Ramir Sino
Epping,VIC
Summary
Experienced finance and mortgage broker with over 10 years of expertise in asset finance and more than 2 years in mortgage broking. Proven ability to deliver tailored financial solutions that meet client needs while achieving exceptional performance outcomes within tight deadlines and budget constraints. Adept at navigating complex financial landscapes, building strong client relationships, and providing strategic advice in both consumer and commercial markets. Recognized for exceptional sales acumen, business development skills, and a solution-oriented approach that drives growth and client satisfaction. Dedicated to maintaining the highest standards of professionalism and compliance.
Overview
13
13
years of professional experience
Work History
Locum Business Manager/Finance Broker
Self-Employed/Loanworx
11.2020 - Current
- Maintaining accurate records and ensuring compliance with industry regulations.
- Attended weekly CPD training to ensure meeting and exceeding compliance requirements
- Evaluated current market trends and competitor strategies, guiding the development of innovative solutions to stay ahead in the industry.
- Worked with clients and finance companies to find optimal solutions for Client's requirements and objectives.
- Developed advanced product knowledge to share current information while generating and delivering products quotes.
- Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
Business Manager
Werribee & Western Automotive Group
06.2016 - 11.2020
- Presented, introduced, and sold finance, insurance, and warranty products to customers, resulting in consistently meeting sales targets
- Collaborated closely with the sales team and aftermarket consultant, establishing strong relationships and negotiating favourable finance deals
- Developed and maintained good working relationships with finance companies and dealership employees
- Managed the entire finance and insurance process, including document preparation, verification, and submission
- Collaborated with finance and insurance providers to ensure seamless service delivery and customer satisfaction
Business Manager
Bayford Volkswagen
10.2015 - 03.2016
- Introduced in-house finance, insurance, and warranty products
- Maintained accurate and up-to-date records of car, finance, and insurance sales
- Built and maintained customer relationships and assisted sales consultants in closing deals
- Contributed to the development plans, policies, and procedures as required ensuring the achievement of all sales tasks run smoothly and in a timely manner
- Attended sales meetings, managed the referral process, and conducted referral training as appropriate
Business Manager
Inchcape Automotive Retail
12.2014 - 10.2015
- Established and maintained strong relationships with clients to ensure their continued loyalty
- Led a team of consultants including all aspects of training and development with a focus on sales and good business practice
- Maintained a solid knowledge of products, services, and competitors to build and maintain the client portfolio
- Developed and maintained relationships with decision-makers to create sales opportunities
- Handled all customer queries and complaints and ensured they are resolved in a timely manner
- Scheduled vehicle delivery with customer and salesperson
Business Manager
Kevin Dennis Volkswagen
11.2012 - 10.2014
- Met with customers and closed the sale by offering extended warranties, GAP, etc
- Worked within a team of sales consultants to make sales with prospective customers
- Sold solutions to individuals and organizations using a consultative approach to meet targets and performance indicators
- Met and exceeded dealerships’ forecasted sales targets
- Disclosed all financial and product information pertaining to the customer agreement
- Maintained a thorough understanding of the benefits of the products and services offered
- Established and maintained good working relationships with lenders and insurance product sources
Business Manager
Gary McMillan Toyota
07.2012 - 09.2012
Education
ERA Net/ERA Link Training
Finance And Mortgage Broking
Fusion
Certificate IVSkills
- Personal Qualities: Offers personal qualities of initiative, flexibility, attention to detail, and integrity and the ability to think outside the box to resolve problems and create win-win outcomes; offers easygoing temperament with the ability to work well with others to meet job requirements; takes personal responsibility for own actions and admits mistakes
- Financial Management: Able to analyse credit applications, recommend financial actions, audit documents, reconcile financial discrepancies, verify documentation, and comply with legislation
- Customer Loyalty Development
- Personalisation: Tailoring interactions, offers, and communications to meet individual customer needs and preferences
- Customer Engagement: Fostering meaningful interactions through proactive communication, social media, and other channels
- Exceptional Service: Providing high-quality, responsive, and consistent customer support
- Trust Building: Ensuring transparency, reliability, and ethical practices to cultivate trust and brand affinity
CURRENT LENDER ACCREDITATIONS
- Firstmac
- Pepper
- Latitude
- Liberty Motor Finance
- Now finance
Timeline
Locum Business Manager/Finance Broker
Self-Employed/Loanworx
11.2020 - Current
Business Manager
Werribee & Western Automotive Group
06.2016 - 11.2020
Business Manager
Bayford Volkswagen
10.2015 - 03.2016
Business Manager
Inchcape Automotive Retail
12.2014 - 10.2015
Business Manager
Kevin Dennis Volkswagen
11.2012 - 10.2014
Business Manager
Gary McMillan Toyota
07.2012 - 09.2012
ERA Net/ERA Link Training
Finance And Mortgage Broking
Fusion
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