JOSEPH HOWDEN
Biography:
Security Clearance: Confidential Clearance
Military Experience: 4.5 years
Work Experience: 45.9 years
Work Experience:
Strategic business development leader with 15+ years of experience driving commercial portfolio growth, acquiring new business, and expanding market presence across commercial banking, automotive finance, and consulting. Proven ability to identify high-value prospects, engage decision-makers, structure tailored financial solutions, and exceed revenue targets. Recognized for data-driven market analysis, risk evaluation, and cross-functional collaboration to deliver seamless onboarding and long-term client retention. Veteran team leader with award-winning performance in competitive, fast-paced environments.
Military Service:
Rank: Sergeant
Branch/Position: Army
Period: January 2001 - August 2005
Occupation: 19K - M1 Armor Crewman
Security Clearance: Confidential Clearance
Duties Description:Responsible for operating armored equipment such as the M1A2 Abrams to destroy enemy positions. As part of the tank and armor unit, they are ready to defend our country anywhere in the world; Operate tracked and wheeled vehicles over various terrain; Use communications equipment to receive and relay battle orders; Load and fire guns; Read maps, compasses and battle plans.
Work history:
Job Title: Consultant
Company: Independent Automotive Commercial Consultant
Period: November 2024 - present
Role Description:• C-suite Negotiations and sales
• Identified revenue opportunities for small and large businesses through detailed financial reviews and operational assessments.
• Conducted in-depth analysis of balance sheets, tax filings, and lender relationships to advise clients on strengthening financial health.
• Collaborated with lenders, accountants, and legal teams to negotiate improved terms and optimize financial strategies.
• Developed data-driven recommendations that reduced risk and improved profitability.
• Contract Negotionations
Job Title: Lead Commercial Auto Relationship Manager
Company: Wells Fargo
Period: April 2022 - November 2024
Role Description:• C-suite Negotiations and sales
• Built and expanded mid- to large-market commercial portfolios by sourcing, prospecting, and converting high-value clients.
• Evaluated financial statements, creditworthiness, and collateral to structure competitive banking solutions.
• Engaged directly with business owners and decision-makers to identify needs and present targeted product offerings.
• Drove adoption of treasury, merchant services, and real estate products through cross-functional partnerships.
Job Title: Automotive Retail Management Manager
Company: Wells Fargo
Period: June 2017 - April 2022
Trainings, Certifications and Licences:
- Multiple training courses on leadership, conflict resolution, and communication.
• C-suite Negotiations and sales
• Led field and remote teams in managing complex retail automotive relationships.
• Expanded key accounts through targeted strategies, strengthening client satisfaction and loyalty
• Provided coaching and development to Relationship Managers to elevate sales performance and execution.
• Delivered analytic insights to support organizational initiatives and identify market opportunities.
• Relationship Managment
Job Title: Business Development Representative II
Company: Wells Fargo
Period: January 2015 - June 2017
Role Description:• Managed a portfolio of 41 dealer clients, consistently exceeding volume and risk objectives.
• Prospected new accounts, strengthened pipeline activity, and increased originations.
• Underwrote credit applications and collaborated with funding and collections teams.
• Strategic sales territory growth
• Relationship Managment and building through customer facing
Job Title: Event Manager
Company: Temes Automotive Cunsutling
Period: March 2014 - January 2015
Role Description:• C-suite Negotiations and sales
• Represented the organization at customer-facing dealership events across multiple regions.
• Delivered F&I presentations, supported sales enablement, and increased partner satisfaction.
• Staff training in information sales and service
• Marketing Buidget reviews
• Cold Calling sales and client aquisition
Job Title: Dealer Service Manager
Company: Exeter Finance
Period: May 2013
Role Description:• Expanded dealer participation, increased applications, and drove production through relationship development.
• Sales and territory Managment
• Territory Growth and develpment
• Coaching, training and develpoing of dealer personelle
Job Title: Credit Analyst/ Area Sales manager
Company: Capital One Auto Finance
Period: July 2011 - April 2013
Role Description:Area Sales Manager | 2011–2013
• Strengthened relationships with key dealership stakeholders to increase contract volume.
• Provided training on funding procedures and product features to improve performance.
• Track and manage policy exceptions and risk driven decission making
• Cross sell additional banking products
Credit Analyst | 2011
• Track and manage policy exceptions and risk driven decission making
• Phone Sales and client support managment
• Contract pricing and term negotiation
Job Title: Early Career
Company: Multiple
Period: August 2006
Role Description:Sales Manager — Antelope Valley Volkswagen | 2010–2011
• Rapidly improved dealership ranking and delivered strong sales volume growth.
• Loan Service Counselor — Wachovia Dealer Services | 2009–2010
• Managed high case volumes while maintaining low delinquency rates.
• Event Director — Telesis Automotive Marketing | 2007–2009
• Directed high-impact dealership events nationwide.
• Automotive Sales Professional — Greiner Pontiac Buick GMC | 2006–2007
• Consistently recognized as a top sales performer.
Education:
Purdue Global
Bachelor's Degree – Legal Studies
Period: May 2026 - present
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