Summary
Overview
Work History
Education
Skills
Work Availability
Work Preference
Timeline
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AREF MALAEB

Officer South,VIC

Summary

Talented F&I business manager with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills .Dedicated to business success. Skilled team player with strong background in different industries (Marketing ,FMCG, Automotive ,finance and insurance ) .

Overview

17
17
years of professional experience

Work History

Group F&I Manager

Bay City Auto Group Pty Ltd
09.2023 - Current
  • Implemented new strategies for upselling F&I products, leading to increased profits without sacrificing customer satisfaction.
  • Established strong relationships with lenders, negotiating competitive rates for customers and improving loan approval rates.
  • Enhanced dealership profitability through the successful sale of finance and insurance products.
  • Maintained a strong understanding of industry trends and changes through ongoing professional development.
  • Streamlined processes for loan applications, resulting in faster approvals and increased customer satisfaction.
  • Analyzed performance metrics regularly, identifying areas for improvement and implementing necessary adjustments in strategy or tactics.
  • Promoted a positive work environment by fostering open communication among team members and resolving conflicts professionally as they arose.
  • Ensured the highest level of ethical standards were maintained within the department, safeguarding both the dealership''s reputation and customer trust.
  • Conducted regular staff training sessions on F&I product offerings, enhancing their ability to educate customers effectively.
  • Worked with lending institutions to secure financing and fulfill contracts.

F&I Manager

Berwick Motor Group
08.2019 - 08.2023
  • Scheduled high volume of calls, meetings, and conference calls with various parties
  • Improved customer satisfaction and loyalty by building an atmosphere focused on positive, memorable experiences
  • Trained staff on new financial products and guide staff through effective upselling and cross-selling techniques
  • Maximized finance departments' overall profitability and improved product penetration by developing comprehensive menu-based selling process
  • Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
  • Provided service to customers and prospects seeking loans by providing right loan products that met their needs
  • Helped sales department achieve goals with effective use of sales abilities and good understanding of dealer needs.
  • Accomplished multiple tasks within established timeframes.
  • Oversaw employee performance, corrected problems, and increased efficiency to maintain productivity targets.
  • Greeted all customers cheerfully and asked open-ended questions to ascertain needs.
  • Facilitated high volumes of cash,bank cheques and credit card transactions, verifying cash drawer balance at end of each shift.
  • Built relationships with customers and community to establish long-term business growth.
  • Collaborated with upper management to implement continuous improvements and exceed team goals.
  • Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
  • Increased profit margins by effectively controlling budget and overhead and optimizing product turns.
  • Implemented systems and procedures to increase sales.

Settlement Officer

Nissan Financial Services Australia Pty Ltd
08.2017 - 08.2019
  • Ensure settlement of loan transactions are smooth and efficient
  • Coordinate with dealer business managers resolving contract issues
  • Verify all documentation is meeting Nissan compliance and AML
  • Ensure contract irregularities are resolved in an efficient time frame
  • Communicate with other internal department to achieve a smooth settlement process
  • Working cooperatively with the settlements team to finalise contracts before deadline
  • Report to the team leader in resolving any pending issues
  • Thorough understanding of the processes involved in commercial, personal and lease loans (Aust/NZ)
  • Completed all required paperwork within anticipated timeframes
  • Supported operations with consistent maintenance and updates of corporate files and records
  • Finished all tasks and job duties, adhering to deadlines to avoid delays.
  • Compiled documentation, ensuring accuracy and detail for legal briefs, responses to opposing counsel, motions to court and trial exhibits.
  • Reviewed legal documents and contracts to determine potential conflicts and disputes.

SENIOR SALES EXECUTIVE

Berwick Motor Group
01.2016 - 08.2017
  • Working with the team to achieve Departments targets
  • Coached employees on upselling products and recommending enhanced services.
  • Supported staff with training, guidance and confident leadership.
  • Coached sales associates in product specifications, sales incentives, and selling techniques, significantly increasing customer satisfaction ratings.
  • Resolving client complaints and disputes
  • Analyzed KPIs and other sales performance data to initiate revenue-boosting improvements
  • Attended industry events to research emerging trends, evaluate competitor positioning, and network with new prospects
  • Recorded prospect communication in CRM software
  • Prepared account proposals detailing custom pricing and catered packages to suit account needs.
  • Demonstrated products and features to customers, answered questions and overcame objections.
  • Created prospect rapport by approaching leads and cultivating strong business relationships through sales.
  • Recognized and resolved compound problems that effected upper-level management and business initiatives.
  • Prospected leads, scheduled meetings and converted targets into customers at 65% rate.

SALES EXECUTIVE

Berwick Motor Group
04.2014 - 01.2016
  • Outstanding Customer service to achieve best customer experience
  • Greeted customers on lot and in showroom to answer questions about brand and available inventory.
  • Build report with all customer through out the sales process
  • Demonstrated automobiles by explaining characteristics, capabilities, and features, taking test drives and explaining warranties and services
  • Negotiated purchase prices and explained sales, warranty, and optional products.
  • Closed sales by overcoming objections, asking for sales, negotiating price, and completing purchase contracts,
  • Answered telephone and email inquiries from potential customers.
  • Followed-up on warm Internet leads and responded to customer questions about vehicle availability, price, and options while fielding inquiries from various marketing websites.
  • Responded to customer enquiries via telephone and email.


INSURANCE ADVISOR

Combined Insurance
08.2013 - 03.2014
  • Sold various insurance policies to customers based on risk tolerance
  • Interviewed prospective clients, discussed preexisting conditions, and evaluated obtained data regarding financial resources and needs
  • Always sought new clients by generating lists of prospects and networking within community
  • Described pros and cons of each insurance program from perspective of client's needs and financial requirements
  • Made 100 cold calls each week and arranged up to 10 of appointments each week
  • Built customized insurance programs to suit individual customers
  • Gained an exceptional knowledge of all insurance products offered to customize plans and meet needs of different customers
  • Met with potential clients to listen to needs, understand financial resources, and provide an affordable, beneficial insurance roadmap
  • Promoted plans by skillfully explaining features and advantages and turning objections around to complete sales.
  • Carried out administrative tasks such as handling policy renewals, maintaining records and collecting insurance payments.
  • Calculated premiums and established payment methods.

Territory Manager

Al Sultan Foodstuff PTY LTD
02.2009 - 05.2013
  • Met and frequently exceeded sales targets for assigned geographical territory through effective use of team resources and good planning abilities
  • Increased territory revenue with tactical approaches expertly leveraging market, competitor, and consumer data
  • Maintained full transparency of customer information across organization by regularly updating CRM software
  • Turned-around failing region and increased total sales 33 % by restructuring store leadership and implementing training programs focused on customer service and product upselling
  • Expanded contact lists for each client and looked for new opportunities
  • Closed new business opportunities by creating and executing strategic business plans
  • Closed biggest account in region by meeting with customers and providing value propositions focused on new products and services
  • Exceeded customers' expectations with timely communication and quick follow-up on communications
  • Created efficient business strategies based on in-depth analyses of customers' needs and territory competitor activities.
  • Analyzed sales data to identify areas for territory improvement and implemented strategies to maximize sales growth.
  • Established successful account relationships by building rapport and maintaining consistent communication.

MARKETING EXECUTIVE

Radius Qatar
01.2008 - 01.2009
  • Coordinated trade shows to showcase products and services,bring in new customers and boost market penetration
  • Planned and executed events and marketing programs to increase qualified leads.
  • Developed and executed marketing programs and general business solutions resulting in increased company exposure, customer traffic and elevated sales numbers.
  • Assisted with branding, advertising, trade shows, and company events
  • Launched marketing activities for new product lines and market penetration.
  • Onboarded new customers efficiently by developing database listings, uploading information, and defining related lists.
  • Managed relationships with key industry partners and implemented promotional initiatives to maximize marketing program performance.

Education

Bachelor of Arts - Business Management

BCU
Beirut
05.2007

High School Diploma -

Institute of Financial Services
Melbourne, VIC
06.2002

Skills

  • Business Development and Planning
  • Upselling Skills
  • Financial Regulation Compliance
  • Operational Efficiency
  • Dealership Management
  • Document Preparation
  • Conflict Resolution Techniques
  • Financial Service Solutions
  • Automotive Sales Experience
  • Verify Agreements
  • Staff Management
  • Customer Retention

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference

Work Type

Full TimePart Time

Work Location

RemoteOn-SiteHybrid

Important To Me

Career advancementWork-life balanceCompany CulturePersonal development programsWork from home optionTeam Building / Company RetreatsFlexible work hours

Timeline

Group F&I Manager

Bay City Auto Group Pty Ltd
09.2023 - Current

F&I Manager

Berwick Motor Group
08.2019 - 08.2023

Settlement Officer

Nissan Financial Services Australia Pty Ltd
08.2017 - 08.2019

SENIOR SALES EXECUTIVE

Berwick Motor Group
01.2016 - 08.2017

SALES EXECUTIVE

Berwick Motor Group
04.2014 - 01.2016

INSURANCE ADVISOR

Combined Insurance
08.2013 - 03.2014

Territory Manager

Al Sultan Foodstuff PTY LTD
02.2009 - 05.2013

MARKETING EXECUTIVE

Radius Qatar
01.2008 - 01.2009

Bachelor of Arts - Business Management

BCU

High School Diploma -

Institute of Financial Services

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AREF MALAEB