Anthony F. Costantini Email & Phone Number

3300 Brighton Road Pittsburgh Pa 15212

Greater Pittsburgh Area

Greensburg, Pennsylvania

• Hired to analyze and assess if aged P.A. Branch could become profitable and report back to owners. • Lowered delinquency by 1.5% in six months by instilling a new collection process that brought cross training and consistency throughout the office. • Reorganized the repo liquidation process that increased Sale proceeds of inventory by 15%.

1200 Saw Mill Run Blvd.

Cannonsburg Pa

Protecting assets and lifestyles for Union Members and their family's...

Myrtle Beach, Sc

Hired to Open, expand, and sustain a Sub-Prime Auto Finance company. Maximizing financial performance of the office with direct accountability for new business development via sales calls to dealerships. Oversee all functions of the office, including all front and back end responsibilities, calculating and analyzing monthly profit figures, all financial and reporting activities, and responsible for all Direct and Indirect loan application approvals/denials by directly signing up each customer in the office. Oversee collections of all delinquent accounts while maintaining <3% 30+ delinquency and a 15% or less delinquency on all current customers

Opened, expanded, and sustained 6 profit-generating Florida offices (Tampa, Clearwater / St. Petersburg, Orlando, Tallahassee, Kissimmee, and Sarasota) for a subprime auto financing company. Maximized financial performance of each office while maintaining < 3% delinquency rate by assisting and training each office's staff, consisting of a manager, administrative assistant and collector(s) / customer service reps with daily responsibilities. Ensured business activities complied with all Florida laws.Overview: Opened 6 offices including company’s largest and fastest growing office in Orlando. Overcame multiple challenges including major construction problems, under-trained branch managers appointed by higher management and resignation of Executive VP immediately before opening the state of Florida. Key achievements:Boosted sales volume 10% per month by cultivating major dealer group in Tampa and Orlando comprised of 6 dealerships. Signed 2nd largest public dealer group (Asbury Auto Group) in the nation and gained priceless connections that opened doors for future business as well as all future offices nationwide.Developed turnaround plan for Tampa and Orlando office that had fallen behind on business and collections by implementing effective procedures and thoroughly training manager, collectors and administrator on said processesCreated new strategic Collections Manager position that covered all 6 locations’ 90+ accounts and saved approximately $170K per year in skip tracing fees.

Branch Manager--Concord NCPromoted to start-up and lead efficient daily operations of Concord, NC branch with direct accountability fornew business development via sales calls to dealerships. Oversaw all front office, financial and reportingactivities, and loan application approvals/denials. Oversaw collections of delinquent accounts.Overview: Started brand new office. Built and led a top-performing team, recruiting, selecting, and trainingquality employees. Helped develop new operating system for use in all locations. Key achievements: Ignited office growth to go beyond projected $8M in annual receivables to an unprecedented $13M. Surpassed projections in receivables, net profit and bad debt by 130% for 2 consecutive years. Set stage for office to advance to next level after promotion to Florida by securing key independent dealerships and introducing new relationships to successor. Shouldered additional staffing responsbilities due to previous success. Hired team of 8 and groomed 5 employees to become managers with 2 advancing to supervisor level.

Quickly promoted due to exceptional results in collections, delinquency rates and risk management. Started approving loans via credit analysis and personal interviews, using good judgment and a commons sense approach to make sound decisions. Sustained low delinquency levels of under 1% to 2% over both years.Capitalized on business opportunities, making sales calls to dealerships on a weekly basis.Maximized staff's effectiveness by training new quality employees.

B.S., Accounting, 3.0

Activities and Societies: Member of Tau Kappa Epsilon Fraternity. ---Vice President (1997), President (1998) Officer in Accounting Club.

Accounting

Activities and Societies: Penn State Basketball

3.2

Activities and Societies: Who's Who High School Student High School: 3 Consecutive Years; '92-'95