BRENDA CARDA

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

Aberdeen, SD *****

Phone: 605-***-**** Email:

abikqh@r.postjobfree.com

SUMMARY

Results-oriented business management professional with experience in Human

Resource Management, collections, sales and development of team members. A

reputation for building high performing teams and for the ability to lead,

develop, and motivate team members to exceed expected production numbers.

A highly organized analytical decision maker with excellent problem solving

skills.

PROFESSIONAL EXPERIENCE

Student Loan Finance Corporation, Aberdeen, SD

2010-2010

Loan Originations Specialist

Responsible for maintaining the portal through which new business enters

the company. Facilitate the origination of student loans; represent

services to partnering lenders, schools and guarantors, and manage the

development of new lines of business.

. Assist students with problems/questions and provide appropriate

coaching, direction and resolution.

. Monitor the daily workflow and processing of education loans based on

established credit criteria. Monitor credit bureaus and scoring

processes.

. Identify customer preferences and needs. Develop and ensure superior

customer service through the origination process and recommend

appropriate strategies for achieving customer satisfaction and

fulfillment.

. Ensure the application and origination process complies with the

companies' policies and procedures, banking law and regulation and

guarantee agency rules and fulfillment.

PROGRESSIVE FINANCIAL SERVICES, Aberdeen, SD 2009-2010

Texas Guaranteed Student Loan Collector

Collected on defaulted student loans for Texas Student Guaranteed Student

Loan Agency by maintaining a portfolio of accounts and exceeding assigned

monthly goals. Mentored new team members by training them on the

collection process, negotiation techniques and student loan programs.

. Review credit reports for customers and make recommendations to resolve

federally defaulted student loans.

. Awarded collector of the month five times.

Brenda Carda Page 2

WELLS FARGO & COMPANY, Aberdeen, SD 1996-2009

Collection Manager II

2006-2009

Led and developed six supervisors and 120 team members. Direct oversight

and responsibility of early stage auto loan delinquencies with an

outstanding loan value over $25 billion.

. Developed and implemented new training program for sites early stage

collections resulting in 3 month decrease in ramp up time and savings of

$1.2 million.

. Recruited, hired and trained over 185 new team members resulting in 65

promotions to late stage collections.

. Coached supervisors on daily activities including; monitoring team member

performance to identify strengths and improvement opportunities and

resulted in increased collections.

. Developed and coached supervisors resulting in 6 promotions to late stage

collections.

. Analyzed existing scheduling strategy and implemented changes to increase

overall right party contact by 24% and gross revenue by $1.5 million.

. Initiated account reviews and monitoring requirements for supervisors to

ensure quality assurance standards, company policies and federal

regulations were met.

Human Resources Manager

2004-2006

Responsible for managing all human resource consultation for multiple

business units with 320 team members; staff of 5.

. Designed and delivered management training on counseling and corrective

action, managing for premier performance, affirmative action,

compensation and diversity.

. Implemented long-term business objectives that align with corporate

vision to modify business unit with net revenue increase of $12 million.

. Designed management-training program providing needed bench strength in

department to create career path for non-management employees, improving

retention rates by 7.5%.

. Facilitated survey groups and increased the overall Aberdeen site's

rating to one of the highest in the company.

. Led and implemented diversity team at location creating and ongoing

awareness and benefit of diversity in the workplace.

Branch Manager - Guarantee and Government Services

2001-2004

Directed, developed and monitored programs and policies for multiple 3rd

party collection contracts. Led and developed five managers and 120+ team

members.

. Managed and adjusted account inventories and calling strategies to

improve collection results.

. Developed and implemented successful coaching program that improved

collection results by 15-20% and reduced turnover by 8%.

. First place contractor in 9 out of 10 quarters during EdFund contract

resulting in and additional $500 million quarterly bonus for company.

. Number one collection contractor for the Minnesota Child Support

Division, collecting on past due child support.

Brenda Carda Page 3

Collection Manager EdFund, Purchased Accounts and Financial Recoveries

1998-2001

Directed and developed a team of 5 supervisors to manage a 3rd party

student loan contract, an acquired debt portfolio and collection portfolio.

. Managed and adjusted account inventories and calling strategies to

improve collection results.

. Designed and implemented a new Purchased Accounts Division that created

an additional $5 million annually to company.

. Developed and implemented the Financial Recoveries Division that provided

an additional $8 million annually to company.

EdFund Associate Collection Manager

1997-1998

Responsible for the direct supervision of 25 team members collecting on a

3rd party student loan contract. Hired, developed and trained team

members. Developed collection strategies exceed assigned goals.

. Consistently ranked as #1 third party contractor on the EdFund contract

10 out of 12 quarters.

. Awarded quarterly contractor bonuses, which provided an additional $1.2

million in revenue.

. Selected as Collection Manager of the Year in 1998.

EdFund Collector/Team Leader 1996-

1997

Collected on defaulted student loans by maintaining a portfolio of accounts

and exceeding assigned monthly goals. Mentored new team members by

training them on the collection process and negotiation techniques.

. Awarded collector of the month 7 times.

. Earned the 1997 collector of the year award; highest dollars collected at

year-end.

Education

. Bachelor of Arts Degree, Major Sociology/Minor Criminal Justice

. Northern State University, Aberdeen, SD

Leadership Training

Earning the Right to Lead LEAD Program

Insights 360-Degree Review Flawless Consulting for Human Resource

Managers

Corporate Diversity Council Coaching for Premier Performance

Performance Counseling and Corrective Facilitation and Presentation

Action

Human Resources Investigation Affirmative Action Training

Training

Community Service

. Safe Harbor, Vice President 1999-2000

. Junior Achievement Classroom Consultant

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