This document is a resume for Marcus A. Alvarez detailing his professional experience in finance and management roles over the past 15 years. It highlights his experience underwriting loans and managing credit operations at two finance companies. It also outlines his previous roles in automotive sales management, financing, and internet marketing.

1. MARCUS A. ALVAREZ
Mfivestars07@yahoo.com
705 Sable Trace Ridge Cell: (404)425-8615
Acworth, GA 30102
QUALIFICATIONS
Detailed oriented, bilingual individual with over 10 years of management experience. Extensive knowledge
and experience in networking and relationship building to facilitate company and personal growth.
Consistently meets or exceeds established objectives. Well versed in negotiations with a diverse group of
clientele.
PROFESSIONAL EXPERIENCE
CNAC, Marietta ,GA: July 2011- October 2015
Branch Underwriter/ Finance Manager: RESPONSIBLE FOR MAKING PRUDENT, ACCURATE AND PROMPT
CREDIT DECISIONS WITHIN ESTABLISHED APPROVAL AND EXCEPTION GUIDELINES IN COMPLIANCE WITH ALL
STATE AND FEDERAL REGULATIONS. STRIVE TO ESTABLISH, MAITAIN AND ENHANCE THE CREDIT PRODUCT
OFFERED TO THE CUSTOMER. WORK COLLECTIVELY WITH STORE TEAMTO ENSURE GREAT CUSTOMER
SERVICE AND STORE PROFITABILITY
 Analyze information received from credit applications and credit reporting agencies to make prudent
credit decisions
 Negotiate terms and conditions of loan decisions within established approval/ exception guidelines,
levering risk versus reward to ensure credit quality and profitability
 Conduct real-time customer interviews and investigations on credit applications to gather and
document information pertaining to credit decisions
 Provide excellent customer service at all points of customer contact, internally and externally
 Communicate with Operations Department to examine and evaluate proper documentation for
funding
 Actively participate in regularly scheduled staff meetings to communicate and share trends, policies,
procedures, goals, updates and other pertinent information with associates and managers
 Analyze credit data and financial statements to determine the degree of risk involved in extending
credit or lending money.
SCM Credit, Marietta, GA August 2009-July 2011
Floor Plan Manager/Loan Officer: MANAGE AND FOLLOW SETTLEMENT PROCESS, DETERMINATION OF
INVENTORY STATUS, INVENTORY AND FINANCIAL AUDITING, DATA ENTRY, DOCUMENT PREPARATION AND
ADMINISTRATION, PROVIDE PROCUREMENT SERVICES FOR MULTIPLE COMPANIES
 Managed a staff of six
 Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting
loans.
 Analyze and verify the application to determine the client's creditworthiness;
 Review loan agreements to ensure that they are complete and accurate according to policy.
 Manage over 700,000 dollars in loans and accumulated interest
 Successfully maintain relationships with multiple companies concurrently
 Accurately and effectively provide and enter financial inventory data for each company
 Perform weekly audits of inventory

2.  Accurately calculate interest for inventory to be liquidated
Dealer Operator: August 2008-August 2009
MANAGED AND COORDINATED COMPANY OPERATIONS, PROCESS PLANNING, BUDGET PLANNING,
PAYROLL ADMINISTRATION, LENDER RETENTION, COLLECTIONS
 Reported and provided assistance to the CEO, CFO, and Portfolio Manager
 Created daily reports in MS excel that provided an analysis of cash flow, pending deals, daily inventory
and delinquent accounts
 Increased growth of company portfolio by maintaining relationships with lenders
 Increased profits by providing additional consumer protection products
 Determined consumers’ credit worthiness and matched with appropriate lending institution
Bill Heard Chevrolet, Atlanta, GA July 2003-August 2008
Finance Manager
• Process customer financing fast and efficiently
• Maintain customer satisfaction ratings at or above department objective.
• Assist other finance managers with customers and promote a helpful team environment in the
department.
• Maintain good relationships with salespeople and seek out opportunities to assist in their training.
Floor Manager: SALES, CUSTOMER RELATIONS, NEGOTIATIONS, PERSONNEL MANAGEMENT AND TRAINING
 Consistently generated over 160,000 dollars per month in revenue
 Finalized negotiations to ensure sales
 Acted as a liaison to customers to resolve issues and conflicts
 Trained and managed a staff of 10
 Provided reports to track employees sales objectives
Internet Manager: WEBSITE MANAGEMENT, BUSINESS DEVELOPMENT, SALES, EMPLOYEE TRAINING
 Increased consumer awareness, showroom traffic, and sales by 24%.
 Monitored and updated company website to ensure advertising effectiveness
 Trained and managed a staff of four
EDUCATION:
Degree in Applied Science, Borough of Manhattan Community College July 1993
SKILLS:
Fluent in Spanish
COMPUTER SKILLS:
Windows, Internet, MS Word, MS Excel, Outlook, Arkona, Megasys,Discover, Discover
HONORS:
Salesman of the Year- Bill Heard Chevrolet 2005
REFERENCES:
Available upon request