1. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
Career Summary
A fully bilingual (English and Spanish) professional with over 20 years of experience in the Captive Finance and Customer
Service Industry (Auto Financing) at a Supervisory or Management level. Through analytical hard work, knowledge and superior
results and achievements I have been continuously promoted and awarded with the opportunity to manage and direct the
departments of Credit, Sales, Collections, Wholesale, Purchasing and Repossession handling and disposal through sale. Reliable
Financial leads the auto financing industry in Puerto Rico with a 27% Market Share.
Experience
Marjet Auto Sales (Tampa, Florida) January 2016 – Present
 Owner
o Used Car Sales
Reliable Auto, Inc. a Subsidiary of Wells Fargo April 2006 – December 2015
 Assistant Vice President (Reliable Auto) April 1 2012 – December 2015
o Recipient of the 2014 Employee of the Year Award.
o 2014 Department of the Year Award
o Direct the operations of the repossession lot and all auction sales, (15 associates including the Manager and 2
Supervisors).
 Sales - Averaging over 700 vehicles sold per month (Auction Sales and Repo Lot)
o Sales - Developed and maintained a network of over 100 dealers that purchase units at our repo lot.

2. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
2
o Preparation of annual budget for the repossession lot.
o Hiring of individuals
o Appraise and sell repossessed units to auto dealers.
o Negotiate rates with vendors.
o Forecast analysis and work plan to achieve it.
o Working with the Executive Vice President/ COO side by side to carry out special projects, business processes
reengineering, credit policies and strategies.
o Analyze the performance and results of credit, repossession, collections and other departments and sharing my
findings and recommendations with the EVP & COO.
o I have developed system improvement concepts and dozens of new reports for the credit and the repossession
departments to streamline processes and facilitate the analysis of results and data.
o Oversee fraud prevention process within the credit application process as well as during the purchasing
and post purchasing process. I have been commended for my findings and subsequent new procedures
and changes to the system that guarantee a rock solid system and guidelines to help substantially
minimize the chance of fraudulent credit applications.
o Maintains the Manual of Operations updated, also being the liaison to Internal and External Auditors.
o Provide feedback to the credit and collection departments upon completion of audits in order to minimize risk
making sure we are in compliance with Federal and State regulations and laws as well as company policies and
guidelines.
o In charge of continuous audits of Credit decisions and patterns made by 32 Credit Officers of all branches on
applications for auto financing to ensure compliance with internal policies and federal guidelines. Making sure
credit decisions are financially safe while maintaining a competitive edge that has kept us in the #1 spot
of the island’s Market Share (30% MS) and a $1.87 billion portfolio. As a result of those audits I have had
to recommend the re-training, coaching, internal policy and procedures sessions and in some cases firing of
few associates and the end of some dealerships retail agreements.
o In charge of dealership buybacks for fraudulent deals.

3. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
3
o Audits on insurance cases and claims within the Repossession/ Recovery process in order to minimize losses.
o $75,000 Lending with Exceptions Authority for deals that have been declined or condition ed by our Credit
Analysts or those that exceed the Credit Analysts lending authority.
o Prepare statistical reports of the volume of business achieved, recoveries, Credit Analysts and dealership
performance. Then make recommendations to help in the set of goals.
o Help with the credit training of newly hired Marketing Representatives.
o Recommend and help with the implementation of new credit policies and procedures.
o Assist the EVP & COO with special projects and assignments that have a direct impact on the operations, goals,
strategies and needs of the branches of Isabela, Ponce, the main office and the repo lot.
 Credit Operations Manager (Promotion-Reliable Auto) September 2010 – March 2012
o 2010 Department of the Year
o Supervised the Repossession Lot operations, over 40 associates including the Repo Lot Manager, Repo Lot
Supervisor, Repo Lot Coordinator and Purchasing Department Supervisor.
o As a result of my new procedures and marketing strategies we were able to maximize revenues, therefore
minimizing losses in the repossession lot recovery operations.
o Directed the Purchasing department at the San Juan Branch processing over 2,500 contracts every month.
Making sure we comply with policies and guideline while carrying out top of the line service to dealerships and
consumers.
o 28 out of 31 months while I was in in charge of the department, we increased the number of contracts, net and
gross dollar purchases when compared to the same month of previous year.
o The department increased the purchasing volume and efficiency every year I was directing the department
 CY 2010 vs CY 2009 – 22% increment of purchased contracts

4. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
4
 CY 2011 vs CY 2010 – 8% increment of purchased contracts
o Conducted audits on credit decisions and also making credit decisions, approving exceptions and high lending
credit applications beyond the Credit Officers limit.
o Preparing statistical reports related to Credit decisions made by Credit Officers, exceptions made and assisting
the Retail Credit Manager guidance on Credit Officers and Dealerships trends.
o Developed new reports to measure productivity among the Purchasing Department.
o Assisted the Collection Department Manager and Managers of the branches with many issu es regarding Credit,
Purchasing, Repossess units, collection and investigative issues regarding frauds and delinquent accounts (skip
traces).
o Worked with auditors in requests and audits.
o Responsible for the achievements of goals set within the purchasing department and Repo lot, disposing units
in a timely manner and maximizing sales in order to reduce losses.
o Prepares and discusses Performance Appraisals, Goals, etc.
 Retail Credit Manager (Promotion – Reliable Auto) November 2009 – September 2010
o We increased the volume of credit applications approved every single month, thus resulting in an increase
of volume of contracts purchased while increasing the quality of the processes (and the quality of the
bookings). Delinquency and losses in the repo lot dropped substantially.
o Supervising 20 Credit Officers at the San Juan Branch.
o Maintain existing and build new dealer relationships.
o Auditing the Credit Officers decisions and preparing statistical reports of their decisions, exceptions, dealer ’s
performance, and trends.
o Preparing and setting goals of production and quality of decisions and contracts by Officers, regions and
dealers.

5. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
5
o Making sure we maintain high levels of compliance with regulations and procedures. Preparing schedules for
the Credit Officers, assigning them to work regions and special events. Making sure we achieve goals of
productions and minimizing spending.
o In charge of maintaining a log of suspected frauds.
o In charge of the hiring of new Credit Officers. Hiring and training of Credit Analysts.
o $75,000 Lending with Exceptions Authority for deals that have been declined or conditioned by our Credit
Analysts or those that exceed the Credit Analysts lending authority.
 Repo Lot Manager April 2006 – November 2009
o 2008 Department of the Year
o Appraise and sell units to auto dealers.
o I was appointed as the Repo Lot Manager during the 2006 financial crisis in Puerto Rico. The average inventory
of repossessed units was just under 1,400 units.
o From 2007 to 2009 the department improved performance in two critical areas, Losses per Unit Sold and
Inventory:
 Average Units on Inventory
 CY 2006 – 1,384 / CY 2007 – 1,240 / CY 2008 – 697 / CY 2009 - 606
 Loss Per Unit Sold
 CY 2006 - $4,450 / CY 2007 - $4,378 / CY 2008 - $3,883 (11.31% reduction) / CY 2009 -
$3,679 (5.25% reduction)
o In Charge of a lot storing repossessed vehicles. Disposing of the units through auction or by direct sales to
dealerships.
o Providing top of the line service to dealerships and consumers.

6. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
6
o Meeting and achieving goals established for the sales of units, the collection of Insurance claims.
o Preparing statistical reports to help us identify trends of losses and repossessions by dealers or Credit
Officers.
o In charge of the facilities of the repo lot, maintaining goals for spending low.
o Hiring of new employees.
o In charge of 2 Supervisors and 9 other associates.
o Preparing and discussing goals and Performance Appraisals. In charge of the hiring of new personnel.
o Maintain an inventory that fluctuated between 600 and 1,300 cars with an appraised value of 8 to 11 millions
of dollars.
o Negotiate rates with vendors.
o Working with vendors and the outside Company that runs the auctions to improve service and always looking
to negotiate better deals for Reliable Auto.
o Conducted investigations of consumer claims for repossessed units and following tips provided by
employees, vendors and in some cases anonymously related to vandalism or stolen parts. In charge of the
fleet of Company Cars for the entire company and the disposal of these units (selling them).
Metro Toyota Dealership October 2005 – April 2006
 Sales Manager
o Every single month the dealer finished 2nd in sales among 23 Toyota dealerships in the island. We had 2
stores and the number 1 dealer had 3.
o Supervised and trained 12 Sales Associates.

7. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
7
o Handling of the commissions earned by the Sales Associates. Kept track of the inventory of new and used cars
for sale.
o Responsible for the sales of new and used vehicles, services, products and Insurance related products for a
dealer ranked #3 in sales in the island.
o Responsible for the direct negotiation with lenders officers to get prospects qualified for the purchase of new
and used units.
o Responsible for the Truth in Lending and making sure that all contracts are ready to be purchased by the
lenders (banks) in a timely manner.
Toyota Motor Credit Corporation January 1997 – September 2005
 Area Sales Manager (Promotion) Sept 2003 – Sept 2005
o Direct Sales and Service liaison between all TFS departments, Toyota/Lexus/Scion dealers and the distributor,
concentrating on Market Share and the profitability of TMCC and dealers.
o Built and maintained rapport and relationships with dealer personnel, Principal and Management Teams.
Monthly research of competitors programs, rates and incentives that supported the entire Toyota network of
dealers. Monthly and annual strategies of Sales, programs, rates and incentives for dealers.
o Instrumental member of a team within the organization that helped position TMCC in San Juan Puerto Rico in
the number 1 position for Toyota Market Share in the island. Market Share for FY was 34%.
 Credit / Wholesale Supervisor (Promotion – Toyota Motor Credit Corporation) June 2000 – Sept 2003

8. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
8
o Member of the committee in charge of the review (financial statements and other documents) and approval of
new floor plan credit lines requests and the renewal of existing ones.
o Supervised 10 associates including Analysts for Credit and Wholesale.
o Hiring of new employees.
o Conducted Performance Appraisals, training and recruitments of new hires. Auditing the Credit Officers
decisions and preparing statistical reports of their decisions, exceptions, dealer’s performance, and trends.
o Preparing and setting goals of production and quality of decisions and contracts by Officers, regions and
dealers.
o In charge of the floor plan Credit, Revolving and Working Capital lines for 10 dealers with assets of over
75 million dollars.
o Assisted the collection department and Repo disposal personal as needed. Conducted audits at dealers with
lines of Credit.
o Hiring and training of new Officers.
 Collection Supervisor (Promotion – Toyota Motor Credit Corporation) January 1999 – August 2000
o Maintained delinquency under 6% vs 10.50% for the industry in Puerto Rico.
o Supervised, trained and prepared Performance Appraisals for 15 associates.
o Monitored trends and prepared statistical reports of delinquent accounts by regions and dealers. Worked on
fraud deals, bankrupt accounts and skip traces. Participated in the hiring process.
o Established new controls and procedures for field collectors. In charge of the disposition of repossessed
vehicles.
o Maintained Collections procedures up to date. Conducted audits and worked with external auditors with their
requests. In charge of the fleet of Company Cars and the petty Cash of the office.
o Prepare statistical reports of the volume and quality of collection calls to customers.
o Maintained relationships with vendors and review bills for services provided to our company.
o Developed and implemented company policies adhering to new state regulations on Self Help procedures.

9. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
9
o Hiring and training of new Representatives.
o Assisted with Credit Decisions during peak hours
o Hiring of new employees.
 Customer Account Representative January 1997 – December 1998
o Conducted field collections as wells an internal collections for delinquent accounts.
o Worked with customers in payment plans to bring accounts currents. Conducted repossessions. Provided
customer service.
o Helped with new procedures as TMCC had just arrived to the island of Puerto Rico beginning operations in
August 1996.
General Motors Acceptance Corporation November 1993 – January 1997
 Credit Representative (Promotion) January 1996 – January 1997
o With only 25 months of employment I was promoted to supervise associates that had been with the
company for over 15 years.
o Supervised 12 associates that included internal and external collection associates.
o Assisted with skip trace efforts and audits at dealers.
o Review of wholesale audits at dealers with lines of credit. Ensuring that collection practices met procedures.
 Collection Officer November 1993 – December 1995
o Made Collection efforts for delinquent accounts, collecting full balances, making payment arrangements and
plans and repossessing vehicles when necessary.

10. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
10
o Conducted wholesale audits at dealers with lines of credit. Provided customer service to our consumers.
US Army (Honorable Discharge) October 1990 – November 1993
 Logistical Specialist (92 Alpha)
o Worked in a Warehouse meeting the demands and needs of deployed units in Germany and in California.
o Arranging for parts and/or equipment to be ordered and delivered to units stationed in the field or in other
posts. Maintaining inventory.
Education
Various Universities
I have completed approximately 75 credits in many universities in Puerto Rico and in campus within Armed Forces Bases in
Germany and Ft Hunter Ligget California.
Over 50 certifications (courses and trainings) during the 20 years span of experience working in the Auto Financing Industry.
Achievements
I have been promoted many times throughout my professional career as a result of my dedication, commitment, loyalty, skills,
hard working attitude, motivation, analytical skills and results upon goals established.
Awarded with a Coin By a Brigadier General as I was selected the Best Soldier of the Company while stationed in Germany.
Skills
Goal Setter and achiever
Never stop self-education, books, seminars, blogs, articles, videos, etc.

11. Jethro Delgado
Phone: 813-765-0090  10205 Majestic Palm Circle Apt 104 Riverview, Florida 33578
E-Mail: jethrodelgados@gmail.com
11
Able to work many tasks under pressure without errors and limited time to complete them
Excellent analytical and investigative skills
Organized, Hard Worker, Dedicated, Loyal, Discrete
Fully bilingual in Spanish and English
A Leader capable of directing and training large staffs of people
Problem Solving, Budget
and Goal setting
Preparation of Statistical Reports
Proficient in the use of Word, Excel and Powerpoint documents