JOSEPH ANTHONY C. SAPALO

(0917) 5009401

[email protected]

Executive Summary:

·        An experienced manager  in Consumer Finance Banking (Auto) covering the areas of Sales & Marketing for Dealer and Branch Generated accounts (Financing &  Leasing), Credit Review & Analysis and Documentation.   With a recent and valuable stint from the automotive distributor and dealership sector tasked in generating revenue from Financing, Insurance and Ancillary Service activities.

·         A dynamic and motivated professional with a proven record of building and cultivating relationships, managing projects from concept to completion, and coaching individuals to success. Skilled in building cross-functional teams, demonstrating exceptional communication skills and making critical decisions during challenges.

·         An adaptable and transformational leader with an ability to work independently and developing opportunities that further establish organizational goals.

Personal Information:

Residence Address              :         Blk 2 Lot 14 Sheridan St. Vermont Park, Antipolo City

Date of Birth                      :         17 April 1970

Place of Birth                     :         Manila

Citizenship                        :         Filipino

Religion                            :         Roman Catholic

Sex                                  :         Male

Civil Status                        :         Married

Languages Spoken              :         English & Filipino

Professional Experience:

I.  Company                     :         Auto Nation Group, Inc.

Position                            :         Finance and Insurance, Ancillary Services Manager

Inclusive Date                    :         August 2016 to May 2019

Duties & Responsibilities

–          Managed, directed  and coordinated the F & I operations for the Auto Nation Group, Inc. and its affiliate companies – CATS Motors, Inc. (Mercedes Benz and CJDR – Chrysler, Jeep, Dodge and Ram), CATS Asian Cars Inc. (Mazda), American Motorcylces Inc. (Harley Davidson) and All British Cars, Inc. (Jaguar and Land Rover) and Auto Nation Group, Inc. – Commercial Vehicles (Mercedes-Benz Trucks and Buses)

–          Negotiated with bank and leasing partners for customers’ financing / leasing needs and initiate dealer-bank promotional tie-ups for Auto Nation Group, Inc. as well as its authorized dealers – Mercedes-Benz / CJDR Alabang (Auto Icon, Inc.) and Mercedes-Benz/CJDR Cebu (Global Star Motors, Inc.)

–          Negotiated with insurance companies for best rates and services

–          Headed a team which assisted the Sales Dept. in the credit processing, approval and release of their financing and leasing customers

–          Assisted the Credit and Collection Dept. in the collection of dealer proceeds and dealer income on finance-purchased customers from partner banks

–          Coordinated with the different departments within the company in process improvements for its external and internal customers

–          Conducted trainings and F & I orientation for newly hired Sales Consultants as well as introduction of new F & I products for its Sales and After-Sales Teams

II.  Company                    :         ACE NET CAR MARKETING

Position                            :         Finance Head

Inclusive Date                    :         January 2013 to July 2016

Duties & Responsibilities

–          Directed  and coordinated  financial planning and budget management functions

–          Recommended  benchmarks for measuring economic and operating performance

–          Monitored  and analyzed operating results against target budget

–          Planned and established short and long term goals, objectives, policies and operating procedures

III.  Company                             :         UNITED COCONUT PLANTERS BANK

Position                            :         PRODUCT OFFICER – Manager 1

Vehicle Finance Department

Inclusive Date                    :         April 2007 – December 2012

Duties & Responsibilities

–          Solicited car loan applications from branches, dealers and brokers

–          Managed rates of branches, dealers and brokers

–          Conducted  fieldwork  and presentations to  business centers and  branches for their trainings  and sales calls

–          Formulated dealer and agent promotions to increase volume and yield

–          Approved loan applications within the standards set by the bank.

–          Coordinated with the Documentation Dept. for the timely and complete submission of dealer and client requirements

–          Coordinated with the Credit Dept. in the formulation  and enhancement  of  credit policies

–          Supported   the Collection Dept.  by coordinating with delinquent borrowers and soliciting the help of their respective brokers in the  collection and skip tracing efforts

–          Mentored personnel who are candidates for the bank officers training program

IV. Company                     :         PLANTERS DEVELOPMENT BANK

Position                                      :         PRODUCT OFFICER / FIELD GROUP HEAD –                                                                                                  Senior Assistant Manager – Auto Loans Division

Inclusive Date                    :         February 2006 –  March 2007

Duties & Responsibilities

–          Pioneered  the establishment of  the Auto Loans Dept. of the bank

–          Prepared Service Level Agreements with the different departments of the bank  for the effective  transition of transactions

–          Managed rates of  branches, dealers and brokers

–          Supervised and evaluated the performance of  field sales officers

–          Conducted field calls and product presentations to branches during their area and branch meetings

V. Company                      :         UMC FINANCE AND LEASING CORP.

Position                            :         Account Officer – Assistant Manager

Inclusive Date                    :         September 2001  to January 2006

Duties & Responsibilities

–  Solicited  car loan applications from  dealers and brokers

– Conducted sales calls and presentations to prospective clients for their financing and leasing needs

–  Provided fleet financing  and leasing services for various automotive dealerships

– Assisted in the sale  and disposal of various repossessed collaterals of delinquent borrowers

VI. Company                     :         UNION BANK OF THE PHIILIPPINES

Position                            :         Field Dealer Coordinator – Official Assistant

Inclusive Date                    :         May 1996 to August 2001

Duties & Responsibilities

–  Solicited  car loan applications from  dealers

–  Evaluated and issued outright credit approvals to qualified clients

–  Provided support to bank-approved dealer  promotions

–  Assisted in the sale and disposal of various repossessed collaterals of delinquent

borrowers

VII. Company                             :         BPI-FAMILY BANK

Position                           :         Marketing Assistant

Inclusive Date                    :         August 1992 to April 1996

Duties & Responsibilities

– Solicited car loan applications from  branches, dealers  and brokers

– Provided assistance  and support to assigned field officers

– Conducted pre-evaluation interview of prospective clients and recommended approval to qualified borrowers

– Prepared branch volume, dealer  unsubmitted   reports and notification letters to approved borrowers

– Processed and booked approved accounts

– Coordinated with dealers for the collection of their proceeds and the submission of their collateral documents

Educational Attainment:

Post Graduate                     :        ATENEO DE MANILA UNIVERSITY

Masters in Business Administration

Rockwell, Makati City

Year Graduated – August 2006

College                                  :        UNIVERSITY OF SANTO TOMAS

AB Economics

España St. Manila Philippines

Year Graduated – April 1991

High School                         :        ST.  ANDREW’S SCHOOL

La Huerta, Parañaque City

Year Graduated – March 1987