yyyyyy x. yyyyyy                                                    0000 xxxxxx xxxx , xxxx , xxxxx 00000

                                                                                                                  (xxx-xxx-xxxx [c]    ( xxx-xxx-xxxx                                                                                                                                                 abc@xyz.com

 

objective

performance-driven manager with expertise in the credit and collection industries eager to contribute talents toward supporting the employer in maximizing results

career profile

ø over ten years of successful credit and collection experience.

ø b.s. degree.

ø strength in consumer lending and portfolio management.

ø knowledgeable in collecting and analyzing credit information.

ø deliver exceptional customer relations.

ø broad ranging background in all facets of effective collections.

ø coordinate with multiple departments to improve financial operations efficiencies.

ø facilitate financial service and loan origination.

ø assess client financial needs and requirements.

ø skilled consultant and advisor.

ø proven problem-solving and troubleshooting capacity.

ø record of progression to positions of increasing authority and responsibility.

ø strong focus on quality operations and meeting organizational objectives.

ø effectively interact with diverse groups and professionals at all levels.

ø well-organized multi-tasker with strong detail orientation.

ø adept in aligning credit/collection contributions with organizational objectives.

ø enthusiastic team leader.

ø  creditors international, life member

 

professional experience

crescent jewelers, oakland/alameda, suisun, ca                                                                          1995 c 2008

director of credit (1999-2008)

         recruited to direct daily, weekly and monthly credit/collection operations.

         managed decentralized credit/collection program with 180 retail units and a $100mm portfolio.

         substantially enhanced technologies performance by strategically designing and implementing customized credit and collection programs for company store level pos and as400 back office systems.

         directed charge-off processing, analytics and assignments.

         conducted in-depth analyses/audits of third party collection agencies.

         originated breakage/collection results by age code and first payment defaults.

         held authority for approval and decline results including declination sales impacts.

         monitored third party credit provider results covering application and approval analyses.

         administered payment processing, statements, privacy policy and declination mailings.

         spearheaded development of new team of collectors to manage parent company, friedman s jewelers, portfolio.

         developed and launched risk model-based guidelines for credit approvers in new centralized environment.

 

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         initiated, planned and executed centralization of credit/collections for 123 stores into new call center.

         planned and oversaw call center yearly budget.

         supervised 50 employees and supervisory staff.

         originated critical company policies/procedures covering credit and such issues as automatic payments, in store credit approvals/limits, collections, warranty and credit insurance sales for decentralized credit program.

         launched and delivered company-wide training meetings for credit insurance sales and pre-market appraisals.

         orchestrated highly successful third party credit program.

         initiated subsequent balance transfer opportunity for consumers.

         negotiated and managed one time and go forward flow sales of charged off accounts.

 

 

earlier background

prior to 1999, served crescent jewelers as vault manager and store manager.  in these assignments, built outstanding credit, collections, operations, team leadership, qa, loss mitigation and problem-solving skill sets.

 

 

education

central washington university, ellensburg, wa

bachelor of science, 1991

 

yakima valley community college, yakima, wa

associate in arts and science, 1989