Bill Graham Email & Phone Number

Herndon, Va

Key leadership position for a collections portfolio inclusive of direct auto loans, indirect auto loans, credit cards, lines of credit, signature loans, and mortgage loans. Portfolio: 2.7 Billion Dollars outstanding Blessed to work with a highly inspirational team of executives and a high-performance Collections team.Mission: To set the pace and standard within the credit union industry, it's what NWFCU does!Focus: To provide a WOW member experience that exceeds all expectations.

Indianapolis,In

Direct and lead sales operations for five BHPH automobile dealerships in the central Indianapolis market.Exceeded 2016 sales target with 3,668 units delivered.Duties included sales forecasting, staff development, employee scorecards, F&I, compliance, marketing strategy, customer satisfaction engagement, and liaison for Indiana Finance Collections Director and Oak Motors Service Director.Implementation of GAP program, CPI program and procedures, and roll out of the enhanced use of Google review campaign for dealerships.Reported directly to President.

Daleville, In

Direct and lead all operations for collections, credit, and customer service in a centralized environment. A/R consisted of only captive finance automobile loans totaling $85+ million outstanding from five dealership locations. Portfolio was a mixture of retail installment contracts and lease agreements.Duties included staff development, delinquency and annual charge-off forecasting, development of incentive programs, insurance claims tracking and processing, funding compliance, repossession management, charge-off mitigation, development of policies/ procedures and working with data analysis for automated reporting of key collection operational drivers.Implementations include employee scorecards, established best practices, KPI’s, reporting analytics, utilization of dialer for efficiency, DMS conversion, new methods of payment, credit scoring system, lease agreement servicing roll out, lease insurance tracking, and start-up of a business development center for Oak Motors.Represented organization at Leedom and Associates Finance 20 Group meetings. Reported directly to President and owners of the organization.

Birmingham, Alabama Area

Direct and lead operations in centralized collections and customer service call center environment.A/R responsibilities started primarily as automobile only with $266+ million outstanding.Responsibilities of A/R progressed to manufactured homes and 60+ DQ non-conforming mortgage after great successful management of automobile portfolio.Duties included a monthly executive summary of operating results to bank President/COO, strategic planning, reporting analytics, established best practices, KPI’s, annual delinquency and charge-off forecasting, development of monthly incentive programs, repossession management, loss mitigation, and enhancements of policies/procedures. Implemented loss prevention department for special account mitigation, changed the culture of collection environment, promoted positive action committee, introduced new methods of payments, and start up and roll out of predictive dialer for efficiency.Reduction of gross charge-off by $2 million dollars over the previous year during the first year of leadership. Reported directly to SVP of loan servicing

Greater Atlanta Area

Direct twenty-eight stand alone finance company locations in lending and collections.A/R consisted of consumer small loans for $16 million outstanding.Operated under regulations set forth by Georgia Industrial Loan Office.Lending services also included tax anticipation loans and tax preparation services. Duties included strategic planning, regional audits, forecasting, training of state supervisors, compliance, direct contact for GA state regulators on branch audits, relocations, and/or sales, and annual reviews of supervisors. Reported to EVP and President.

Georgia And Wisconsin And South Carolina

Design and develop centralized start-up operations for recovery of charged off accounts for the state of Georgia. Operations grew to service charged off accounts from the state of Wisconsin.Serviced over 100 branch locations in bad debt recovery.Implementation of other methods of payment and new technologies for skip tracing and development of legal tracking system to monitor case status.Instructed and trained sister automotive company staff in skip tracing techniques and assisted in the location and recovery of extreme skip accounts using current recovery waterfall programs. Promoted to also manage the central bankruptcy operation center to improve collections of dismissed bankrupt accounts and coaching of bankruptcy staff to improve operational efficiency.BK operations serviced 900 branch locations with an average of 13,000 claims filed annually. Improved recovery collections by 35% compared to the previous year. Reported directly to EVP Operations for GA and WI.

Central Florida Area

Start up and lead all operations for collections, credit and customer service in a centralized environment. A/R consisted of captive finance automobile loans totaling $135+ million.Built staff from eighteen to sixty-five employees to match the growth of the company and managed nine collection supervisors. Duties include the establishment of collection targets, employee reviews, internal audit programs, hiring and disciplinary action of staff, policy and procedure implementation. Responsible for the management of all aspects of collections including management of repossession, bankruptcy, portfolio trending, forced placed insurance and operational reporting. Responsible for credit review, underwriting investigation/approval and compliance of loans from sixteen captive dealer locations. Implemented internet sites to further improve credit investigations process, and reduce potential fraud.Headed start-up and implementation of Mosaix predictive dialer system. Reported directly to SVP / COO.

Georgia

Directed nine full-service branch operations in consumer lending for the state of Georgia.A/R consisting mainly of indirect auto loans with a secondary focus on personal loans and non-conforming 1st/2nd mortgage. Portfolio totaled $45 million. Branches managed franchise and independent automobile relationships for indirect business and dealer inventory floor planning. Locations responsible for all collection activities and business development for mortgage loans.Duties include branch audits, supervisor visits, interview, disciplinary action, coaching supervisors, provide leadership, prepare and present annual operational projections to executive management. Reported directly to VP of Southeast Region.

Managed twelve employees with a portfolio of $12 million.Business focus was on collections, secondary real estate lending, consumer personal loans, multiple financing programs for merchants, and credit insurance sales.Duties included business development, collections, repossession, budget, and staff development.

Bba, Business Management

Education record