Karen Whitaker Clark
Nunnelly
Summary
Results-driven professional with a strong background in sales and account management. Successfully managed multi-million dollar portfolios while maintaining zero delinquency rates and expanding dealer networks. Recognized for building lasting relationships with clients and partners to achieve organizational goals.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Area Manager
Westlake Flooring Services
Tampa
01.2019 - 10.2025
- Managed 6.5 million portfolio while ensuring dealer compliance through regular visits.
- Targeted seven to eight new sign-ups monthly to expand dealer network.
- Collected documents and submitted for underwriting to secure final approvals.
- Trained dealers comprehensively post-approval to optimize performance.
- Achieved volume goals in both new business acquisition and existing accounts.
- Maintained delinquency rate at acceptable levels, often at zero percent.
- Drove market growth each month through new dealer acquisitions and organic expansion.
Account Executive
COX AUTOMOTIVE / NEXTGEAR CAPITAL (NGC)
Chattanooga
01.2011 - 01.2018
- Managed $28M portfolio and relationships with vast dealer base of 103 and business partners from independent auctions throughout Tennessee and North Georgia.
- Visited multiple dealers daily to review current progress, discuss financial concerns, and answer questions.
- Followed up daily and weekly with dealers via phone regarding flooring volume and delinquency issues.
- Achieved flooring and revenue goals (on average 600 new loans and $92K revenue per month) and reduced delinquency by expanding market share while maintaining acceptable delinquency.
- Wrote off less than $8K in 1 year and several months with zero losses.
- Added 5-6 new dealers to the market per month ($250K in additional business) through auction leads, referrals, and cold calling.
- Conducted monthly dealer performance reviews with high account risk scores, improving scores 10-15 points to acceptable range within 30 days.
- Developed best practices for pilot market for launch of Rapid Pay (automated way for customers to fund units online).
- Awards: Power Driver Awards and Shining Star Awards throughout tenure for attaining loan and revenue goals and outstanding performance.
- Formerly DSC
Sales Executive
COX AUTOMOTIVE/NEXTGEAR CAPITAL (NGC)
Chattanooga
01.2010 - 01.2011
- Sourced and identified prospects within 4 assigned markets. Followed up on all leads and worked to completion.
- Distinguished as top performer month-over-month for achieving new application and activation goals (10-12 new dealers and 10-12 new activations per month).
- Generated additional business of $250K - $300K by developing strong relationships with independent auctioneers.
- Formerly DSC
Dealer Development Executive
CITIFINANCIAL AUTO
Nashville
01.2005 - 01.2008
- Targeted new dealer clients for dealer finance program. Made weekly visits to current dealers to capture new loan requests.
- Negotiated with branch in solidifying new loans from dealers where warranted.
- Communicated sales promotions to dealers, offering special onsite financing for consumers.
Assistant Branch Manager
AUTO CREDIT OF NASHVILLE
Nashville
01.2000 - 01.2005
- Opened branch initially with 4 employees, growing to a team of 12 high performers.
- Managed collection and loan origination departments and approved and negotiated loans with dealers.
- Expanded dealer base to over 150 active business partners.
- Kept delinquency at 1.5% or under month-over-month.
Education
Skills
- Consultative Selling
- Customer Presentations
- Relationship Building & Management
- Problem Resolutions
- Portfolio Management
- Team Development & Coaching
- CRM
- Salesforce
- Discover
- Field Logic
- Microsoft Office: Word
- Microsoft Office: Excel
- Microsoft Office: PowerPoint
Certification
- Certified Master Dealer, NIADA
- Certified in Challenger Sales Training, Orlando, FL, NGC
Timeline
Area Manager
Westlake Flooring Services
01.2019 - 10.2025
Account Executive
COX AUTOMOTIVE / NEXTGEAR CAPITAL (NGC)
01.2011 - 01.2018
Sales Executive
COX AUTOMOTIVE/NEXTGEAR CAPITAL (NGC)
01.2010 - 01.2011
Dealer Development Executive
CITIFINANCIAL AUTO
01.2005 - 01.2008
Assistant Branch Manager
AUTO CREDIT OF NASHVILLE
01.2000 - 01.2005