Manager Sales

William L Smith

***** ***** *******

Temecula, CA. 92592

Ph: 951-***-****

e-mail: abnwk2@r.postjobfree.com

EXPERIENCE

*/****-******* ********* ********** INVEST. RIVERSIDE

DIRECTOR CREDIT/COLLECTIONS/SALES

Oversee both the collections departments which consisted of pre-charge off

And deficiency balance collections, as well as skip tracing. I’m also in charge of

researching and securing new clients.

10/06-2/2008 SUNDANCE CONST, IRVINE.

MANAGER CREDIT/COLLECTIONS/ANALYST

Control credit/collections by implementing and maintaining systems, procedures

and policies for all accounts, including past due, settlements, charge backs, and

all data processing for invoices and returns. Extend or deny new credit by

approving or rejecting credit by studying customer's or potential customers

financial status, from credit reports, D/B reports, in order to evaluate reputation

of applicant. Expedite collections minimizing losses from bad debt including

problem accounts including customer payment plans, and credit hold restrictions.

Prepare special credit reports by collecting, analyzing, and summarizing account

history and trend information, as well as help collectors when necessary to call

and collect on past due accounts. Responsible for all reporting, hiring, and

disciplinary actions of staff of eight (8) employees. Perform a full range of

managerial duties for employees including recruitment, salary administration,

performance reviews, coaching/counseling, and employee development.

9/2001 – 9/2006 SAN DIEGO

HSBC

MANAGER

Manager in the Asset Recovery department responsible for department of 12

collectors who collect on delinquent auto loans via phone or davox dialer in the 60-

150 day category as well as PRE-CHARGE off range. Responsible for keeping these

accounts to a minimum in order that they don’t roll to our c/o dept. Responsibilities

include the assignment of all accounts 60+ days delinquent and voluntary

repossessions to the appropriate repossession agencies. Review and either approve or

decline all agent requested fees. Review customers credit history for possible

settlements or extensions or new loans. Conduct 4 call monitors per collector per

month to insure collectors stay in compliance with FDCPA and company compliance

policies. Conduct weekly one on one meetings with staff to discuss problem areas,

ideas, and concerns. Review and analyze 10 accounts per collector per month to

insure desired work being done and accounts being worked properly. Attend weekly

manager meetings. Handle all disciplinary, corrective action tasks necessary,

interview potential employees, as well as attend all mandatory management seminars

and training classes. Prepare and analyze all necessary daily reports.

4/1998 - 8/2001 ONYX ACCEPTANCE FOOTHILL RANCH, CA

MANAGER/DM SPECIAL COLLECTIONS DEPT

Manager of specialty groups (deficiencies, asset recovery,, bk, civil and small

claims) for leading auto finance sub-prime lender, managing department of 48,

deficiency collectors, deficiency skip tracers, full balance skip tracers, legal reps,

legal collectors, bk 7 & 13 reps, credit reps and all clerical staffs of dept. Brought

recoveries from averaging $1,000,000 a month to over 9 million dollars+ a month,

which greatly reduced our monthly bottom line loss number. Department exceeded

department goal of $850,000 each and every month. Responsible for counseling

employees to improve performance in needed areas, provided training and support,

reviewed and wrote up all performance appraisals, as well has handling all

department hiring, terminations, and ensured all department reports were completed

and turned in a timely manner. Review and analyze client credit and credit history

for possible new loans, managed all review of vendor invoices from repo agents,

attorneys outside vendors etc, and okd all payments of those invoices. Conducted

regular management meetings for the purpose of product knowledge and any

changes in policy and procedure.

6/1991 - 2/1998 VIRTUAL CONCEPTS, IRVINE, CA

PRESIDENT

As president of auto racing simulator company, my duties were to oversee entire

company operation from department functionality, to production schedules being

met, marketing, working with all sponsors, racing promotors,vendors, which

included working with our outside trucking companies to make sure our racing

trailers were on site when needed. Kept sales and production staffs informed of any

new company or policy changes. Conducted presentations at all media functions.

Handled all credit review and analysis of credit histories and d&b reports for credit

decisions of loans from $25,000 to multi-million dollar accounts, as well as handle

collection of past due invoices from sponsors or vendors ranging from a few

thousand dollars to several hundred thousand dollars

9/1974 - 8/1990 DETROIT, MICHIGAN

GMAC

VP DEALER AUDITS

Oversaw audits of gm dealerships for floor planning violations and fraud for 3 states.

From Sept of 1974 to august of 1976 I was a repossession spotter. From there I was

promoted to front end collection supervisor overseeing a staff of 15 until October of

1979. I was then promoted to dealer marketing and then to dealer audit department,

where I had a staff of 12 that covered a 3 state area doing dealer audits.

SKILLS

ABILITY TO COACH/MENTOR. COMPLETE TASKS ON TIME. MULTI-

TASKING. BRING MANY YEARS AND EXPERIENCE AND DEDICATION

TO AN ORGANIZATION.

EDUCATION

FORT LEWIS COLLEGE BUSINESS MANAGEMENT

SOFTWARE/SKILLS

MICROSOFT OFFICE

SAP,AS400,SHAW

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