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• Develop staff assignments and provide coaching and feedback to vendors• Ensure Customer Experience and Compliance Standards are met – cooordinate and lead partner audits• Participate in community events and tradeshows to promote the Bank’s services and financial products• Travel to international and domestic sites to provide hands on management

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 maintain lending pipeline.• 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.• Arranged / attended networking events providing platforms for customer expansion. Worked with third party firms such as accountants & solicitors to further support own clients. Filed necessary documents, drafted contracts, adhered to SLA’s and bank policies & procedures.

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)