1. DAVID M. PENDINO
104 COMISKEY PARK CIRCLE, SUMMERVILLE, SC 29485. PENDINODAVID84@GMAIL.COM, (720) 940-7307
(CELL)
OBJECTIVE
To obtain a continuing career position in the lending services industry with a geographical preference for the
Summerville, Goose Creek, North Charleston, SC territory.
EXPERIENCE
4/2015 to Present Dorchester District 2 Summerville, SC
SUBSTITUTE TEACHER
 Filled in on an as needed basis for educators needing to take time off for both professional and personal
needs. Requirements included a 2 day seminar on expectations and effectiveness techniques. Also, a
formal background check was conducted prior to approval to participate. For the 2015-16 school year, I
had 156 assignments (several multi day assignments) and became known to the faculty and administration
at several schools as a reliable and effective substitute who was willing to come in with very little notice.
10/30/2014 to 02/18/2015 TitleMax Summerville, SC
CUSTOMER SERVICE REPRESENTATIVE
 Greeted customers in person and on the phone, handling all customer service issues from delinquency to
account changes. Appraised vehicles according to company policy as well as prepared documentation and
closing loans. Evaluated repossessed vehicles and made outside field visits to customers unreachable by
other means.
11/15/2013 TO 06/02/2014 Automotive Finance Corporation Monck’s Corner, SC
BRANCH MANAGER
 Supervised and managed a three person branch office offering wholesale floorplan accommodations to
independent used vehicle dealerships.
09/01/2007 TO 09/12/2013 Ford Motor Credit Company , CSBC Colorado Springs, CO
DEALER CREDIT SPECIALIST
 Reviewed and managed high risk dealership floorplan and loan accounts for the majority of the western
United States. Coordinated the oversight and liquidation of inventory of dealerships in default from
September 2007 until September 2011.
 September 2011 through September 2013, prepare and submit for approval financial condition analysis for
wholesale floorplan, retail/lease portfolio review, capital loans/revolving lines of credit/mortgages for Ford
Motor Company and affiliated dealerships in the Denver, Phoenix and Twin Cities regional market areas.
01/01/2007 TO 09/01/2007 Ford Motor Credit Company, CSBC Colorado Springs, CO
TEAM LEADER- ORIGINATIONS
 Supervised and managed a retail purchase/lease originations four member team of the newly established
Colorado Springs Business Center during Ford Motor Credit Company’s transformation from the branch
business model to the consolidated operations center business model.
01/01/2006 TO 12/31/2006 Ford Motor Credit Company, AAA Branch Denver, CO
DEALER SERVICES SUPERVISOR – FUNDING
 Supervised and managed the retail purchase/lease contract funding department consisting of three Dealer
Service Analysts and Discounters of the consolidated Denver Branch covering the state of Colorado and
portions of Arizona and Wyoming.
04/01/2004 TO 12/31/2005 Ford Motor Credit Company, AA Branch Birmingham, AL
DEALER SERVICES SUPERVISOR – WHOLESALE
 Supervised and managed the wholesale department of the consolidated Birmingham Branch consisting of
two wholesale auditors, two wholesale representatives and the credit package preparation activities of three
Dealer Service Analysts covering the majority of the state of Alabama.
 Responsibilities included wholesale floorplan operations and auditing, review and preparation of dealership

2. financial condition, loan, and portfolio performance reviews and proposals.
04/01/2000 TO 04/01/2004 Ford Motor Credit Company, A Branch Dothan, AL
BRANCH OPERATIONS MANAGER
 Managed the internal branch operations of the Dothan, AL branch office and overall supervision of eight
branch employees. Responsible for the retail purchase/lease credit operations, wholesale floorplan
operations and auditing, review and preparation of dealership financial condition, loan, and portfolio
performance reviews and proposals.
 Assisted the Branch Manager with soliciting and promoting Ford Motor Credit Company services for Ford
Motor Company dealerships and affiliates while developing and maintaining relationships with dealership
finance personnel, managers, and owners.
09/01/1993 TO 04/01/2000 Ford Motor Credit Company, A Branch Bristol, TN
CUSTOMER SERVICES SUPERVISOR / DEALER SERVICES SUPERVISOR
 Supervised the customer service department for the Bristol, TN branch office of four Customer Service
Representatives and one administrative employee. Responsible for managing the branch portfolio for
delinquency, repossession ratio, and credit losses.
 Supervised the dealer services department for the Bristol, TN branch office of one Dealer Service Analyst and
three wholesale employees. Responsible for managing the retail purchase/lease credit operations,
wholesale floorplan operations and auditing, review and preparation of dealership financial condition, loan,
and portfolio performance reviews and proposals.
 Branch Team won newly established “President’s Award” in the first five years of availability.
9/1/1988 TO 9/1/1993 Ford Motor Credit Company, AA Branch Raleigh, NC
CUSTOMER SERVICE REPRESENTATIVE, SR./DEALER SERVICES ANALYST/FIELD REPRESENTATIVE
 Supervised a team of three Customer Service Representatives each managing their own portfolio of
retail/lease customer accounts. Responsible for managing the team portfolio for delinquency, repossession
ratio, and credit losses.
 Review and make decisions regarding retail purchase and retail lease credit offerings while developing and
maintaining relationships with dealership finance personnel, managers, and owners.
 Prepare and submit for approval, financial condition analysis, wholesale floorplan, retail/lease portfolio
review, capital loans/revolving lines of credit/mortgages for Ford Motor Company and affiliated dealerships.
7/2/1983 to 9/1/1988 Ford Motor Credit Company , AA Branch Jacksonville, FL
ASSISTANT CUSTOMER ACCOUNT REPRESENTATIVE / CUSTOMER ACCOUNT REPRESENTATIVE
 Managed a portfolio of retail/lease customer accounts to control delinquency and repossession ratios
within company standards.
 Field work to make contact with retail customers and/or recovering financed collateral.
 Auditing dealership floorplan inventory.
EDUCATION
1983 Florida State University Tallahassee, FL
BACHELOR OF SCIENCE – POLITICAL SCIENCE
MEMBER- FORIDA STATE UNIVERSITY MARCHING CHIEFS – 1980-1982
MEMBER-KAPPA KAPPA PSI- GAMMA NU CHAPTER- HONORARY BAND SERVICE FRATERNITY