Experience

Matador Motors

• United States
• Motor Vehicle Manufacturing
• 1 - 100 Employee

• Senior Portfolio Manager

  • Dec 2017 - Present

  Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution. • Interact with customers to obtain additional credit information to support credit lines • Reconcile transactions and balances to maintain accurate accounts • Initiate credits and adjustments to customer accounts within company policy limits • Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents • Submit requests to senior management and supporting documentation for accounts requiring credit lines • Research and make decisions on finance charges • Maintain bad debt and bad debt recovery records • Monitor receivables and collections and provide updates of receivables and provide appropriate reporting procedures • Identify problem accounts and provide regular updates of receivables to management • Negotiate payment programs with delinquent customers • Identify accounts requiring collection agency or legal action and coordinate collections with third party contractors • Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate • Develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implement liens as necessary to major delinquent account as approved Show less



South Plains Acceptance

• Portfolio Director

  • Jan 2009 - Jun 2011

  • Create a credit risk management environment of an acceptable quality, in terms of established credit guidelines • Assist in developing sound, acceptable credit policies • Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution. • Interact with customers to obtain additional credit information to support credit lines • Reconcile transactions and balances to maintain accurate accounts • Initiate credits and adjustments to customer accounts within company policy limits • Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents • Submit requests to senior management and supporting documentation for accounts requiring credit lines • Research and make decisions on finance charges • Maintain bad debt and bad debt recovery records • Monitor receivables and collections and provide updates of receivables and provide appropriate reporting procedures • Identify problem accounts and provide regular updates of receivables to management • Negotiate payment programs with delinquent customers • Identify accounts requiring collection agency or legal action and coordinate collections with third party contractors • Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate • Develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implement liens as necessary to major delinquent account as approved • Generates legal documents used in the credit function SUPERVISORY RESPONSIBILITIES Manages one (1) subordinate, a credit analyst. The credit manager is responsible for the development and creates an environment to help motivate the subordinate to optimize their performance and professional growth. Show less



Fiesta Acceptance

• Portfolio Director

  • Jan 2005 - Jan 2009

  • Create a credit risk management environment of an acceptable quality, in terms of established credit guidelines • Assist in developing sound, acceptable credit policies • Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution. • Interact with customers to obtain additional credit information to support credit lines • Reconcile transactions and balances to maintain accurate accounts • Initiate credits and adjustments to customer accounts within company policy limits • Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents • Submit requests to senior management and supporting documentation for accounts requiring credit lines • Research and make decisions on finance charges • Maintain bad debt and bad debt recovery records • Monitor receivables and collections and provide updates of receivables and provide appropriate reporting procedures • Identify problem accounts and provide regular updates of receivables to management • Negotiate payment programs with delinquent customers • Identify accounts requiring collection agency or legal action and coordinate collections with third party contractors • Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate • Develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implement liens as necessary to major delinquent account as approved • Generates legal documents used in the credit function SUPERVISORY RESPONSIBILITIES Manages one (1) subordinate, a credit analyst. The credit manager is responsible for the development and creates an environment to help motivate the subordinate to optimize their performance and professional growth. Show less


Transouth Financial
• Senior Collector

  • Jan 2001 - Jan 2004

Consumer Portfolio Services
• Financial Services
• 300 - 400 Employee
• Senior Collector

  • Jan 2000 - Jan 2001