Joe Tocco Email & Phone Number

Fort Collins, Co, Us

Fort Collins, Co, Us

Warren, Pa, Us

Fort Collins, Co, Us

Executive office who is the highest level of authority in all matters involving credit approval, administration and process. Responsible for managing a team of credit managers and credit analysts in multiple locations. Update and maintain credit policy and procedures while ensuring underwriting of new business is in compliance. Establish and maintain optimal credit process, while looking for opportunities to incorporate automation to streamline the process to improve department efficiencies. Ensure all credit scoring models used in the credit process are properly developed, implemented and monitored. Develop Credit Manager and Supervisor skill sets by providing training and coaching opportunities.

Farmington Hills, Us

• Manage and maintain all staffing and service levels, including phones and scheduling for a $900M a month department• Responsible for all recruiting, hiring, and development• Successfully mapped Retail Credit Risk Control Self- Assessment process • Lead and drive multiple committees and initiatives-pulse, go green, spark• Dallas Recovery Retail Credit Initiative -responsible all hiring, training and operational set up- phones and assignments • Liaison to Operational Risk Management • Retail Credit Optimization Committee Member• Answer and assist with OCC findings, implement changes and anticipate impact• Participate in Town Hall events, including building, presenting and set up• Proxy for Senior Management in absence• Ensure that department adhered to bank compliance and fair lending practices

Farmington Hills, Us

Manage and maintain all staffing and service levels, including phones and scheduling for a $900M a month department • Responsible for all recruiting, hiring, and development • Successfully mapped Retail Credit Risk Control Self- Assessment process • Lead and drive multiple committees and initiatives-pulse, go green, spark • Dallas Recovery Retail Credit Initiative -responsible all hiring, training and operational set up- phones and assignments • Liaison to Operational Risk Management • Retail Credit Optimization Committee Member • Answer and assist with OCC findings, implement changes and anticipate impact • Participate in Town Hall events, including building, presenting and set up • Proxy for Senior Management in absence • Ensure that department adhered to bank compliance and fair lending practices

London, England, Gb

Successfully managing the consumer loan origination team (14 employees) for the Denver Business Center, which acquired retail and lease transactions from our dealer body (~ $100 million/month). Key responsibilities were achieving portfolio risk objectives and acquisition targets. Primary responsibility was to mentor and coach employees to develop core competencies.

(Albuquerque, New Mexico: Austin & San Antonio, Texas )Responsible for selling floor plan/retail products, and provide consultation services to all Chrysler dealers in the states of New Mexico and Texas while achieving acquisition and service targets.

2 year program designed to accelerate financial and sales skills. During which I held the following positions: Retail credit analyst – responsible for analyzing and processes auto loan applications and provide support to the field sales group in achieving acquisition and service targets.Dealer credit analyst – responsible for identifying and mitigating risk from our Chrylser dealer body. Job functions include monthly financial statement analysis and clearance, identifying potential exposure from vehicle inventory audits, and complete written financial statement reviews. Wholesale inventory auditor – performed vehicle inventory audits at our Chrysler dealerships to ensure company’s collateral was accounted for and secure. Responsibilities included reporting adverse vehicle payoff trends to the Dealer Risk Department, present audit results to the Controller and/or Office Manager of the dealership.

Supervised the collection and customer service representatives in the Dallas Contact Center. Responsibilities included achieving overall delinquency and customer service targets, approve recommendations to repossess collateral, provide alternative payment solutions to our delinquent auto loan customers in order to reduce retail and lease exposure, provide reporting to our senior management depicting our daily and monthly progress toward achieving targets, and develop employees toward core competencies.

Primary responsibilities included making outbound calls to delinquent auto loan customers, which would either lead to finding an alternative payment solution or submit a recommendation for vehicle repossession. In addition, received inbound calls from customers regarding account maintenance items.