MARCO RECIO

760-***-****

acf66r@r.postjobfree.com

Bilingual (fluent) Spanish and English. Extensive collections background, including 3 years as collector

and 13 years combine experience as a Collections Consumer Lending Manager, Vice President of

Credit/Collections and Asset Recovery Specialist. Worked for banks (First National Bank, (Cal-Fed), third

party collection agencies (International Recovery Service), and a Credit Union (Sun Community Federal

Credit Union).

WORK HISTORY

2-03-14---Present

Collections Manager

National Credit Management

• In-charge of training all staff to ensure quality and goal achievement.

• Hire, train and discipline employees, update policies and procedures.

• Approve filing of legal process, review and attend creditors meetings.

• Monitor all the day to day Operations.

• Boost employee morals and create a competitors environment in a very positive way.

• Help and look for better skip tracing tools, and create incentives for the floor.

• Held morning meetings to encourage and promote success and help on the floor.

• Assist on collections issues such as complaint calls or help them overcome un paying

obstacles/excuses.

• Forecast/analyze portfolios.

07-25-2013 01-06-2014

Collections Manager – (Loan Servicing/Collection Agency)

Credit Solutions Corporation/CU REVEST

• In-charge of all day to day activities.

• Hire, train and discipline employees, update policies and procedures.

• Manage Credit union loans, review loan apps. And credits to determine how and what kind of

loan can we offer to salvage client.

• Approved and recommend x-collateral loans.

• Reduce delinquency, monitor, motivate and coach team leads to achieve monthly goals and

metrics.

• Review and plan strategies on who to better collect each portfolio, review penetration on accts

and collector performance.

• Maintain weekly meetings with all team leads to identify where we at, who needs help/training

and who needs to go.

• Balance General Ledger

• Create new strategies within our Industry to improve our collections and to better serve our

clients and borrowers.

• Create new methods of incentives to reward success.

• Increase our profitability by reducing cost and ensuring efficiency and accountability.

2006-07/12/12

Collections Manager – (Call Center Collections, Repossessions, Skip Tracing)

International Recovery Specialists (Third-Party Collection Agency and Repossession Service)

• In-charge of 4 branches(Phoenix, Imperial County, San Diego and Los Angeles)

• Started as a part-time Supervisor until offered full-time employment

• Responsible for monitoring all Collections and repossession activities

• Ensure team is meeting Collections and repossessions goals and metrics

• Supervise and motivate 4 mangers 8 Supervisors and a staff of 17 Collectors in a Call Center

Environment

• Build and monitor Dialer Campaigns, Monitor Collections calls, Coach Collectors on how to

close and collect problem accts.

• Maintain and Monitor staff compliance, ensure and address at all times that customers are treated

with respect and courtesy.

• Create and Pull reports that analyze length of time on a call, dropped calls, peek times, and

additional factors that could be adjusted on the predictive dialer system.

• Train and Oversee the Skip tracing supervisor on accounts that a collector cannot locate

• Perform internal monthly audits and reconciliations on accounts

• Review and Approve the filing of small claims documents for clients

Manage BK within standard guidelines.

• Perform regular reviews with supervisors on accounts in order to recommend field visits

• Advice Owners/Investors of potential problems with customers aging report as associated with

the cash flow.

• Manage timely payment of invoices

• Create strategies for marketing in order to absorb and maintain our clients.

2002-2006

Collections & Consumer Lending Vice-President

Sun Community Federal Credit Union

• Responsible for all Collections activities; Provided support and training to other departments as

needed

• Reviewed and created policies and procedures for Collections Department

• Scheduled and conducted all department trainings.

• Served on several committees (delinquency committee, credit committee, and ALM)

• Implemented and maintained Collection systems, delinquency control, and recovery of credit

union assets

• Prepared and reviewed delinquency reports for critical accounts

• Established satisfactory payment process

• Prepared monthly reconciliations for several general ledger accounts

• Prepared financial analysis reports that were communicated to the Board of Directors

• Interfaced with attorneys, collection agencies and outside collection organization

• Responsible for loss prevention

• Administered the repossession of collateral securing delinquent loans and provided for disposition

of repossessed property as provided by law

• Initiated foreclosures, maintained control of and assigned charged-off accounts to attorneys and

collection agencies

• Prepared and submitted insurance claims for credit life and disability as well as CPI and Gap

claims

• Approved loan extensions and re-writes, guarantee of title

• Oversaw the lending department, produced monthly reports to the Board, and approved

exceptions to loan of policy

• Approved, Deny Credit (Auto Loans, Lines of Credits, Credit Extensions and Rewrites) to Credit

Unions Members base on they’re credit worthiness or payment history.

2001-2002

Regional Office Manager

TruGreen Lawn Care

• Full charge responsibility of the entire region (Southern California to Arizona and Nevada) for

Accounts Receivable and Payable

• Built and established relations with clients

• Forecasted the P/L and DSO of the 12 branches

• Conducted a weekly A/R call with the branches in order to monitor the advancement and follow-

ups in the Aging reports

• Ran daily reports that would report the Profit Margin and Delinquency for each of the branches;

used the report to communicate what each branch manager should focus onVisited and supported

all the branches once a week (local branches, AZ, and NV)

• Maintained day-to-day contact with A/P department to ensure what P.O.'s and invoices had been

processed in order to avoid any credit hold on the branches

• Conduct Seminars

• Perform Walkthrough with clients on construction site.

1998-2000

General Office Manager (Collections)

Credit Bureau of San Bernardino

• In charge of the Collection department, including skip accounts

• Met personal monthly goals, enforced judgments, and provided customer service to all clients

• Motivated the staff and monitored performance to ensure they called between 60 and 80 accounts

each day

• Followed up with court dates, performed Payroll, bank deposits, and business development

1995-1997

General Manager (Collections)

Moreno Valley Collection Services

• Supervised the Collection department for 8 months as Supervisor, and then as General Manager

• Met the monthly goal of over 100 calls per day asking for monthly payments

• Accounts that were 15-120 days delinquent were either made current or paid in full

1994-1995

Collections Representative

First National Bank of Marin

• Made 100-120 calls per day to collect minimum payment on credit cards

• Took payments over the phone

• Focused on collecting entire amount due to bring the account current and available to use again

EDUCATION

• Attended UNLV (University of Las Vegas Nevada) - studied Business Administration

• Burbank Senior High School: Graduate

COMPUTER SKILLS

Computer Literate; proficient with Microsoft Works, Excel, and Word Perfect

• Collections Programs: Collect for Windows, AmcolSystems, Austin Logistics, Debt Master,

Dacks, Win-cat, XP, and Smart Dial

• Accounting programs: Peach Tree, Solomon IV, QuickBooks, JD Edwards

• Skip Tracing: Merlin, Accurint, and People Search

CERTIFICATES AND MEMBERSHIPS

• President and Coach of PAL (Police Athletic League)

• Member of the San Bernardino Rotary Club

• Treasurer for the Volunteer center of the Inland Empire

• Member of the American Collectors Association (Certify on FDCPA Regulations)

• Member of CARL (California Association of Licensed Repossessors)

• Licensed Repossessor in California RA#1386

• Trustee of the Elks Club

ACCOMPLISHMENTS

• Wrote a book on how to be a better Collector/Supervisor and Skip Tracer (soon to be published)

• Volunteer and give back to the community for the things received from it, Current University

Football Team(2014)

• I’m a father.

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