Richard Broadway
Virginia Beach
Summary
Results-oriented finance manager skilled in negotiating favorable loan terms and enhancing customer understanding of financing options. Experienced in building strong relationships with banks and credit unions, contributing to reduced funding delays and increased customer satisfaction.
Overview
14
14
years of professional experience
Work History
Finance Manager
Hall Automotive
Virginia Beach
02.2021 - Current
- Structure and finalize vehicle purchase deals by reviewing credit applications, running bureaus, and selecting optimal lenders.
- Negotiate loan and lease terms to balance customer affordability and dealership profitability.
- Explain financing details clearly to ensure full customer understanding of terms.
- Maintain and grow relationships with banks, credit unions, and financing companies.
- Submit applications and secure approvals that meet customer credit profiles.
- Present and sell F&I products including extended warranties, GAP coverage, tire & wheel, service contracts, and protection packages.
- Customize product menus to match customer needs while maximizing per-unit retail (PVR) and product penetration.
- Build trust with customers through clear explanations and transparent communication.
- Reduce funding delays by proactively resolving stipulations and lender conditions.
Sales Associate
Hall Automotive
Virginia Beach
03.2019 - 02.2021
- Greet customers, assess their vehicle needs, and provide knowledgeable guidance on product features, trims, and pricing.
- Build rapport and establish trust to create a positive buying experience and long-term customer relationships.
- Conduct test drives while highlighting key performance, safety, and technology features.
- Present and explain vehicle pricing, purchase options, and trade-in values.
- Work with customers to overcome objections and move toward purchase decisions.
- Maintain up-to-date knowledge on new inventory, vehicle specifications, warranties, incentives, and manufacturer programs.
- Meet or exceed monthly sales goals, CSI (Customer Satisfaction Index), and product conversion targets.
Store Manager
Rack Room Shoes
Springfield
11.2016 - 10.2017
- Managed daily store operations and ensured smooth workflow.
- Trained and mentored staff on customer service best practices.
- Oversaw inventory management and organized stock replenishment.
- Implemented visual merchandising standards to enhance product displays.
- Led team meetings to communicate goals and expectations effectively.
- Resolved customer inquiries and addressed concerns promptly.
- Coordinated staff schedules to optimize coverage and efficiency.
- Recruited, trained and supervised new employees.
- Conducted daily store operations, including opening and closing procedures and cash handling.
Assistant Manager
Rack Room Shoes
Virginia Beach
08.2011 - 10.2017
- Assisted in daily store operations and ensured efficient workflow.
- Managed inventory levels and maintained product displays for optimal sales.
- Trained new employees on company policies and customer service standards.
- Resolved customer inquiries and complaints to enhance satisfaction experience.
- Collaborated with management on sales initiatives and promotional events.
- Managed customer service inquiries and complaints in a timely manner.
- Provided guidance and support to junior staff members on daily tasks, projects, and objectives.
- Collaborated with management on developing strategic plans for achieving business goals.
Education
High School Diploma -
Bayside High School
Virginia Beach06-2011
Skills
- Credit analysis
- Loan negotiation
- Deal structuring
- Risk assessment
- Customer relationship management
- Compliance regulation
- Effective communication
- Profit & Loss / Per Vehicle Retail (PVR) Optimization
- Lender & Vendor Relations
- F&I Product Sales
- Dealership Management System (DMS): CDK, Reynolds & Reynolds, Dealertrack
- CRM Workflow & Lead Coordination
- Microsoft Office (Excel, Word, Outlook)
- Time Management & Workflow Efficiency
Timeline
Finance Manager
Hall Automotive
02.2021 - Current
Sales Associate
Hall Automotive
03.2019 - 02.2021
Store Manager
Rack Room Shoes
11.2016 - 10.2017
Assistant Manager
Rack Room Shoes
08.2011 - 10.2017
High School Diploma -
Bayside High School