BOB TIDWELL
** ***** ***** ****** *********, TX *5076 469-***-**** adxplz@r.postjobfree.com
SUMMARY
Experience in financial services management utilizing knowledge and expertise in legal entities and business law concepts. Demonstrated success in partnering with sales teams to increase revenue and provide credit risk metrics. Enjoy working in a fast-paced, collaborative team environment that is passionate about providing a strong customer experience.
•Policy & Process Improvement
•Adept at Sales
•Training & Mentoring
•Information Gathering/Vetting
•Service Delivery Excellence
•Interviewing of Potential Clients
EXPERIENCE
Pottsboro ISD, Middle School 2023
Para-professional, Special Education
Self-Employed 2022 to 2023
Substitute Teacher for Middle Schools in Denison ISD and Pottsboro ISD
Eden Landscaping Services 2016 to 2022
Billing and Collection Manager (9/2016-5/2022)
Landscaping repairs performed for major homebuilders in DFW area. Increased collected revenue by $400k annually.
Paradigm Tax Group 2015 to 2016
Credit Manager (7/2015-2/2016)
Hired in a temporary advisory role. Determined root causes for extreme level of A/R delinquency. Changed culture of the company to recognize and address delinquency promptly. Monitored client compliance with contracts. Reduced 30+ days delinquency from 65% to 15%.
Chase Paymentech, Dallas, TX 2011 to 2014
Credit Manager, Site Survey group (6/2013–9/2014)
Managed the workflow for the Site Survey business unit which verified the existence of and contract compliance by clients. Created production metrics for the unit, setting benchmarks for productivity and quality. Instituted audits to ensure quality performance. Improved processes, enabling the unit to catch up on 3 months of backlogged work queues. Updated credit policies and created/maintained standard operating procedures. Improved relations via meetings with numerous internal customers, eliminating customer service-related escalations to senior management. Coached and mentored 6 employees, resulting in stronger work ethic and understanding of policy.
Sr. Portfolio Credit Analyst (3/2011-5/2013)
Underwrote merchant applications for credit card processing, consistently lead in approval % and quality of underwriting. Improved the processes and workflow for the Underwriting Revisions business unit by capturing more data with existing software apps, reducing our dependency upon spreadsheets. Improved communication and coordination of information with internal sales partners. Updated credit policies and created/monitored compliance with standard operating procedures.
ArtFloors, LLC 2009 to 2011
Owner/Principal
Created business plan for marketing innovative custom flooring product; contacted, screened and closed potential distributors - achieved closure rate of 80%; conducted cold calls, presented at trade shows and networking groups to increase sales to residents and commercial accounts.
Harley-Davidson Services, Inc., Plano, TX 2000 to 2009
Credit Manager, Aircraft Lending Division (11/2001-3/2009)
Underwrote transactions for consumers with a high net worth, averaging $600K per transaction with a lending cap of $3M while consistently maintaining credit application approval rate of 75+%; reduced 30+ delinquency rate from 4% to .35% by introducing new underwriting criteria. Performed as a credit subject matter expert in the development of new retail underwriting software. Reviewed/audited all credit approval submissions for accuracy and compliance with underwriting protocols. Leadership role in the development and presentations of formal process improvement initiatives throughout HDFS. Improved relations with our primary broker for sourcing new business and increased the market share with the broker from 50% to 90% within 3 years.
Sr. Credit Analyst - Harley-Davidson Credit Corporation (12/2000 - 10/2001)
Performed detailed commercial credit reviews, including financial statement analysis of Harley-Davidson dealerships for committee decision. Experienced no losses in my portfolio.
Recommended and implemented wholesale credit lines ranging from $6M-$8M.
Self-Employed 1999 to 2000
Business Developer/Credit Card Processing - Agent of National City Bank (Dallas, TX)
Contacted local retail merchants on a cold call basis to purchase or lease VISA and MasterCard processing equipment. Maintained a closure rate of 70%.
Associates Commercial Corporation (CitiGroup), Irving, TX 1989 to 1999
Senior Credit Analyst, Transportation Division
Facilitated approval of wholesale inventory financing as well as retail and lease finance transactions submitted by branches requiring home office approval. Performed detailed credit reviews of truck dealerships, including financial statement analysis. Recommended and implemented wholesale credit lines ranging from $6M-$8M. Conducted audits of regional branch offices throughout the United States to ensure compliance with credit policies and procedures.
Region Servicing Manager, Manufactured Housing Division
Established, developed and managed the servicing function consisting of the customer service and collection departments, including repossession remarketing. Managed portfolio, which grew from 450 accounts to 10,000 accounts. Hired, trained and managed a staff which grew from 2 to 16 employees. Consistently maintained 30+ delinquency below 2%.
Region Credit Manager -Manufactured Housing Division
Established and developed the Wholesale Dealer Credit division for new Dallas region. Established credit facilities for 108 dealers in a 6-state area in the region’s initial 90-day period. Advised IT business unit as a subject matter expert in developing reporting data needed to improve the underwriting and collection functions.
ADDITIONAL PREVIOUS EXPERIENCE
Credit and Collections Manager, AH Belo Corporation dba The Dallas Morning News,
Regional Credit and Collections Manager, Curtis Mathes Corporation
EDUCATION
B.S., Business Administration
Oklahoma Christian University of Science and Art, Oklahoma City, OK