enforcement Officer
Memphis Police Department
06.2008 - 07.2015
- Mentored new recruits by providing guidance on departmental procedures and community relations.
- Collaborated with emergency personnel, including paramedics, police officers, and firefighters.
- Wrote detailed incident reports and provided evidence for legal proceedings.
- Built relationships with the community, improving public confidence in law enforcement.
- Assisted law enforcement agencies with investigations and intelligence gathering.
Education
Bachelors - Business Administration
University of Memphis
01-2006
Skills
- KPI tracking
- Financial policy development
- Automotive finance and insurance compliance
- Lender portfolio management
- Loan origination and approval processes
- Financial forecasting and reporting
- Customer service and relationship management
- Sales and negotiation techniques
- Leadership and team development
- Regulatory and compliance expertise
- Strong communication and professional ethics
Skill Set
- CDK
- Dealertrack
- Reynolds
- Cudl
Timeline
Finance Director
Fred Anderson Kia
08.2015 - Current
Law Enforcement Officer
Memphis Police Department
06.2008 - 07.2015
Bachelors - Business Administration
University of Memphis
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