Philip Bower Email & Phone Number

San Diego Metropolitan Area

San Diego, California, United States

Collection Supervisor

Greater San Diego Area

Counseling students on a variety of issues including financial aid, stipends, documentation, audit processes, and balances due. Working with students to help them continue their educations goals.Helping students resolve balances and understand the financial aid process. Helping students maximize their payment options and payment plans for past due.

El Cajon CA

Making an immediate impact in the bankruptcy and foreclosure departments managing the stop/hold team of six processors responsible for activity goals and production quotas relating to the foreclosure process.Managing time and personnel requests as well as enforcing adherence to company policies and procedures.Successfully running and organizing the daily.

Greater San Diego Area

Researching customer complaints. Incoming and outgoing customer contact. Coordinating Chase liaisons and foreclosure attorney firms to resolve customer issues. Extensive personal phone communications and research.OCC article 7 audit team, was responsible for secondary audit issues, fact checking, and Foreclosure law research. Also assigned to the stop/hold.

Greater San Diego Area

Collection and resolution of delinquent auto loan accounts that are due be charged off in the next cycle. Used software and phone collection skip trace techniques to locate customers the normal collection process was unable to achieve. Ensured FDCPA guidelines were followed while adhering to the approved collection scripts to meet collection goals.

Greater San Diego Area

Managed the extension of credit to both franchise dealers and independent auto dealerships by underwriting, approving or declining prospective auto loan applications.Coordinated collection activities with the collection staff to ensure monthly goals are met. Handled escalated and sensitive collections calls to ensure the best possible outcome for both the.

As the buyer for the entire San Diego region, I successfully developed and maintained profitable dealer relationships with a dealer base of about 50 franchise dealerships. Successfully maintained a daily marketing and sales schedule with dealerships in my region. Generated applications for incremental business gains as well as supporting the funding.

Greater San Diego Area

Credit Officer: Managed multi million dollar sub prime auto portfolios over many different regions in California while fostering and maintaining dealership relations to increase and improve capture and volume.Management Review: Successfully handled all broken deal negotiations for the entire southern California area. Negotiated fees, rates and terms to.

Responsible for all day to day duties in a sub-prime auto lending finance company.Responsible for all credit and underwriting decisions and funding decisions for the branch.Handled all aspects of compliance, review, collections, sales, marketing, and humanresources. Made sure all insurance sales quotas were met by the branch for credit life anddisability.