Direct and supervise collections, remarketing, legal, and escrow departments, leading a team of 10 professionals, including two (2) managers.• Oversee the collections function for a $350M portfolio and develop and execute strategies that improve collector performance and reduce delinquency rates.• Streamline processes and implement best practices.• Provide strategic guidance and mentorship, building a collaborative and productive work environment.• Manage peak seasons by coordinating efforts across departments to handle increased workloads.• Ensure timely completion of critical tasks, including escrow analysis, tax voucher maintenance, and the remarketing process for repossessed homes.• Developed and implemented policies and procedures to enhance operational efficiency and compliance with regulatory requirements.• Collaborate with internal and external stakeholders, align collection strategies, measurable improvements in collection rates and departmental performance, meeting organizational objectives.

Managed daily branch operations; monitored performance metrics. Demonstrated expertise in collections, account management, underwriting, and personnel management. Supervised staff and monitored performance.• Directed the collections function for the automotive portfolio.• Developed and implemented new branch collections processes, trained staff on new processes and saw significant improvements in financial KPIs and overall collections efficiency.• Led branch underwriting activities for automobile loans.• Developed and maintained dealer relationships while securing automobile contracts.• Evaluated monthly/quarterly reporting to determine branch performance.

Established automotive financial accounts.• Consulted in sales activities and account development for area auto dealers.• Created targeted strategic plans, actions, and schedules to increase account growth. • Maintained a broad network of business, automotive, and financial specialists to exchange best practices and provided business leads and prospective business opportunities.• Expertly leveraged automotive industry networks to identify sales prospects.• Prepared comprehensive sales contracts and support information.• Trained and mentored dealer account partners through seminars, trade shows, and marketing events.• Developed, built, nurtured, and maintained current client relationships by proactively making frequent personal contact, providing account updates, and consulting.

The company dissolved in 2018. Headed key loss mitigation operations providing lines of credit to independent automotive dealers to finance vehicle inventories. • Worked closely with Dealer Principals to guide their organizations through workout situations, such as fraud, bankruptcy, selling out of trust, financial distress, and liquidation to minimize losses.• Held concurrent responsibilities for securing/repossessing vehicle collateral, performing physical inventory and “book” audits, and overseeing a portfolio of ancillary service providers including auto transport and vehicle storage companies, and wholesalers.• Successfully worked with a distressed auto dealership to liquidate all company floored units without incident to date.

Principal strategist of expansive $3B regional automotive portfolio located in Birmingham, AL; Decatur, AL; and Tempe, AZ. Leveraged internal capabilities to enhance end-to-end pre-charge-off default management activities.• Spearheaded and implemented growth strategies to fine-tune the executive and senior management team.• Managed 80-85 collectors/upper managers and drove excellence in daily operations. • Provided ongoing mentorship and professional development to business unit team.• Formulated practical process management strategies; governed execution of default management processes, hired and optimized resources, achieved stringent corporate objectives, and ensured proper budget appropriation.• Significantly enlarged client pool, capitalized on the subprime market growth, transitioned collection processes to incorporate super prime and near/subprime markets. • Guided remarketing department to promote timely repossession of assets, enhanced skip locate/trace process, increased timeliness of bank collateral sales, and effectively mitigated liability, including full balance charge-offs. • Worked in tandem with the Consumer Finance Auto Lending Team to execute due diligence and to facilitate early detection of fraud or potential dealership issues.• Established and monitored Key Performance Indicators (KPIs); aligned KPIs with business objectives, including portfolio growth, delinquency reduction, and loss mitigation.

Integral member of the Chase Auto Finance team; oversaw non-prime accounts and directed management operations. Concurrently supervised a multi-functional team of 16 automotive professionals, implementing policies and procedures that elevated client services. Pioneered the first Chase Custom Finance Office within the state of Alabama, targeted the non-prime market and significantly improved financing services within a dynamic market.• Developed and communicated workable business strategies, streamlined lending practices, and expanded financing services within highly competitive markets. Established highly profitable and sustainable revenue streams, resulting in consistent profit gains.• Established a comprehensive branch credit policy, for the Alabama territory; mitigated liability and significantly reduced losses resulting from unfulfilled finance agreements.• Consistently increased profits year-over-year and produced a return on equity, above budget, beginning in 2008.• Implemented aggressive marketing strategies, solidified the corporate brand, and effectively managed the corporate portfolio.• Elevated employee satisfaction ratings, scoring within the top three, for the Southeast Region.

Provided executive-level leadership, implemented calculated business strategy, managed a diverse team of 27 automotive professionals, and established high levels of service excellence.• Provided executive-level call center leadership and implemented strategic business initiatives.• Catapulted profits to 5% above goal, produced returns on equity by 4.5% above goal, enhanced overall market share by over 15% and improved overall contract volume by 10%.• Fostered a spirit of collaboration and teamwork and improved employee satisfaction rates, across all departments, from 78% to 90%.• Achieved highest rating for customer satisfaction and customer-centric service.

Championed opening of a new branch office in Jacksonville, FL. Spearheaded HR functions, including recruitment, onboarding, and training of all professional staff in support of the Jacksonville start-up initiative. • Strategically achieved exponential profit gains within three years of operation; developed and sustained five brand relationships with Mazda, Jaguar, Land Rover, Kia, and Subaru.• Analyzed branch policies governing credit, sales, and wholesale administration. Ensured proper administration of financial lending services.• Oversaw daily operations of 15 multidiscipline automotive professionals, with subsequent management of three different brands, Mazda, Jaguar and Land Rover.• Created sustainable revenue streams through comprehensive customer service programs and referral programs; achieved the largest profit gain within the branch’s six-year history. • Led a staff of 125 cross-functional professionals; administered HR program to ensure strict adherence to policies regarding performance reviews, merit planning, and disciplinary action.