John M. Bachtel

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

Massillon, Ohio 44646

330-***-****

330-***-**** (Cell)

E-mail: ace2dd@r.postjobfree.com

EXPERIENCE

Associated Materials LLC (Alside) – Cuyahoga Falls, Ohio January 2011 to November 2013

A Leading Manufacturer of Professionally Installed Exterior Building Products

Regional Credit Manager

Directed an assigned multi-state chain of national Supply Centers in establishing and extending

credit for new and existing accounts for the wholesale purchase of building materials through the

analysis of credit application, review of financial statements and credit history.

Directed an assigned multi-state chain of national Supply Centers in the control and maintenance

of A/R; train Supply Center Operations Managers and sales staff regarding aged accounts.

Recommended pro-active measures to insure timely and full payment of outstanding delinquent

accounts.

Mitigated accounts requiring long term plans for payment in full; set bad debt reserve;

recommended accounts for write-off.

TestAmerica Laboratories, Inc. - North Canton, Ohio August 2007 to December 2010

An International Environmental Testing Company

Credit Analyst

Researched and investigated client creditworthiness through the use of Dunn & Bradstreet reports,

internal processes, and information available on the public domain .

Maintained accuracy and integrity of the client database.

Prepared credit inquiries, lien waivers and releases, and affidavits for clients in a timely manner.

Monitored payments and status of accounts placed with collection agencies or attorneys.

Accomplishments

Selected as Team Lead for Corporate Leadership Development Program. Team’s effort resulted in

establishing a best practice for communication between TestAmerica facilities and the company’s

Cash Application Department in addition to presenting ideas to streamline credit card payment

processing which were incorporated into the Corporate S.O.P.

Magic Motors of Ohio dba JD Byrider /CNAC – Canton, Ohio December 2003 – January 2007

JD Byrider is the nation’s largest used car and sub-prime financing franchise

Collection Manager/Finance Manager

Managed the operation of the collection department and 14 member staff for multiple stores.

Reviewed and evaluated staff performance.

Developed an incentive plan.

Managed repossession inventory and subsequent monthly auction for the disposition of

collateral.

Reviewed credit application s for client creditworthiness and compliance.

Accomplishments

Introduced a management style which instilled a level of professionalism and leadership that

became a benchmark and had thereafter been referred to as “The Bachtel Factor”.

Increased monthly cash flow by 33% within first 90 days of hire and maintained that level

consistently until a defaulted LOC resulted in the sale of the larger portion of the portfolio to

maintain liquidity.

Contributed to the development of a collection department incentive program designed to improve

and reward employee performance and motivate staff.

January 2003 – November 2003

GreenPoint Credit - Columbus, Ohio (Regional Office)

A national manufactured housing lender

Loss Mitigation Manager

Directed a seven member staff of Loss Mitigation Field Representatives (LMFR) along with an

administrative assistant responsible for contacting assigned delinquent manufactured housing

accounts in a multi-state area.

Monitored LMFR collection efforts, recommending and/or authorizing various loss mitigation

tools such as extended payment plans, short sales, abandonments, and repossessions.

Completed a number of weekly and monthly reports as well as weekly staff evaluations

for review by Senior Management.

July 2002 – January 2003

Loss Mitigation Field Representative (LMFR)

Accountable for creating a regular daily schedule for personal contact with manufactured housing

customers 30 days or more delinquent, in a multi-state area as assigned by the regional office,

exhausting all means of loss mitigation tools made available by GreenPoint Credit.

Consistently achieved high percentage of resolutions in the field.

Secured abandoned or repossessed units, evaluated their condition, made recommendations for

remarketing and resale, showed units and took bids for re-sale.

Accomplishments

After successful completion of the interview process in December, 2002, was named the Loss

Mitigation Manager in the Columbus, Ohio Regional Office.

April 1997 – July 2002

The Savings Bank and Trust Company - Orrville, Ohio

A full-service community bank serving Wayne and Western Stark Counties

Collection Manager and Consumer Loan Officer

Managed the daily operation of the collection department; a portfolio that included consumer,

commercial, and mortgage loans, and money charged to loss.

Initiated the recovery process for money charged to loss.

Maintained the timely completion of monthly, quarterly, and annual reports for the review by the

Board of Directors.

Reviewed consumer credit applications for creditworthiness.

Accomplishments

Named a bank officer in February 1999.

July 1996 – April 1997

FirstMerit Mortgage Corporation - Canton, Ohio

FirstMerit Bank is a full-service multi-state bank serving Northeast Ohio and Western Pennsylvania

Mortgage Loan Originator

Responsible for obtaining customer credit information for the purpose of

approving or denying real estate mortgage credit.

November 1991 – September 1996

FirstMerit Credit Recovery Department - Akron, Ohio

Assistant Collection Manager

Managed, in part, the operation of the collection department; a portfolio that included consumer,

commercial, and mortgage loans, auto lease accounts, and money charged to loss.

Maintained the timely completion of monthly, quarterly, and annual reports for review by Senior

Management.

October 1989 – October 1991

Associates Commercial Corporation - Akron, Ohio

A national Commercial Transportation lender

Financial Adjuster (Collector)

Responsible for the daily contact of delinquent commercial (semi trucks and trailers) accounts in

an effort to resolve delinquency.

May 1987 – October 1989

First National Bank in Massillon - Massillon, Ohio

A full-service community bank serving Western Stark County

Senior Collector

Contacted chronically delinquent consumer accounts in an effort to resolve delinquency.

Reviewed fellow collector’s accounts, making recommendations to improve pr oductivity and

performance.

Developed a rapport with attorneys, repossession agents, and other contacts as necessary for the

effective resolution of delinquent accounts. Built client files for bankruptcies, repossessions, and

skips.

February 1985 – May 1987

Collector

Contacted delinquent consumer loan accounts to obtain agreeable terms for repayment.

Built client files for delinquent accounts, bankruptcies, repossessions, and skips.

.

EDUCATION

Canton Central Catholic High School - Canton, Ohio

ADDITIONAL

Completed a number of collection seminars which have covered various aspects of collections

(bankruptcy, repossession, etc.) as well as training programs dealing with customer service,

management and supervision, workplace diversity, performance assessment, team building, and

recognition of drug and alcohol abuse.

Service as an Auxiliary Board Member of the Massillon Area Boys and Girls Club 1995 – 2000.

Service on the Board of Trustees for Consumer Credit Counseling Service of Stark County 1999 –

2000.

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