Experience

New South Federal Savings Bank

• Banking
• 1 - 100 Employee

• Audit / Default Manager in Floor Plan Lending

  • Mar 2007 - Present

  •Manage Audit Department. Responsible for overall direction, coordination, and evaluation of staff •Coordinates the scheduling and reconcilement of monthly site audits of all Dealer Floor Plan inventory that is conducted by National Audit Services •On-site audits/inspections of Floor Plan Dealers, when necessary •Attend loan closings of new Floor Plan Dealers, when necessary •Trend analysis of each Floor Plan Dealer and maintain reporting thereof. •Work with National Audit Services to prepare and approve monthly audit schedules for each Dealer’s inventory •Reconcile and approve each audit conducted by National Audit Services. •Follow up on any exceptions with dealer to verify the whereabouts of each vehicle not available for inspection •Freeze Floor Plan Lines, when necessary •Oversee the auditing and collections of all “Workout” Dealers •Manage the auditing and monthly reporting on the “Watch” or “Risk Rated” Dealers •Monitor pay offs and documentation of all sold vehicles and maintain weekly reporting of those vehicles to Senior Management •Maintain a file of all inspections for each Dealer Floor Plan Line •Follow-up with Dealers on overdue curtailments and vehicle loan maturities Maintain a summary report, by Dealer, which is forwarded to Senior Management for review •Assign the foreclosing of default Dealer’s property(s) to an attorney and do follow-ups, when necessary •Oversee the repossessing of vehicles of any default Dealers, when needed. Coordinate the selling of vehicles at Auction and attend Auction as Bank representative Show less



Northwest Georgia Bank

• United States
• Banking
• 1 - 100 Employee

• Assistant Vice President/Special Assets Manager

  • Sep 2006 - Mar 2007

  •Managed the collection department in an effort to reduce Bank delinquency and charge offs through early recognition of potential problems •Responsible for department hiring, training, assigning and directing work, appraising performance, and resolving problems •Led the recovery effort of the Bank in an effort to maximize the recovery of previously charged off loans •Led the effort of working with loan officers, as well as customers, on loans and other assets determined to be problem assets •Made proposals to Senior Management and/or Loan Committee on possible strategies and/or decisions regarding possible foreclosure and repossession of collateral •Monitored all accounts and requested change to the appropriate risk rating, when needed •Managed the repossessed and foreclosed assets of the Bank and made recommendations as to the disposition of those assets •Worked with legal counsel on matters relating to collection of problem loans and in bankruptcy matters Show less



Superior Bank

• Banking
• 100 - 200 Employee

• Asst. Vice President/Special Assets

  • Feb 2004 - Jun 2006

  •Managed the collection department in an effort to reduce Bank delinquency and charge offs through early recognition of potential problems •Responsible for department hiring, training, assigning and directing work, appraising performance, and resolving problems •Led the recovery effort of the Bank in an effort to maximize the recovery of previously charged off loans •Led the effort of working with loan officers, as well as customers, on loans and other assets determined to be problem assets •Made proposals to Senior Management and/or Loan Committee on possible strategies and/or decisions regarding possible foreclosure and repossession of collateral •Monitored all accounts and requested change to the appropriate risk rating, when needed •Oversaw the assigning of consumer and commercial customer’s Bankruptcy filings to attorneys and did follow-ups, when necessary •Managed the repossessed and foreclosed assets of the Bank and made recommendations as to the disposition of those assets •Worked with legal counsel on matters relating to collection of problem loans and in bankruptcy matters •Attended court, if necessary, for litigation Show less