• Led an 800+ million-dollar Auto Portfolio Management for (NV, AZ, UT, CO, WA, ID, OR) servicing early and late stage collections from origination to payoff, including repossessions and Charge-off.• Develop and implement effective strategies to reduce delinquency charge-off while remaining compliant in FDCPA and CFPB guidelines.• Compliance Management – Effectively manage and inspect quality daily to ensure we are compliant with company guidelines.• Repossession Management – Added new agents in coverage areas where possible, Implement consistent guidelines for repossession assignment and repossession expense management. Created tracking system to monitor portfolio losses based on auction results.• Mentor associates to create impactful development plans based on their growth needs and personal aspirations. • Expense management – Appropriately manage schedules and associate overtime, championed a new process to move to digitally signed repossession invoices. • Review both pre and post charge-off deals with credit for areas of improvement.• Remote / Virtual Leadership – Beginning with the Covid pandemic, we used engaging contests and games in a virtual office environment to lead the region in exceeding our delinquency and charge-off goals. We have also set the standard for what a quality results should look like with a perfect audit score and what is now three consecutive years of low risk passing audits.

• Responsible for the training of all associates in the Account Resolution Specialist roles during our three week transition training.• Systems set up for all new associates new associates• Communication of company objectives • Analyze critical RCH metrics and create appropriate recursive training material to effectively manage risk for all Collections Hub associates.• Appropriate scheduling of recursive training material based on business needs• Seat coordinator for RCH to allow effective movement within teams based on business needs• Office of the President representative for Raleigh RCH

Collections manager for indirect auto finance. I manage a team that services an auto portfolio which exceeds 700 million dollars. main responsibilities include the following • Daily delinquency and Charge off projections • Analyze daily report metrics for areas of improvement • Assist in creating team member development plans • Performing daily Repossession and Deferment audits • Reviewing NICE call quality evaluations • Driving the Las Vegas office to be one of the most compliant and successful offices in the company.

I Supervised a team of 20+ indirect auto finance collectors with a portfolio that exceeded 450 million. My main responsibilities were to :• Measure and monitor my team’s metrics to ensure we were hitting our monthly targets• Monthly collections department scheduling • Compliance training• Quality Assurance (call monitoring and side by sides, monthly audits)• Monthly reviews• Deferment approval• Time Card management

• Collect on past due auto accounts• Meet our stated delinquency and charge off goals• Compliance training