James Pallares
Maricopa
Summary
Seasoned financial manager with broad experience in budgeting, forecasting, and strategic planning. Skilled in optimizing financial processes and leading teams to exceed corporate goals through innovative strategies and efficient resource allocation. Proven track record of enhancing operational efficiency and financial health within diverse organizations. Demonstrated ability to analyze complex financial data and recommend actionable solutions that drive growth and profitability.
Overview
19
19
years of professional experience
Work History
Branch Manager
MARINER FINANCE
11.2022 - Current
- Exercise lending authority when reviewing and approving applications and uses product knowledge in offering loan solutions that meet customer need
- Manages the retention and of existing accounts, including lending and collecting, to achieve branch sales and delinquency targets/ goals
- Consistently and regularly coaches branch staff by providing actionable feedback in order to achieve branch goals, minimize turnover, and create a positive branch environment
- Prepares and submits reports reflecting branch activity and growth needed
- Develops additional business by networking with local establishments, such as retail and automobile businesses, and building string community relations
- Implements internal branch auditing procedures, which properly control all negotiable items and company records held within the branch
- Manages approval of exceptions to policy as authorized by management based on the nature of
- Exception, retention needs, and related factors
- Uses problem-solving skills to resolve product, service, and policy-related obstacles for customers
- Exercises authority to ensure policies and procedures are met when monitoring/ approving monthly expenses using annual business plan
- Promptly investigates and thoroughly works to resolve customer and employee inquires and complaints
- Participates and actively engage in company meetings and professional development activities to keep abreast of current trends and changing environment to enhance competency
General Manager
CASHTIME LOAN CENTER
05.2018 - 11.2022
- Verification of submitted customer information to determine eligibility and risk
- Review and process break down of financial contracts with applicable state and federal law
- Ensure loan applications are complete and accurate
- Explain contracts to customers thoroughly and ensure all necessary documents are completed and signed by both parties
- Review final contracts and approve for funding
- Monitor and review customer files daily
- Review and ensure all end of night financial reports have been completed and uploaded
- Effectively mentor and motivate employees, assist with training and development
- Make daily bank deposits, review all processed payments, and complete NSF reports
- Process vehicle lien release
ARD Manager
CASHTIME LOAN CENTER
03.2017 - 05.2018
- Assign and work thru Bi-weekly call list to department for Collection process
- Committed to securing client payments and settling accounts matters through effective negotiations
- Department review and Auditing accounts
- Assigning Repossession Orders
- Coordinate with Local Police departments for Stolen Vehicle reports
- Verifying Customers employment thru Work Number Software
- Skip Tracing using Accurint, Experian, & TLO Software
- Effectively manage often complex customer matters
Collection Account Manager
CASHTIME LOAN CENTER
06.2008 - 03.2017
- Administered delinquent account collection procedure
- Assigning Repossession Orders
- Skip Tracing using Accurint, Experian, & TLO Software
- Responded to customer issues and complaints in a professional and courteous manner
- Evaluated collection procedures to ensure compliance with regulations
- Reviewed and monitored Collection calls and made necessary adjustments
- Prepared staff schedules and tracked employee performances
- Set monthly goals
Collection Manager
Aarons
06.2006 - 06.2008
- Be willing to periodically travel to customer sites
- Perform Collection responsibilities for high-risk
- Work daily queues, follow up with broken PTP's, achieve assigned monthly goals
- Work with Collection team to drive continuous improvement in the collection process
- Responded to customer issues and complaints in a professional and courteous manner
Education
Dona Ana Community College
Las Cruces, NM01.2000
High School -
Alamogordo High School
Alamogordo, NM01.1988
Skills
- Public Notary
- Management
- Leadership
- Decision making
- Critical thinking
- Problem solving
- Analytical
- Financial reports
- Credit Report Analyst
- Data Analyst
- Written communication
- Verbal communication
- Interpersonal skills
- Office etiquette
- Independent work
- Cash handling
- Flexibility
- Adaptability
- Software: All Windows
- Punctuality
- Self-starter
- Can-do attitude
References
- Lesly Martinez, (480) 766-8801, San Tander Sr. Specialist Customer Advocacy and Resource Education
- Valeria Rodriguez, (831) 975-9212, Amazon Manager
- Eddie Vallin, (602) 918-7611, Presto Branch Manager
Timeline
Branch Manager
MARINER FINANCE
11.2022 - Current
General Manager
CASHTIME LOAN CENTER
05.2018 - 11.2022
ARD Manager
CASHTIME LOAN CENTER
03.2017 - 05.2018
Collection Account Manager
CASHTIME LOAN CENTER
06.2008 - 03.2017
Collection Manager
Aarons
06.2006 - 06.2008
Dona Ana Community College
High School -
Alamogordo High School