Bank Manager Direct Indirect Lending

Dale Wong
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234


Manager with 15 years experience in Operations and Direct/Indirect Lending in the banking industry. Career advancement with a solid track record of promotions for outstanding performance. Seeking an opportunity with an organization where my skills and experience will have a valuable impact.


• Strong interpersonal and communication skills with a demonstrated ability to develop and maintain sound business relationships.
• Proven ability to assume challenging roles, perform in highly visible positions, work under pressure to meet deadlines and produce strong sustainable results.
• Aggressive and energetic self-starter; effective working both independently and as a team member.
• Consistent success in surpassing productivity and performance objectives.


• #1 in GAP sales; more than tripling GAP penetration in a one-year period.
• Significantly increased EOM volume, increasing outstanding loan portfolio from $20 million to $70 million during the period from August 1996 to present at Caldicott Dealer Financial Services.
• Increased volume of business with local dealer base, while maintaining a 1.5% delinquency rate with an average ROE of 25%.
• Established relationships with over 150 major auto dealerships. Increased National Bank Auto Finance's loan portfolio from $20 million to $180 million in a one year period.
• Chaired Committee for Fundraiser (United Way), achieved highest Department results bank-wide.
• Recognized for achieving largest monthly volume in branch lending. Achieved highest volume of credit life and disability add-on sales.
• Top Performer in Department with lowest delinquency rate (.40%) as Collector at State Bank of Lexington.
• Introduced and implemented an Insurance Tracking Program for $70 million installment loan portfolio.


Caldicott Banks, Inc. (Dealer Financial Services), Tampa, FL
1996 - Present
Assistant Vice President /Senior Underwriting Officer
Recruited back to Caldicott Bank as Senior Underwriting Officer, from Chase Auto Finance to manage local dealer base and increase volume of business while maintaining current dealer relationships.

National Bank Auto Finance, Tampa, FL
1995 - 1996
Senior Credit Analyst
Managed and increased monthly loan volume to $25 million in the state of Florida from $4 million a month. In addition, purchased contracts in eight states throughout the Southeast, for the largest national automobile dealership finance service in the banking industry.

Caldicott Banks, Inc. (Dealer Financial Services), Clearwater, FL
1993 - 1995
Loan Officer/Retailing Lending
Responsible for the purchase of retail sales contracts from dealers within growth, loss and yield parameters set by management. Worked cooperatively with dealers to maintain account relationships and expanded market share.

State Bank of Lexington N.A., Lexington, KY
1991 - 1993
Loan Officer/Retailing Lending
Promoted from Assistant Manager in the Credit Adjustment Department. Personally interviewed applicants; analyzing credit information; and closing various types of consumer loans. Serviced the credit and non-credit financial needs of existing clients, maintaining a positive relationship to enhance future business.

State Bank of Lexington N.A., Lexington, KY
1988 - 1991
Assistant Manager/Credit Adjustment Department
Promoted to Assistant Manager after a successful three-year period in Collections. Managed the day-to-day operations of the credit adjustment department; handling customer questions, concerns and complaints, while attaining a department delinquency well below industry standards. Supervised, trained and motivated a staff of five.


American Institute of Banking, Lexington, KY


• Operational Training
• Commercial Lending
• Residential Lending
• Indirect/Direct Lending
• ACAPS, CMSI (Credit Review), Windows environment, Lotus 1-2-3

PRWRA Kathy Hadley - Kathryn Hadley & Associates - E-mail: khanda2001@aol.com