As a seasoned business professional in the financial services industry, I have developed a proven track record and would like to put my skills to use for an organization such as yours. The results I have achieved encompass areas such as leading award winning departments, facilitating division start-ups, improving operations, increasing customer satisfaction, reducing operating expenses, streamlining labor costs, increasing efficiency, and providing key negotiations to maintain budgets. Most recently I served as the National Credit Manager for BMW Financial Services where I directed all aspects of retail consumer and business credit application processing operations. My broad scope of responsibilities included systems development, management, enhancements, application processing support, customer management (internal and external), and key relationship development. I also supervised 6 direct reports and 47 indirect reports while building a highly effective team. Some of the contributions I have made during my most recent tenure include the following: * Led department to JD Power Best in Industry Award (2005 through 2008). * Significant contributor to 2 startup divisions, Alphera Services Credit Department and Up2Drive. * Improved speed of credit decisions, increased customer service / satisfaction, and lowered sales loss risk. * Reduced operating costs $150,000 annually through initiatives streamlining systems / improving processes. * Decreased headcount through increase in automated decision-making solutions. My prior roles included Regional Credit Manager, Customer Service Team Lead, Funding Manager Team Lead, and Regional Collections Team Lead. While working my way through the ranks I gained valuable skills and insight and also built solid relationships. My ability to communicate effectively with superiors, peers, and subordinates is an asset that cannot be quantified but has added greatly to my success. A more quantifiable breakdown of my early career history includes the following: Regional Credit Manager * Increased efficiency 15% and lowered credit losses well below target. * Clear contributor; member of committee that developed highly successful manager mentoring program. * Saved department $18,000 annually through term negotiations with credit bureaus. * Assisted regional team with production of best application turnaround time, that increased customer satisfaction. Customer Service Team Lead - Retail * Elevated customer satisfaction survey to 98% overall rating within group. * Lowered call volume 10% through implementation of additional customer self-service options on website. * Orchestrated 3% increase year-over-year in customer satisfaction. * Instituted associate performance matrix aligning individual objectives with department goals. Funding Manager Team Lead * Guided team through comprehensive modification of funding process. * Facilitated 30% quality increased after participation on project team reducing errors and improving quality. With a focus on increasing sales, profits, efficiency, productivity, and customer satisfaction while concurrently reducing costs I believe it would be beneficial for us to meet. I am certain I offer the skills and experience you seek, and would welcome a discussion in which I could share additional insight into how my background could be of value to your team. I appreciate your time in reviewing my qualifications and look forward to speaking with you soon. Sincerely,