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David Bradley Ainsworth 1509 Trailwood Ct. Nashville, TN 37214 678/923-6317 (CELL) da922cac@westpost.

net

OBJECTIVE:

Challenging management opportunity where my 10+ years of experience in finance management, lending, credit analysis, marketing, sales, management/supervision, auditing, collections and customer service can be combined with skills in developing an organization, motivation, building customer rapport, analysis and professionalism to bring profitability to a company.

EMPLOYMENT HISTORY:

2006-2010

Dealer Services Corporation

General Manager (8/07-Present) DSC - Branch Office Duties include establishing a process with an aggressive approach to increasing customer base with an emphasis on value and service; also maintaining existing customer partners. Lead efforts to achieve volume and goal targets in all inventory and product types. Building a process with an aggressive/urgent approach in order to maintain delinquent loans within company guidelines. Lead branch in preventive maintenance. Review reports and for exposure areas. Focusing on top loan exposures as it relates to dollar of loans outstanding. Perform on-site dealer audits as determined by company policies and practices. Hire and train skilled team members in areas of collections, customer service and personal organization. Establish and maintain objective, measurable goals for branch teams as well as individuals by providing clear expectations. Establish and maintain a goal oriented, dynamic, positive work environment that is healthy, friendly and energetic.

2006-2007

SOUTHERN AUTOMOTIVE FINANCE

Branch Manager (4/06-7/07) SAFCo - Atlanta, GA. Branch Office Duties included reestablishing customer base, developing and implementing new innovative marketing plans to regain market share, hire and train staff of underwriters, buyers, collectors and customer service representative. Establish procedures and internal controls to ensure branch effiency and exceptional dealer service. Achieve gross retail sales and contracts each month as budgeted. Control all facets of collections, remarketing and recovery.

2003-2006

UNITED AUTO CREDIT CORPORATION

Regional Manager (11/04-4/06) UACC - Knoxville, TN. Regional Office Responsibilities included accountability for profit and loss of 26 million dollar region, which included two Tennessee branches, as well as branch offices in Alabama, North Carolina and Ohio. Perform quarterly audits on each branch to ensure adherence to company policies with strong emphasis on underwriting guidelines and collection philosophy.

Branch Manager (5/03-11/04) UACC - Knoxville, TN. Local Branch Office Responsibilities included establishing customer base, developing and implementing marketing plans, sales objectives, setting up underwriting, buying and collections procedures; maintaining gross retail sales of $750K per month; maintaining deliqency below 1.0%, net losses below 4.25% of outstandings and supervising of eight employees.

1997-2003

FORD MOTOR CREDIT COMPANY

Dealer Account Manager / Sales Representative (3/02-4/03) FMCC - Honolulu, HI. Branch Office Responsibilities included evaluating incoming cosumer and commercial credit applications; contract volumes, wholesale share and dealer loans; developing and admininstering dealer incentives to assist in achieving objectives; training dealership staff on company products such as retail/lease rates and programs, warranties and insurance products.

Dealer Services Analyst (11/00-11/01) FMCC - Honolulu, HI. Branch Office Responsibilities included evaluating incoming consumer and commercial credit applications; supervising administrative staff to ensure timeliness of funding, documentation and investigative data; performing dealer credit evaluations to ensure financial solvency and to mitigate risk; maintaining and achieving set goals in profit margins, shareholder value added, loss ratios, market share and return on equity.

Wholesale Auditor / Vehicle Liquidations Representative (4/00-10/00) FMCC - Honolulu, HI. Branch Office Supervised dealership floor-plan audits ensuring strict adherence to policy, procedure, dealer accountability and resolution of any inventory discrepancies. Represented FMCC at auction to ensure the highest possible market values were obtained on remarketed vehicles while keeping open inventory to a minimum.

Team Lead / Supervisor (1/99-3/00) FMCC - Nashville, TN. Service Center Responsibilities included maximizing recourse of account representatives in both low-risk (auto dialer) and high-risk (direct dial) areas of collection to achieve goals in 30 & 60-day delinquency, repossession ratios, loss ratios, late charge collection and account clearing percentages. In addition, provided training and coaching to account representatives to improve upon performance and prepare for future development.

Collector I & II & III (1/97-12-/98) Primus - Nashville, TN. Service Center Role Model Collector - Collected on both Retail and Lease high-risk accounts in various parts of the United States ensuring actions are in complicance with state law and adhere to the Fair Debt Collections Act.

EDUCATION:

Business Administration Western Kentucky University - Bowling Green, KY. PC Skills: Microsoft Word, Excel, Publisher, PowerPoint and Outlook

Numerous Credit, Sales and Management seminars through Ford Motor Credit Corporation and United Auto Credit Corporation.

ACHIEVEMENTS:

Developed and launched national lending corporation's consolidation of thirty west-coast locations into a regional service center by centralizing processes for increased efficiency and performance in areas such as policymaking customer service, collections, and training. Results: Reduced annual losses, compensation and operating costs by more than $4 million.

Opened first Knoxville, Tennessee branch of national credit organization by establishing dealer relationships; setting up marketing, underwriting and collections processes. Results: Promoted to Regional Manager in 16 months, which included three out-of-state branches; managed the opening of subsequent branches. Took over as branch manager for national credit organization of a detoriorating office. Results: Hired and trained branch staff; significantly amplified asset base; increased production level to objective, reduced delinquency to well below objective and returned profitability to the branch. Exhibited ability to learn and succeed at increasing levels of responsibility within large financial corporations. Results: Received eight promotions in ten years; earned above-average salary increases. FMCC Director's Cup Winner

INTERESTS:

Collegiate Sports, Boating, Cooking & Travel.