Joseph Sennish Email & Phone Number

Carmel, California

Responsible for direction, control and oversight of Finance, Information Technology, Legal and Service/Maintenance functions for a full service Property Management company.

Marketing Financial Services, Consulting, and Software to the Collections, Financial and Medical Industry. Assignments include:CBSJ Financial, Third party billing and collection servicing $84MM in Consumer & Commercial receivable placements annually.Reviewed / revised business development, sales & marketing, strategy, analytics, budget, planning, forecasting, recruitmrnt, staffing and training.Increased new business by 42% through development of a Sales culture and creation of a Sales Incentive program.Increased revenues by 52% through strategic collection efforts, redesign of skip and collections work flow, recruiting and training practices, obtaining a 56% increase in collections over twelve months.Reduced expense 13.5% while increasing revenue producing staff 50% by leading initiatives to renegotiate all vendor contracts, eliminating waste and reorganizing management functions into a narrower structure.Lead a business systems conversion project to integrate our business, creating and modeling best practices across sites.AMCA-RMCB, 3rd party servicing $1.2BB in Consumer & Commercial receivables. Increased market share of two largest clients through strategic collection efforts, redesign of work flow, recruiting and training practices, obtaining a 50% increase in collections in only nine (9) months.First Horizon National Corp, reviewed and revised distressed Mortgage Lenders Bankruptcy, Foreclosure Equity Review, Litigation, Loss Mitigation & Recovery.Tripled recoveries without staff or expense increases through Collection Agency process management, vendor audit and contract revisions.

Responsible for staffing, training, strategy, budget planning and forecasting, direction of five (5) Managers and 107 Advisors servicing $185 MM in receivables a month.· Represented CCS on JPMorgan Chase’s Employee Satisfaction & Retention Steering Committee · Obtained annualized 13.6% increases in cash flow from 2001 to 2005 while reducing expense through revision of staffing, small unit strategies and implementation of Dialer technology.· Managed team through planning, mapping and training for system conversions in Nov 04 and July 05 while exceeding stretch objectives for loss rates and expense plan.· Created plan for post-merger expansion of strategy across combined portfolios and additional territory

Bankruptcy, Probate, Litigation & RecoveryResponsible for asset sales, budget planning and forecasting, direction of two (2) Supervisors, a Business Analyst, 28 Associates and 80 external counsel servicing $28 - $35 MM a month.• Achieved a 20% reduction in salary expense through design and implementation of event driven, automated workflow, recovered $18.5 MM versus $1.4MM in expenses during 1999.• Accelerated recovery stream through conduct of quarterly asset sales, attaining 20% improvement in NPV through negotiation of terms and creation of automated forward flow relationships.• Obtained a 50% reduction in secured portfolio non-contractual charge-off through revision of reaffirmation policy, forbearance, legal and repossession process guidelines. • Designed revised workflow and initiated project plan to incorporate auto dialer in recovery effort.• Drove cost of collections down to VISA IRKI best in class 3.8 cents per dollar recovered.

Responsible for staffing, training, direction, control and administration of five (5) Supervisors and 95 associates servicing 100-135M inbound calls per month for multiple clients.· Achieved a $39MM increase in annualized cash flow through implementation of advanced telephone technique training. · Reduced abandon rate 67% by reprogramming call blending systems interface and revising staff management practices.· Developed an application to forecast call volumes, schedule staffing and project both line balancing needs and capacity resulting in increased client satisfaction.

Managed Collections & Recovery Operations

Correspondence Services, 1994 to 1995· Coordinated training and line balancing to\from C/S inbound phones, improving service levels.· Designed and implemented scorecard ranges, promotional criteria and quality action plans resulting in a 21% productivity increase and 9% increase in accuracy.· Reduced staff 13% through planning and implementation of cross training, without negatively affecting service levels.· Facilitated reduced training curve by establishing requirements for redesign to a Windows Toolbar environment. Coordinated testing and departments training in conjunction with implementation. Collections Operations, 1993 to 1994· Obtained reduced volumes through audit, testing and implementation of adaptive control strategies.· Consistently exceeded monthly financial plan goals with effective prime time campaigns focused on high-risk accounts. · Prepared and implemented project plans for seamless transition of two departments functions to remote centers.

Advanced Medical Non-Commissioned Officer providing close technical support to a Long Range Reconnaissance Detachment of Airborne/Air Assault qualified Army Rangers.7th Infantry Division Non-Commissioned Office of the QuarterExpert Field Medical BadgeGood Conduct MedalOverseas Service RibbonProfessional Development RibbonArmy Servcice Ribbon

Bs, International Business Management

minor in International Business Finance

Business Management

Education record

College Prep