Alex Winlow Email & Phone Number

Las Vegas, NV, US

Las Vegas, Nevada, United States

• Oversee business operations and performance for 3 Collections Agencies working pre-charged off accounts
• Maintain key business relationships with management of Agency vendors
• Drive cost-efficient results within established Policy and Procedures – manage and communicate business reviews on a daily, weekly and quarterly basis
• Portfolio services – mitigate risk through variance analysis, market share allocation based on portfolio returns, loss rate, P&L drivers
• Analyze reports to identify trends and provide direction for appropriate enhancements
• Present data and results to Senior Executives as part of assessing portfolio success and growth strategies

Leeds, England, United Kingdom

• Managed a portfolio of Small Medium Enterprise clients (SMEs). Regularly met with existing / referred / prospected clients to manage relationships, analyze performance & assess plans for expansion.
• Cross-sold banking products e.g. Merchant Services, Credit Cards, Cyber Security, International / Treasury. Worked pro-actively to grow deposits and term lending. Used CRM software to manage work-in-progress and.
• Supported clients with commercial finance. Reviewed property appraisal reports, negotiated loan terms / rates, established appropriate collateral to satisfy exit strategies.
• Analyzed Company Financials - used accounting ratios to assess Capital Structure, Operating Performance, Liquidity & Debt Serviceability. Assessed Management, Market, Industry, Financial & Credit risk.
• Spread financial statements as part of the assessment of credit worthiness. Produced written credit memorandums for approval of funds, in line with bank criteria / guidelines.
• Monitored loan covenants, account activity & deteriorating trends to manage risk. Renewed facilities upon review with client. Re-structured facilities at potential risk of loss.

Leeds, England, United Kingdom

• Assisted Relationship Managers in Portfolio Management - including credit analysis, risk management & account servicing.
• Prepared & reviewed credit documentation associated with new & existing facilities. Reviewed memorandums for credit renewals and ensured applications were in order before submission to the credit team.
• Liaised with business clients as their dedicated first point of contact - held reviews, processed transactions, managed queries / concerns and took care of general administrative duties.
• Analyzed Customer Service / Complaint data - implemented new systems to improve working techniques including customer service campaigns.

Leeds, England, United Kingdom

• Dedicated point of contact for customer queries & concerns. Held appointments to review / open accounts and establish future customer plans.
• Cross-sold appropriate products & services, managed complaints for new and existing customers. Adhered to SLA’s, Bank policies & KYC procedures.
• Worked closely with management to improve Customer Service and up-skilled branch staff.
• Handled large sums of cash and accurately processed customer transactions.

Associate’S Degree, History Of Popular Music, Btec National Diploma Equivalent

High School Diploma (9 Gcses)