Sample Template Example of Beautiful Excellent Professional Curriculum Vitae / Resume / CV Format with Career Objective, Job Description, Skills & Work Experience for Freshers & Experienced in Word / Doc / Pdf Free Download
AB Financial Services 10/17/2009 – 03/24/2011
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Joy Williams
309 Sellers Street
Philadelphia, PA 19001
Residence (215) 533-9876
Mobile (267) 239-1230
Joy@gmail.com
309 Sellers Street
Philadelphia, PA 19001
Residence (215) 533-9876
Mobile (267) 239-1230
Joy@gmail.com
Profile
HIGHLIGHTS OF QUALIFICATIONS
Proactive, adaptive style of management.
Effective team member with ability to lead and collaborate.
Strong written and verbal communication skills.
Competent, reliable and committed professional with a proven record of success in assuming increasing levels of responsibility.
Responsive, honest and resourceful.
Strong problem solving capabilities combined with a high level of creative energy.
PROFESSIONAL EXPERIENCE AND ACCOMPLISHMENTS
HIGHLIGHTS OF QUALIFICATIONS
Proactive, adaptive style of management.
Effective team member with ability to lead and collaborate.
Strong written and verbal communication skills.
Competent, reliable and committed professional with a proven record of success in assuming increasing levels of responsibility.
Responsive, honest and resourceful.
Strong problem solving capabilities combined with a high level of creative energy.
PROFESSIONAL EXPERIENCE AND ACCOMPLISHMENTS
Power House Gym of Philadelphia 04/04/2011 – Present
505 Knorr Street, Philadelphia, PA 19111
Collections Manager
* Analysis of aging report.
*
Responsible for cash collection, account resolution, and retention.
*
Collaborated with owners on specific marketing of re-entry or second chance
customer base.
* Manage Account Receivable against DSO (Days Sales Outstandings) for accurate delinquency and success tracking.
* Manage Account Receivable against DSO (Days Sales Outstandings) for accurate delinquency and success tracking.
* Reduced
account close outs by instituting work out plans for remaining balances.
*
Managed a staff of four collectors.
AB Financial Services 10/17/2009 – 03/24/2011
1400 City Line Avenue, Bala Cynwyd, PA 19040
Collections Manager
* Manage Servicing Staff of 30 FTE.
* Expanded the use of the predictive dialer technology into the later stages of delinquency and into the recovery stage, which reduced operational expenses by $160, 000.00.
* Collaborative delinquency forecast with the assistance of the Risk Unit.
* Performed Interviews, disciplinary action, and recommended termination.
* Reduced delinquency on average of .08 basis points per month, and reduced losses by $300,000.00 each month by instituting a “Second Chance Program."
* Created a Score Card to ensure quality standards are achieved.
* Educated staff in Chapter 7 and 13 Bankruptcy, and the process of the 203 filing thru ROS (Relief of Stay).
Collections Manager
* Manage Servicing Staff of 30 FTE.
* Expanded the use of the predictive dialer technology into the later stages of delinquency and into the recovery stage, which reduced operational expenses by $160, 000.00.
* Collaborative delinquency forecast with the assistance of the Risk Unit.
* Performed Interviews, disciplinary action, and recommended termination.
* Reduced delinquency on average of .08 basis points per month, and reduced losses by $300,000.00 each month by instituting a “Second Chance Program."
* Created a Score Card to ensure quality standards are achieved.
* Educated staff in Chapter 7 and 13 Bankruptcy, and the process of the 203 filing thru ROS (Relief of Stay).
* Responsible
for Account Level audits to ensure all efforts and options are exhausted.
*
Managed prompt verification of invoicing for prompt payment.
Flagship Credit Corporation 07/04/2007- 10/15/2009
3 Christy Drive, Suite 205, Chadds Ford, PA 19317
Collections Supervisor
* Managed sub prime automobile portfolio to perform consistently at 4.85%.
* Responsible for staff of 12 Collection Representatives in reducing delinquency and mitigating charge offs.
Flagship Credit Corporation 07/04/2007- 10/15/2009
3 Christy Drive, Suite 205, Chadds Ford, PA 19317
Collections Supervisor
* Managed sub prime automobile portfolio to perform consistently at 4.85%.
* Responsible for staff of 12 Collection Representatives in reducing delinquency and mitigating charge offs.
*
Managed vendor invoicing and prepared payment instruments for prompt payment.
* Reduced overtime expense by utilizing assets from various departments when needed for coverage.
* Reduced overtime expense by utilizing assets from various departments when needed for coverage.
*
Coordinate work activities to achieve the volume expected to meet operational objectives.
* Stream lined the Total Loss and Rebate process, which improved efficiency and reduced defects to 1.1 Process Sigma.
* Stream lined the Total Loss and Rebate process, which improved efficiency and reduced defects to 1.1 Process Sigma.
*
Ensured Call Center abandonment rates where kept within accepted departmental
range by way of staffing resource allocation around call models and trends.
* Monitored
sample size Credit Performance for a random subset of accounts.
*
Assisted Credit Department with in depth decision making for additional
applicants.
* Monitored performance of staff members according to established standards and conducts performance evaluations.
* Responsible for supervising collection and repossession efforts the repossession department.
* Develop and monitor collections/OFR results and goals; creating initiatives/programs to support collection objectives.
United Auto Credit Corporation 06/01/2006-07/02/2007
* Monitored performance of staff members according to established standards and conducts performance evaluations.
* Responsible for supervising collection and repossession efforts the repossession department.
* Develop and monitor collections/OFR results and goals; creating initiatives/programs to support collection objectives.
United Auto Credit Corporation 06/01/2006-07/02/2007
3331 East Street Road, Bensalem, PA 19020
Collections Supervisor
* Managed sub prime automobile portfolio to perform consistently at 4%.
* Implemented early identification process, which predictive scores on the basis of payment frequency and current credit score.
* Initiated Repossessions, processed Condition Reports, prepared and sent Right to Cure letters, processed auction checks after remarketing, and initiated the final bill of accounting.
Collections Supervisor
* Managed sub prime automobile portfolio to perform consistently at 4%.
* Implemented early identification process, which predictive scores on the basis of payment frequency and current credit score.
* Initiated Repossessions, processed Condition Reports, prepared and sent Right to Cure letters, processed auction checks after remarketing, and initiated the final bill of accounting.
*
Authorized accounts for Field Chases based on three tier prioritizing:
Potential Loss Severity, Payment Performance-from payment propensity model, and
notification of lapsed insurance.
* Accepted cash payments.
* Accepted cash payments.
*
Processed and approved Credit Applications to ensure underwriting guidelines
are met.
* Processed redemptions based on the following: Current Drivers License, Auto Insurance, and delinquent payment brought current.
* Processed redemptions based on the following: Current Drivers License, Auto Insurance, and delinquent payment brought current.
The Fairville Company 01/06/2006 to
06/01/2006
4 Hillma Drive, Chadds Ford, PA 19317
Senior Collections Representative
* Business To Business Collections of Commercial Equipment.
* Prepared unit evaluations and recommended floor pricing for remarketing.
* Reduced roll rate to The Recovery Unit by .9 basis points, which ultimately minimized loss.
* Assisted Credit Division in preparing Credit Approvals and Denials.
* Established key relationships with the following: CFO`s, Managers of Accounts Payable, and Authorized Signatures of various corporations.
* Skip traced Sole Proprietors with various corporate locations to re-establish contact for payment, payment plans, Loan Modifications, and Repossession of collateral.
Wells Fargo Financial Acceptance 08/02/2002-11/21/2005
2501 Seaport Drive, BH 301, Chester, PA 19031
Repossession/Collections Manager
* Restructured the Collections/Loss Mitigation department in order to increase process specialization and develop expertise among staff while building audit trails and quality checks and balances.
* Recommended enhancements to existing systems that resulted in improved customer service.
* Reduced staffing levels and more targeted collection strategies.
* 2.1% reduction in delinquency.
* Introduced multiple staffing strategies to increase the availability of resources during prime time contact hours by 11%; reduce overtime needs 9%.
* Instituted an on-ongoing workshop training program coordinated by team leaders and researched and presented by collectors, developed the collectors subject knowledge, self-confidence, morale and presentation skills. .
American Business Financial Services 08/16/1998-08/01/2002
1 Presidential Boulevard, Bala Cynwyd, PA 19040
Assistant Vice President, Collections/Loss Mitigation
4 Hillma Drive, Chadds Ford, PA 19317
Senior Collections Representative
* Business To Business Collections of Commercial Equipment.
* Prepared unit evaluations and recommended floor pricing for remarketing.
* Reduced roll rate to The Recovery Unit by .9 basis points, which ultimately minimized loss.
* Assisted Credit Division in preparing Credit Approvals and Denials.
* Established key relationships with the following: CFO`s, Managers of Accounts Payable, and Authorized Signatures of various corporations.
* Skip traced Sole Proprietors with various corporate locations to re-establish contact for payment, payment plans, Loan Modifications, and Repossession of collateral.
Wells Fargo Financial Acceptance 08/02/2002-11/21/2005
2501 Seaport Drive, BH 301, Chester, PA 19031
Repossession/Collections Manager
* Restructured the Collections/Loss Mitigation department in order to increase process specialization and develop expertise among staff while building audit trails and quality checks and balances.
* Recommended enhancements to existing systems that resulted in improved customer service.
* Reduced staffing levels and more targeted collection strategies.
* 2.1% reduction in delinquency.
* Introduced multiple staffing strategies to increase the availability of resources during prime time contact hours by 11%; reduce overtime needs 9%.
* Instituted an on-ongoing workshop training program coordinated by team leaders and researched and presented by collectors, developed the collectors subject knowledge, self-confidence, morale and presentation skills. .
American Business Financial Services 08/16/1998-08/01/2002
1 Presidential Boulevard, Bala Cynwyd, PA 19040
Assistant Vice President, Collections/Loss Mitigation
* Collaborated with American Business Credit to
address aging report, and to reconcile DSO`s.
* Achieved servicing delinquency forecast 19 of 24 months.
* Originated the position of Quality Performance Manager to identify training needs through telephone monitoring and documentation review. Provided supplemental training and coaching and developed plans for improvement where performance weaknesses existed.
* Engineered a monthly performance evaluation process that insured a focus on customer service, effective and efficient collection techniques, teamwork and professionalism.
* Accurately projected annual loan losses for the purpose of establishing loan loss reserves and performance goals.
* Identified efficiencies that streamline process and reduced staffing needs through the use of behavioral scoring to reduce letter generation; minimize credit bureau requests target calling strategies.
* Originated the position of Quality Performance Manager to identify training needs through telephone monitoring and documentation review. Provided supplemental training and coaching and developed plans for improvement where performance weaknesses existed.
* Engineered a monthly performance evaluation process that insured a focus on customer service, effective and efficient collection techniques, teamwork and professionalism.
* Accurately projected annual loan losses for the purpose of establishing loan loss reserves and performance goals.
* Identified efficiencies that streamline process and reduced staffing needs through the use of behavioral scoring to reduce letter generation; minimize credit bureau requests target calling strategies.
ContiMortgage Corporation
04/25/1995-08/15/1998
338 Warminster Road, Horsham, PA 19004
Unit Supervisor 1, East and West Coast Operations
* Instituted loss control initiatives that resulted in a 1.87%reduction in gross losses.
* Designed Roll Rate reporting and Client performance reporting for the purposes of productivity measurement and contract compliance validation.
* Created job-sharing, cross training, and mentoring programs, which encouraged teamwork, expanded knowledge, enhanced self-stem, and increased the value between employee and organization.
* Designed a reward recognition program that created focus on department goals and objectives including cure rate performance, overtime control, risk management and loss mitigation.
* Created Associate Development Co-coordinator to manage the program, maintain database, run performance metrics reporting, and insure compliance with programs.
* Expanded the use of the predictive dialer technology into the later stages of delinquency and into the recovery stage, which reduced staffing needs by 3%.
EDUCATION
Temple University Candidate for BS
Major: Finance 09/1991-06/1994
SOFTWARE
ADP/computer Experience-ALLTELL Mortgage Servicing System (C.P.I.); Windows 95/98; LSAMS Mortgage Servicing System; ITI Mortgage Service System; MCC Mortgage Service System; Call Support, CMS, Predictive Index Behavioral Scoring; Magellan and Davox Predictive Dialers; Excel, WordPro; AmiPro, Lotus, SmartSuite, Centre Vue 9.0; Fast Data; Accurint; and PowerPoint; People Soft; FiServe, E-Oscar, ALEX- On line training tutorial; and Brio.
338 Warminster Road, Horsham, PA 19004
Unit Supervisor 1, East and West Coast Operations
* Instituted loss control initiatives that resulted in a 1.87%reduction in gross losses.
* Designed Roll Rate reporting and Client performance reporting for the purposes of productivity measurement and contract compliance validation.
* Created job-sharing, cross training, and mentoring programs, which encouraged teamwork, expanded knowledge, enhanced self-stem, and increased the value between employee and organization.
* Designed a reward recognition program that created focus on department goals and objectives including cure rate performance, overtime control, risk management and loss mitigation.
* Created Associate Development Co-coordinator to manage the program, maintain database, run performance metrics reporting, and insure compliance with programs.
* Expanded the use of the predictive dialer technology into the later stages of delinquency and into the recovery stage, which reduced staffing needs by 3%.
EDUCATION
Temple University Candidate for BS
Major: Finance 09/1991-06/1994
SOFTWARE
ADP/computer Experience-ALLTELL Mortgage Servicing System (C.P.I.); Windows 95/98; LSAMS Mortgage Servicing System; ITI Mortgage Service System; MCC Mortgage Service System; Call Support, CMS, Predictive Index Behavioral Scoring; Magellan and Davox Predictive Dialers; Excel, WordPro; AmiPro, Lotus, SmartSuite, Centre Vue 9.0; Fast Data; Accurint; and PowerPoint; People Soft; FiServe, E-Oscar, ALEX- On line training tutorial; and Brio.
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