Michael Johnson Email & Phone Number

Texas

Drove business outcomes in core functional areas of customer service, sales & collections strategy, recoveries, credit reporting, customer complaint resolution, risk management, talent acquisition, employee training, audit & compliance, diversity equity & inclusion, driving portfolio growth across core products of installment loans, auto loans, retail loans and convenience checks. Oversaw 450+ employees.· Developed strategic plans, growing portfolio of consumer installment loan… Show more Drove business outcomes in core functional areas of customer service, sales & collections strategy, recoveries, credit reporting, customer complaint resolution, risk management, talent acquisition, employee training, audit & compliance, diversity equity & inclusion, driving portfolio growth across core products of installment loans, auto loans, retail loans and convenience checks. Oversaw 450+ employees.· Developed strategic plans, growing portfolio of consumer installment loan portfolio from $40MM to over $550MM with 31% average annualized growth over a 14-year period.· Grew branch network in Texas from 40 offices to 108 offices, contributing to 20% increase in market share.· Developed programs that increased employee engagement and supported a culture of inclusion and controls for employment-related risks, resulting in:· Reducing regrettable attrition from 48% to 30%.· Recruiting strategy with improved communications and recruiting effort, reducing vacancy rates from 18% down to 4%.· Identifying and hiring the best people, contributing to 82% customer satisfaction.· Communications to address new employee concerns and challenges, reducing both new employee turnover in the initial 90 days of employment as well as annual turnover by over 40%. Show less

Dallas-Fort Worth Metroplex

Built and managed a team of over 20 underwriters and inside sales representatives covering Dallas, Fort Worth, Austin, San Antonio and Oklahoma territories.· Led team of 100+ underwriters/sales representatives in consistently generating highest dollar volume of monthly contracts in Dealer Service Center.· Reviewed loan approval terms with auto dealer, securing commitment from dealer to contract the customer on auto loan products for purchase-money auto loan program, resulting in… Show more Built and managed a team of over 20 underwriters and inside sales representatives covering Dallas, Fort Worth, Austin, San Antonio and Oklahoma territories.· Led team of 100+ underwriters/sales representatives in consistently generating highest dollar volume of monthly contracts in Dealer Service Center.· Reviewed loan approval terms with auto dealer, securing commitment from dealer to contract the customer on auto loan products for purchase-money auto loan program, resulting in contract being assigned to Wells Fargo.· Developed and implemented training program and manual for new hires, ensuring adoption and compliance with policies, procedures and best practices.· Received Analyst of the Year Award for highest sales capture rate and awarded membership annually in Distinguished Sales Club with consistent Distinguished Annual Performance Rating in number of contracts and $ volume of contracts funded on an annual basis. Show less

West Caldwell, New Jersey, United States

Managed operations of consumer loan originations for 70 offices in NJ and NY. Products included consumer installment loans, home equity loans and lines of credit, as well as personal lines of credit and credit cards. Managed 250+ employees.· Oversaw sales cycle from originations through to post closing, as well as quality assurance, training, business support and project management, resulting in 34% average annual growth rate in consumer loan portfolio, from $70 MM to $305 MM.·… Show more Managed operations of consumer loan originations for 70 offices in NJ and NY. Products included consumer installment loans, home equity loans and lines of credit, as well as personal lines of credit and credit cards. Managed 250+ employees.· Oversaw sales cycle from originations through to post closing, as well as quality assurance, training, business support and project management, resulting in 34% average annual growth rate in consumer loan portfolio, from $70 MM to $305 MM.· Re-engineered loan approval process, reducing processing time by 20%.· Developed consumer loan training program for NJ and NY regions, contributing to 30% increase in employee retention rate.· Recognized as Consumer Lender of the Year for 3 out of 5 years. Show less

Bachelor'S Degree, Economics

Bachelor'S Degree, Economics