Michael Gerdwagon ***** Streamside Lane, Riverside, CA 92503

951-***-**** Email: abj6rc@r.postjobfree.com

Delivering outstanding customer Service and collections performance

Accomplished exceptional customer service and collections skills in demanding business

settings. Comprehensive knowledge of collecting, settling, and skip tracing on minimally

past due to charged off accounts. Proven ability to establish relationships with customers,

vendors, and attorneys in the collection industry. Trained co-workers in past companies.

Proficiency in identifying and responding to opportunities that improve profitability.

Core Competencies

Customer Service Negotiation Cost Reduction

Skip Tracing Team Building Strategy Planning

Staff Development FDCPA Productivity Improvement

Budget Management Project Development P & L Management

Computer skills include MS Office (Word, Excel, and PowerPoint)

Professional Experience

Aisle One Merchandising 1/2013 – 10/2013

One of the top grocery servicers in five western states.

Merchandiser for Ralphs and Superior Grocers in Southern, CA

Service clients throughout the grocery industry.

Maintained a given territory of super markets and independent grocery

chains, ordering product, re-stocking shelves, and rebuilding shelving

units according to store schematics.

Used spatial abilities to efficiently re-stock shelves.

Remodeled grocery stores in a team of 10 – 30 people.

Performed duties on a 24 hour basis.

Toyota Financial Services Central Recovery 11/2001 – 10/2008

Third largest captive auto finance company in the world.

Managed all aspects of their charged-off inventory, including repossessions, collections,

settlements, and collections of the non-secured deficiency balances, post repossessions.

Maintained an average of 30 repossessions a month.

Achieved 100,000 – 250,000 in collection dollars a month.

Applied collection follow-up efforts with customers to generate and

deliver recovery dollars on an assigned portfolio.

Exceeded monthly goals through settlements and payment arrangements.

Utilized Toyota’s Host collection system in order to work accounts.

Performed account analysis to target recovery strategies to determine

appropriate internal collection follow-up.

Safeguarded unnecessary legal exposures to the company by recognizing

and forwarding bankrupt and deceased customer accounts to my

supervisor in a timely manner.

Processed all attorney, vendor, and customer correspondence associated

with my account portfolio through proper review, analysis, and response.

Selected Accomplishments

Accumulated more than 6 million dollars to the department.

Worked with filing claims against unscrupulous body shops.

Aligned myself with the LAPD and used my skip tracing skills to secure

an $80,000 Lexus LS 430.

Toyota Financial Services, Arcadia Branch 7/2000 – 11/2001

Managed all aspects of inventory that was 30 – 90 days past due, including collections,

payment extensions, and repossessions.

Performed collection activity for 100 – 150 accounts with a monthly

average of 2.50% in delinquencies, 2% under the regional goal of 2.55%.

Demonstrated excellent skip tracing skills and limited branch loss to

.03%, which was the lowest in the region.

Aligned myself with customers by helping them go through their bills and

worked out a plan to get them current on their auto loan.

Worked with Toyota’s vendors, such as repossession companies and legal

counsel to secure collateral.

Obtained a new repossession company and sold them to management and

my co-workers.

Selected Accomplishments

Received the Western Union Champion Collector award for the first

quarter of 2001.

Selected for listing in Professional Collector magazine in 2001.

Ford Motor Credit 4/1997 – 7/2000

World’s second largest captive auto finance company.

Dealt with 100 – 150 accounts with a monthly average of 2.15% in

delinquencies, .65% under branch maximum of 2.80%.

Developed a more effective way to work accounts by creating customer

sub-units within my base according to delinquency levels.

Improved my work environment through contributions in the Customer

Service Index committee, by organizing contests and motivational skits.

Trained six newly hired employees while managing my accounts.

Education

University of California, Riverside

Bachelor of Science in Economics

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