Michelle Evelyn Stolz

● Manage the complete vehicle finance and insurance (F&I) process, from customer application through to finalisation and vehicle delivery.

● Prepare and present finance proposals, repayment structures and insurance products to customers, ensuring solutions are aligned with their requirements and affordability.

● Liaise with banks, finance institutions and insurance providers to secure competitive approvals and facilitate smooth deal progression.

● Ensure all finance and insurance documentation is accurate, complete and compliant with company policies, regulatory requirements and financial institution standards.

● Conducted thorough credit applications and affordability assessments, ensuring identification of suitable finance options for customers.

● Maximised F&I income and profitability by effectively presenting value-added products, including service plans, warranties, insurance, and other approved ancillary products.

● Work closely with vehicle sales executives, management, banks and support departments to resolve queries and ensure transactions are completed efficiently.

Achieved compliance with F&I procedures, POPIA, FAIS/NCA requirements and internal Motus standards.

● Identify and address discrepancies in documentation, pricing, finance figures and deal structures before final submission.

● Maintain accurate records and ensure all deals are audit-ready and processed within required turnaround times.

● Contribute to achieving monthly finance penetration, product penetration, gross profit and dealership targets.

● Handle customer queries and objections professionally, negotiating appropriate solutions while protecting dealership profitability.

● Supported sales team with finance structuring, deal optimisation, and product knowledge to enhance conversion rates and customer satisfaction.

• Negotiated rates with banks post-validation to secure competitive financing terms.
• Uploaded and submitted applications to all major banks for vehicle finance.
• Facilitated client discussions to secure approvals for vehicle finance options.
• Prepared deal files for delivery and trade-in documentation accurately.
• Signed up clients under supervision for online and manual processing.
• Submitted payout documents to banks to initiate payouts efficiently.
• Sold short-term insurance and value-added products (VAPS) to clients.
• Initiated insurance for clients upon request to meet their needs.
• Prepared licensing and registration documents for vehicles.
• Managed dealer stock documents for registration purposes.
• Drafted purchase agreements for vehicles acquired to ensure compliance.
• Captured supplier documents to enhance financial documentation.
• Developed purchase orders effectively to facilitate procurement.
• Organized customer documents to ensure precise record-keeping.
• Processed salary journals to maintain payroll integrity.
• Reconciled ledger accounts to uphold financial accuracy.
• Generated daily delivery lists and performance trackers to monitor operations.
• Engaged clients regularly to strengthen relationships and foster trust.
• Communicated effectively with team members to ensure smooth operations.

• Captured supplier documents to facilitate accurate accounting.
• Reconciled cashbooks to maintain reliable financial data.
• Reconciled ledger accounts to uphold accuracy within financial statements.
• Calculated and reconciled VAT to ensure tax obligations were met.
• Submitted VAT returns via e-filing (VAT201) for compliance purposes.
• Submitted monthly statutory returns via e-filing (EMP201) to maintain compliance with tax regulations.
• Processed salary journals to maintain payroll accuracy.
• Recorded cashbooks meticulously to reflect financial transactions.
• Compiled supplier invoices with backup documentation to ensure timely payments.
• Provided management with management accounts for strategic decision-making.
• Provided management with accurate management accounts to support strategic decision-making.
• Filed returns of earnings to Workman's Compensation for statutory compliance.
• Filed returns of earnings to Worker's Compensation for statutory compliance.
• Captured customer invoices effectively to enhance billing processes.

• Reconciled general ledgers to ensure financial accuracy.
• Oversaw stock control to optimize inventory management.
• Processed weekly wages for 49 employees, managing approximately R200,000 per week.
• Processed monthly salaries for 33 employees, overseeing approximately R750,000 per month.
• Processed salary journals to maintain payroll integrity.
• Administered creditor accounts for 220 COD suppliers and 89 30-day accounts, managing total liabilities of R10,874,823.85.
• Generated monthly VAT reports and reconciliations to comply with tax regulations.
• Generated monthly VAT reports and reconciliations to ensure compliance with tax regulations and accuracy in financial reporting.
• Created purchase orders to manage procurement effectively.
• Prepared customer documentation for deliveries accurately.
• Processed quotations to facilitate sales operations.
• Managed daily time office functions for 82 employees to ensure operational efficiency.
• Handled staff expense claims submitted by sales executives accurately.
• Cultivated guest relations with directors from India to enhance business partnerships.

• Executed debt collections to ensure account recovery.
• Managed customer invoicing, ensuring timely billing and contributing to consistent revenue flow.
• Executed debt collections, achieving successful account recovery and minimizing outstanding debts.
• Handled recovery accounts for hired aircraft with efficient resolution.
• Reconciled accounts to maintain financial integrity.
• Reconciled landing fees, Pax tax, ATNS, and SAWS to comply with regulations.
• Processed passenger quotations for accurate billing.

• Processed quotations to improve client service delivery.
• Managed client invoicing to ensure prompt payments and cash flow.
• Conducted debt collection to minimize outstanding accounts.
• Processed quotations efficiently to enhance client service delivery.
• Captured supplier and customer invoices to streamline accounting processes.
• Facilitated processing of purchase orders to maintain stock levels.
• Oversaw purchasing of stock to align with business needs.
• Captured supplier and customer invoices to support accurate accounting.
• Organised source document filing for easy accessibility.

• Managed cash book entries and petty cash to maintain precise financial records.
• Managed cash book entries and petty cash, ensuring accuracy of financial records.
• Executed filing systems, streamlining organisational workflows.
• Created and loaded invoices on Pastel for streamlined financial processing.
• Executed efficient filing systems to enhance organisational workflows.
• Performed e-filing to comply with tax regulations.
• Captured invoices to support accurate financial reporting.