Michael Turner

Michael Turner

Work History

Work History
Oct 2004 - Present

Dealer Relations Manager

Chrysler Financial

Currently responsible for increasing revenue and profits by increasing the use of the company's retail and commercial finance products and technology, specifically the acquisition of consumer retail loans and the acquisition and retention of commercial credit lines.

  • Worked in collaboration with senior leadership to develop and design detailed marketing strategies and business plans to sell finance and technology products to a commercial portfolio worth $144 million dollars.
  • Analyzed client financial data to consult, forecast and market finance and technology products; which help to create opportunities for improving financial performance.
  • Facilitated over 500 sales meetings, presentations, and training seminars on the benefits and value of Chrysler financial services and technology products compared to the competition.
  • Designed, implemented, & conducted onsite technology, lease, and customer retention training impacting 68 managers and 70 sales professionals within the Houston region.  
Jun 2003 - Oct 2004

Dealer Credit Analyst

Chrysler Financial

Analyzed legal documents, financial statements, and credit reports of commercial applicants needed to recommend the declination, approval, or continuation of existing commercial credit lines.

  • Worked in collaboration with groups that shared ideas, knowledge, information, resources, and the responsibility of managing the financial risk of a $500 billion dollar commercial portfolio.
  • Reviewed liquidity, solvency, operating, return on investment and equity ratios of each commercial client to determine the level of risk involved and the profit margin that exists.
  • Prepared commercial credit request, closing documents, and reviewed signed legal documents needed to complete credit request.
  • Communicated results of financial reviews to senior management, managed the reporting of credit exceptions and aged receivables.
Nov 2001 - Jun 2003

Retail Credit Analyst

Chrysler Financial

Analyzed and investigated consumer credit applications and credit bureaus to acquire a quality mix of consumer auto loans while minimizing losses.

  • Developed retail buying strategies, promoted the use of retail finance products, monitored the percentage of approved retail applications booked for a commercial client territory.
  • Handled objections and disputes in a timely manner and negotiated win-win scenarios on credit application submissions.
  • Provided consultative training on various retail and lease finance products to key personnel within the organization.
  • Reviewed the retail losses of each commercial portfolio and modified retail buying strategies accordingly.
Oct 2000 - Nov 2001

Center Development Manager

Chrysler Financial

Provided learning and development training to Chrysler Financial employees and managers designed to enhance individual and organizational performances; increase the attractiveness of Chrysler Financial as an employer of choice; and increase the company's overall customer satisfaction and collection of delinquent consumer auto loans.

  • Strategically executed the alignment of the training department to achieve organizational goals.
  • Delivered learning solutions requested by senior management to train new employees on the fundamentals of collections, customer service, and proprietary computer technology.
  • Designed training curriculums in concert with senior management to ensure consistency and quality of training meets organizational goals.
  • Delivered custom training programs to help implement process changes and assisted in rollouts of new business operations.
Nov 1999 - Oct 2000

Collections Supervisor

Chrysler Financial

Managed a team of employees responsible for the collection of delinquent retail and lease auto loans.

  • Provided leadership, training, and coaching to 10 employees designed to minimize past due auto loans and maximize collection of loans within contract terms.
  • Handled tough negotiations with delinquent customers that provided win-wins for the customer and Chrysler financial.
  • Conducted employee reviews, metrics and monitored the goal achievement of each team member.
  • Reported delinquency trends to senior management with recommendations for retail buying strategy changes when necessary.


2008 - Present


Currently pursuing an MBA with an expected graduation date in 2011.

1990 - 1995

Bachelor of Science

Southern University and Agricultural and Mechanical College at Baton Rouge



Executing for success

Develop strategic and persuasive presentations that accelerate the accomplishment of sales goals. Demonstrate a strategic thinking process and use relevant tools to prepare and present highly effective fact-based presentations. Demonstrate value to clients and internal management by giving well-planned, powerful and persuasive external and internal presentations. Effectively explain the overall purpose of each sales call and the follow up process to the client.  

Value Added Negotiation

Develop negotiation steps including how to analyze the situation, determine values to trade and elect tactics to use. Discuss shared interests to set the stage for negotiations. Utilize high gain questions to surface positions and interests of the client. Utilize collaborative style and tactics to achieve both company goals and meet the client's needs.

Cash Flow Analysis

Evaluate the financial strengths, weaknesses, opportunities, and threats of a client. Understand the impact of financial data to the overall success of the client. Explain how working capital, financial trends, and balance sheet ratios are impacted through utilization of Chrysler finance and technology products versus competitors. Describe possible trouble situations and address possible solutions with client. Analyze financial statement data to determine how much cash is available to service debt.

Building Relationships & Handling Tough Conversations

  Assess relationships with clients using the Hierarchy of Relationship model. Establish credibility by being reliable, assuring, presenting tangible benefits, and showing empathy  to client. Understand and adapt to the personal styles of each client. Ask effective high gain questions that get to the root cause of a client's objections or concerns. Utilize sales and market data to recommit clients to an agreed upon arrangement. Deliver tough decisions in a way that maintains a healthy relationship. Handle difficult negotiations that achieve win-win outcomes for the client and Chrysler Financial.  

Consultative Selling

  Demonstrate customer-focused attitudes and beliefs when handling client objections. Utilize high gain questions to obtain detailed information about the client needs, goals, and sales objectives. Translate finance product features into client-specific benefits. Prepare and present tailored sales presentations based on the client's needs, goals, and sales objectives. Develop business plans that increase product utilization and profitability for both the client and Chrysler Financial. Present sales data in a way that keeps the client's attention and persuades them that our finance products will increase their profitability.