Collection and establish repayment plans of past due consumer loans, light skip tracing, Proactively pursue resolution of all assigned delinquent accounts in compliance with bank policies and procedures and all state federal regulations including the Fair Debt Collection Practices Act. Thoroughly understand and appropriately apply all available collection tools and payment alternatives to minimize delinquency and credit losses, Thoroughly document all pertinent information. Meet or exceed established monthly performance objectives for delinquency, credit losses, collection calls and delinquency reduction established by management.

Self-employed/Principal. (Established business during international relocation to San Juan, Puerto Rico due to spouse's job). Portfolio Management: manage 10-15 accounts. Develop and manage portfolios for clients to meet annual investment objectives while minimizing losses. Provideexcellent customer service to my clients, returning calls promptly, updating clients on investment status/changes on a regular basis with respect, courtesy and integrity.

-Resigned from position due to my wife's international job relocation to San Juan, Puerto Rico. -Responsible for underwriting and credit decisions of various consumer loans. Analyzed financial statements and credit data for timely credit decisions. Followed established credit policies and procedures to maximize the value and minimize the risk of the portfolio.· Developed and maintained effective and productive relationships with clients. · Responsible for fast, efficient loan decisions on loan application request submitted through direct and indirect channels.· Maintain a portfolio of $100 million and a charge off loss ratio of 0.75%.· Effectively communicated and handle escalated calls from branches, vendors and dealers. Assisted manager in training new loan officers.

Responsible for increasing application volume and funded contracts by originating third-party retail auto sales finance contracts. . Review, analyze and decision retail credit applications. Negotiated with assigned dealers in order to achieve volume and funding goals. Team leader, responsible for training and motivating new/junior credit analysts. Results / Accomplishments: - Successfully managed California and various western territories, generating $2.1 million in funded contracts per month. '" Ranked Western Region Branch's leading producer in funded contracts, capture, approval rate, and book to look rates among a team of 10 loan officers three consecutive years. - Generated 35 % of total branch volume. Increased business volume and production by 200% in first year. - Doubled company's national average for approval rate, capture rate, book to look, and contracts funded for 3 years- 2001-2004 Neil Smith Award recipient for outstanding performance. - Received six consecutive Employee "of the Month awards and bonuses for outstanding performance.

Reviewed, analyzed, and purchased indirect retail credit applications. Negotiated rate and pricing with assigned dealerships. Supervised two funders and one secretary. Results / Accomplishments: - Appointed by Vice President/Credit to Quality Control Compliance project, ensuring adherence to corporate credit policies and guidelines by 40 credit analysts. - Audited 33 % of funded contracts and prepared monthly reports for Quality Control Manager. - Improved overall credit adherence company-wide by 75 % within a three-month period and received bonus.