David Belz Email & Phone Number

Spokane, Washington, United States

Greater Seattle Area

Worked with the CLO to develop and execute the strategic vision for consumer underwriting, Portfolio Management and Member Solutions functionsIncreased indirect lending by 69% in 2018 while reducing charge offs and maintaining delinquencyIntroduced new lending programs to increase loan growth, member growth and support of strategic initiativesIncorporated a data-based decision-making process as part of a change management initiativeManaged consumer lending portfolio and product pricing and provided recommendations to pricing committeeMonitoring of portfolio product mix and worked with CFO to insure adequate cash availability for current lending needsDesigned and implemented a dealer management strategy for indirect dealership performance monitoringDeveloped annual department budget to meet goals and reduce expenses

Greater Seattle Area

Mentor and lead Consumer Lending Manager and Member Solutions ManagerImproved on competitive market position by reducing costs, accelerating delivery of loans and increasing overall service qualityLead in new loan product development, implementation and managementDevelop and deliver on strategic initiatives, operations plans, incentive plans and annual budgetCreated and implemented department reorganizationResolve escalated loan requestsPoint of contact for all internal and external regulatory exams

Develop Member Solutions staff including cross training, mentoring, coaching and establishing personal development plansAchieved 50% reduction in delinquency and 40% reduction in charge offs over a 3-year period Review collection procedures and systems for efficiency, process improvement and risk mitigationUse data to develop analytical reports to track results of collection effortsMaintain knowledge of all federal and state regulations that pertain to FDCPA and TCPA to insure complianceOversee daily operations including handling escalated callsMaintain vendor relationships with collection agencies, repossession agents, attorneys and other vendors as necessary

Greater Seattle Area

Supervised bankruptcy support specialists including coaching, training, performance evaluations and employee developmentDeveloped and managed processes for appropriate treatment of customers who filed bankruptcyEnsure compliance with federal bankruptcy law to protect T-Mobile from financial sanctionsFacilitated sales of charged off debt to multiple buyersIntroduced and developed initiatives to improve company financial performance and EBITDA Managed internal projects and external vendor relationships

Greater Seattle Area

Supervised 6 Collection Clerks, 2 Credit Analysts and 1 staff support employee in a call center environment. This included hiring, training, motivating, coaching, performance reviews and discipline. Implemented a new collection department and reduced bad debt by 8% or $900k over a 5-year period.Evaluated monthly collection and call center performance and provided updates to executive management. Evaluation and development of call center performance metrics.Managed external relationships of payment vendors, outside collection agencies and various other vendors including continued performance evaluation.Administered all credit policies and procedures for more than 250,000 customers.Performed all credit analysis for new customers including interpretation of financial statements and credit reports and provided results to sales force.Traveled frequently between locations to work on Customer Information System conversion project and successfully manage credit and collections employees.Liaised with service vendors and 3rd party collection agencies.Supervised for Customer Service representatives when needed for backup.

Bachelor’S Degree, Information Technology Administrative Management, 4.0

Summa Cum Laude, Deans List Scholar.

Associate’S Degree, Business Management, 3.89

Activities and Societies: National Honor Society