Michael B. Email & Phone Number

•Review, examine and underwrite loans to ensure soundness, business value and compliance to guidelines and company standards.•Analyze credit reports, product appraisals, and associated documentation. •Verify loan-to-value ratios along with completeness of application information.•Daily interaction with owners, finance managers, and different levels of car dealerships. •Maintain acceptable turnaround times for applications submitted for pre-approval.•Interact with Compliance, and Funding for problem resolution, and compliance concerns, as needed.•Assist, identify, recommend and, or negotiate alternative loan requirements, or loan-structuring solutions.

•Provide critical review of all auto loan credit applications and underwrite decision based on loan authority matrix, company guidelines and utilize judgment while remaining consistent with system generated score. •Oversee incoming/outgoing dealer calls and developed a solid business rapport to successfully resolve all noted issues. • Provide loan approval/denial to dealership and negotiated final terms. •Revisit all lending initiatives with dealers to obtain loan approval, and educate dealer of company program.•Perform underwriting duties and make buying decisions under company guidelines and policies.

•Directly responsible for managing a team of 24 full time collection representatives.•Ensure employees are both results oriented and team focused.•Make daily out-bound calls pertaining to the reconciliation and collection of delinquent accounts.•Answers all in-bound calls, providing assistance to customers making payments on past due accounts.•Utilize skip tracing techniques to locate customers.•Educate every customer about the status of their account.•Follow all Fair Debt Collection Practices Act laws.

•Responsible for managing a team of 15 customer service/technical support Reps. •Provides customer-centric solutions to all customer inquiries and merchandise concerns.•Providing quick and accurate resolution to customer’s technical and non technical issues over the phone.•Assist customers with assembling, configuring, installing, testing and repairing their hardware and software.•Generate tickets for problems that cannot be resolved over the phone.•Educate customers in product knowledge.

•Directly responsible for managing a team of 7 full time collection representatives, 2 legal assistants, as well as overseeing collection activities in 12 standalone store fronts. •Report directly to the Senior Vice President with contacts at all levels of management. •Ensure employees are both results oriented and team focused. •Manage legal administrative functions to ensure all paperwork is processed efficiently and in a timely manner. •Recommend and implement programs and strategies to increase production as well as revenue.•Responsible for development and collections training of all new employees at corporate and store front level.

•Directly responsible for managing a team of 16 full time collection representatives, and 1 legal assistant. •Manage all call center dialer operations, including scheduling, monitoring and analysis on all daily dialer campaigns to ensure optimum contact times and revenue collection. •Report directly to the Chief Financial Officer with contacts at all levels of management. •Ensure employees are both results oriented and team focused. •Support operational demands and business objectives through staff development. •Manage legal administrative functions to ensure all paperwork is processed efficiently and in a timely manner. •Recommend and implement programs and strategies to increase production as well as revenue.

•Coordinated and oversaw daily operations including collections, drawer changes, monetary transactions, bank deposits and nightly closings.•Demonstrated skillful communications, negotiations, and collection skills.•Maintained close personal contact with staff, customers, and corporate office.•Established effective leadership and encouraged team concepts.•Reviewed financial transactions and monitored budget to ensure efficient operation, and ensure expenditures stay within budget limitations.•Successfully handled daily operations of entire business during store hours. •Analyzed store inventory to ensure records were in line with auditing/compliance standards.