Pedro Pagan

Carolina, PR

currently: Here to network

Work history

Reliable Financial Services November 2004 to the present
Credit Officer

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How would you describe your time at Reliable Financial Services?

* Eight years of experience (Three with Reliable Financial and Five with Ford Motor Credit) evaluating and processing credit applications for individuals and/or companies soliciting vehicle-financing services, with emphasis on risk control.
* Dealt directly with the Marketing Department and F&I managers building business relations.
* Maintained delinquency and repossession/loss ratios within company policy.... read more
Ford Motor Credit Company July 2002 to November 2004
Risk Analyst

How would you describe your time at Ford Motor Credit Company?

* Preparation, analysis and structuring the scorecards used in the credit evaluation process.
* Monitored the development of the full credit cycle and identified tendencies, make recommendations as well as monthly preparation of a presentation to communicate the results.
* Conducted credit investigations and specialized tasks to assist senior management in the analysis, evaluation, preparation and supervision of all branch credit files. Recommended appropriate credit limits based on client history and business forecasts.
* Analyzed financial and cash flow statements as well as key indicators to detect any irregularities that may affect dealer's repayment plan regarding their wholesale.
* Responsible for the preparation of legal documents required in the acquisition of a new Class I dealer. Monitored portfolios, including complex dealership groups, revised credit lines, financial statements and identified "high risk" indicators to protect company wholesale and retail receivables.
* Prepared residual values for programs including Red Carpet Plan and Buyer???s Advantage Plan.
* Responsible for the preparation of credit packages for wholesale lines to dealers and daily rentals.
* Developed proposals for new marketing programs including projections and financial impact.... read more
Ford Motor Credit Company August 2001 to July 2002
Collections Supervisor

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How would you describe your time at Ford Motor Credit Company?

* Directed, monitored and ensured collection operations were aligned with established objectives and customer satisfaction goals relating to vehicle loans.
* Leaded all efforts to facilitate operational efficiency through the supervision, coaching and performance evaluation of customer service representatives and external collection agencies.
* Key decision maker determining case referral for legal processing, unit repossession and establishment of losses.
* Prepared reports for headquarters; developed action plans; established performance incentives, evaluations and dismissals; and mapped strategies for continuous decrease in delinquency levels.
* Active participant on Management Committees in collaboration with Operations Manager to define business strategy; link with the Credit and Marketing Departments to ensure credit policies and initiatives meet corporate standards; and serve as advisor evaluating programs and incident reports related to day-to-day services.
* Developed a structured program to track the external collections agencies efficiency.... read more
Ford Motor Credit Company June 1999 to August 2001
Financial Analyst

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How would you describe your time at Ford Motor Credit Company?

* Experienced in the preparation of monthly statements, forecasts and business plans.
* Managed the pricing and product programs, review, analyze and report of proposals; support the sales & marketing staff; ensure that profitability goals are met; serve as financial liaison to other divisions.
Ford Motor Credit Company August 1997 to June 1999
Business Systems Analyst

How would you describe your time at Ford Motor Credit Company?

* Served as a liaison for technical support between local operations and the IT department.
* Improved accuracy on terminations and Lien Perfection by developing a mechanized process.
* Effectively coordinated several systems and network upgrades without disruptions to business.
* Assisted employees in the identification of business requirements and the development of long range plans, projects and / or programs.... read more

Education

Master's Degree in Advertising

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Bachellor's Degree in Marketing

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