Solera Auto Finance

Sales Director

Crescent Bank

A bank specializing in providing subprime auto loans to consumers across 33 states through a network of 6,000+ franchised and independent automobile dealers. 

Led, managed, and developed Crescent Bank's Origination Teams in Dallas, New Orleans, and Phoenix. 

Multi-site Credit Team / Inside Sales 
       • Created multiple targeted sales campaigns to support a high auto-decision environment.
       • Implemented targeted approval follow-up strategies to improve dealer experience.
       • Developed sales reinforcement strategies to support effectiveness of outside sales team.
Multi-site Funding Department
       • Created and implemented a standardized funding workflow.
       • Improved funding time and processing accuracy.
       • Implemented eContracting through Dealertrack and RouteOne application portals.
Dealer Relations Team
       • Eliminated backlog of unprocessed dealer agreements using electronic signature software.
       • Reduced dealer agreement processing and activation times for improved dealer experience. 
       • Created a weighted funding QA process to monitor and grade funding timeliness and accuracy.
Fraud Operations Team
       • Created Fraud Operations Department from scratch and integrated fraud detection and cure 
         procedures with sales, operations, and compliance teams.

SVP of National Lending

defi SOLUTIONS

A lending solutions company serving financial institutions for origination and servicing, analytics and 
reporting, and business process outsourcing.

Responsible for lending solutions relationship management for more than 50 financial institutions.

Client Success Manager

Flagship Credit Acceptance

Flagship Credit Acceptance / Car Finance Capital - A national consumer lending institution with up to $2B in annual loan volume and up to 1,000 employees.  

VP – Sales (2013 – 2018)
• Frequent field calls with RSMs and ASMs. 
• Managed a sales division to lead the company in volume in 2015, 2016 and 2017.
• Earned Sales VP of the Year for 2017

SVP – Administrative Services (2018 – 2019)
• Promoted from VP Sales to SVP Administrative Services 3/2018
• Worked cross-departmentally to improve recovery of dealer receivables and company profitability
• Improved dealer performance 
• Increased recovery of ancillary product cancellations
• Increased recovery rate and amount of missing equipment value
• Improved effectiveness and efficiencies of title administration
• Streamlined the active bankruptcy department
• Collaborated with executive team through merger with Car Finance Capital (former employer) in 2014

VP Sales, SVP Administrative Services

Sierra Auto Finance

Founded as an independent auto finance company headquartered in Dallas. Equity partner charged with 
developing sales, credit and funding processes and policies.
• Hired and trained core credit, funding, and sales personnel
• Developed program content, drafted policy manuals and program documents
• Worked with Director of Technology to set up lending operating system to efficiently and effectively 
   evaluate credit and funding decisions.

Director of Sales and Operations

GM Financial

Consumer lending institution with up to $10B in annual loan volume and up to 5,000 employees.  

Led integration when AmeriCredit acquired Bay View (former employer) in 2006.  Member of the senior management team. Managed 300 employees.

Other management responsibilities included:
• Directed Dealer Services Team
    o Funding and Loan Servicing  
    o Private Label Ancillary Products 
    o National Accounts 
    o Business Partnerships
• Worked with multiple departments to develop full spectrum lending program
• Led all Bay View team members through the completion of the company’s integration with AmeriCredit, retaining 95% of Bay View employees.
• Drove originations and profit
• Developed new business partnerships and opportunities

SVP Dealer Services/Loan Services

Bay View Acceptance Corporation

Managed teams responsible for sales, credit, pricing, funding, servicing, and collections for this auto finance company with loan volume of $1.2B. 
• Increased sales volume through geographic expansion and improved penetration
• Developed and launched new program features
• Decreased operating expenses through centralized processing
• Increased profitability through modified chargeback program

SVP - Sales and Operations

Bay View Bank, N.A.

Transformed the Houston originations center into the company's largest and most profitable operation.  Built a team of 100 professional sales, credit, and support personnel.

VP - Sales and Originations - Branch Operations

With a solid record in financial services and exceptional strength in automobile consumer finance, my teams have set records for sales, market share and profitability.  As a strong team builder and leader, team members have earned frequent promotions, awards and selection for important, challenging assignments.  Proven strengths and competencies include:

• Maximizing sales, profits, market share and customer/dealer satisfaction
• Establishing successful marketing plans in expanding and contracting markets
• Opening new markets, introducing new products and services
• Leading expansions and integrations that exceed ambitious financial and operational objectives
• Creating procedures, products and services to suit specific and changing market needs

Specialties: Sales & Operations Leadership | Marketing Strategy | Customer Service | P&L | B2B | B2C | Credit | Funding | Mergers and Acquisitions | Integrations | Turnarounds | Start-ups |  Servicing | Underwriting | Loan Origination

Contact Info:
972-795-9650 (Mobile) 
johnmoody65@gmail.com
Dallas/Fort Worth Area
linkedin.com/in/johndmoody

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