Stephen Mckowen Email & Phone Number

North York, Ontario, Canada

Vaughan, Ontario, Canada

• Manage and build credit and collections team for Central and Western Canada• Oversee credit and collections department currently of three• Evaluate credit limits and terms for commercial clients• Authorize pending orders for any clients on credit hold.• Produce monthly reports and present to upper management• Manage bad debt accounts in third party collection and legal• Expand accepted payment alternatives to assist with growing the business while min-imizing risk• Analyze and improve on existing credit and collection procedure

Toronto, Canada Area

- Manage credit and accounts receivable functions for one of the largest meat distributing plants in Ontario.- Exceed DSO parameters as determined by the CFO- Evaluate and establish credit parameters for new clients.- Review and establish credit holds on existing customers when required.- Manage the credit and collections team of five.- Established protocols for assigning bad debt to third party or legal as required.- Coordinate with the sales team to expand business with both new and existing customers.- Produce credit and collection analytic report for regular management review.- Maintain integrity of confidential information.- Updated credit applications and implemented personal guarantees where appropriate.

1200 Eglinton Ave. E. Suite 902, Toronto, On M3C 1H9

- Negotiate high-balance commercial business-to-business accounts to resolve outstanding collection issues for clients.- Expert at construction and logistics collection throughout Canada using provincial Lien Acts and the Bill of Lading Act. Broad experience in other industries including advertising, manufacturing, packaging and others.- Provide training and support for new team members.- Evaluate collection items in preparation for Small Claims or Superior Court action. This includes risk analysis through credit bureau review, application analysis and detailed asset investigation.- Continue post-judgment collections through to resolution.- Maintain strong client relationships.- Facilitate large balance collection efforts, negotiating special rates with clients when required.- Regularly exceed target goals to achieve bonuses.

• Mange, coach and train commercial collection, legal and sales team.• Collect larger delinquent commercial or legal accounts resolving in a manner and time frame meeting client approval.• Increased department revenue from 2006 through 2012.• Review, analyze and recommend appropriate action on collector files, ensuring compliance with Collection Agency Act.• Assess files for legal process and prepare files for litigation.• Cultivate and improve existing and new client relationships.• Prepare reports for clients on active files.• Coordinate with sales for new client presentation and customization of collection programs for clients who require such support.• Review and modify sales strategies to expand on existing clients and maximize present client retention.

•Resolve high-end (180 day) delinquent commercial accounts while maintaining high customer service levels and customer loyalty.•Provide support and backup for the consumer collections team.•Resolve escalated issues from other team members on commercial and consumer calls.•Analyze and deliver monthly and ad-hoc reports to management team.•Served on VOE committee, implementing programs to enhance team morale and address team concerns.

London, Canada Area

• Resolve high-end commercial and consumer delinquent accounts, instigating repossession action when necessary.• Developed training protocols and wrote training manuals for new team hires.• Managed a collections team of 3 to 5 credit professionals.• Member of the ESI committee, implementing programs to ensure high employee morale during transition to Edmonton and communicating transition information to the team.• Resolved credit applications within a two-hour window, gathering data to make the decision and interviewing applicants when necessary.• Trained and coached team members in the Collection, Credit and Customer Service departments.

Ba, Legal Studies

Activities and Societies: Volleyball, WATSFIC, Computer Science Club

Ba, History, Business

Activities and Societies: Volleyball, WLUFIC