Manager Quality Assurance

Michael Bell

Home- 732-***-****

***********@*********.***

Fax 732-***-****

SUMMARY

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Credit Manager with 24 years experience working with large and small

businesses.

My management experience is with departments with 35-50 employees, and I

am experienced in Great Plains, SAP, Microsoft office, Info Lease, AS400,

Mas 90, SQL, and many other leasing, credit and lending platforms.

A positive, innovative leader; open to fresh ideas and championing an

environment of transparent communications that welcomes feedback and

inspires teams to excel. A responsible "take charge" manager who maintained

and directed all outside agencies, including but not limited to the

negotiation of fees and terms, daily monitoring of accounts and the

communication of productivity goals. Served on several credit and

collection boards at various institutions to improve credit and collection

implementation, streamlining systems when necessary. Excellent customer

service record with the understanding that the credit function is a

supporting agent to sales and profitability. Dynamic relationship builder

who has taught classes on credit and collections and developed strong ties

to outside vendors, inside sales staff and management.

Consistently reduced and maintained a bad debt percentage of less than 1%

and always remained under budget for annual analysis. Commercially-astute,

influential, and people-focused. Proven track record reducing delinquencies

and bad debt, maximizing recovery, improving quality assurance, ensuring

quality training and staff development and increasing morale.

Seasoned credit and collections manager/analyst acknowledged throughout

career for capacity to cultivate strategic relationships and build trust,

while simultaneously steering positive bottom-line results and protecting

the assets of the corporation.

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CAREER PROGRESSION

MetLife 2009 - Present

Financial Analyst/Advisor

Entered into the field of financial advisement; this enhanced my skills in

negotiation, communication and credit scoring. After extensive training,

responsibilities were to secure new clients, examine credit reports and

make credit recommendations.

Healthcare Finance Group 2008

Senior Credit Manager/ Vice President

. Responsibilities were as a supervisor of the company's credit and

collections department and a group of lenders.

. Reviewed all legal documents for compliance to company policy and the

Patriot Act.

. Presented all prospective customers to credit committee.

. Maintenance and upkeep of all client files and legal documents for

internal and external audits.

. Reviewed and managed all credit department activities and managed a group

of collectors consisting of 7 individuals.

. Liaison between staff of 7 employees and senior management.

. Traveled as necessary to maintain strong relationships with existing

customers and manage workouts.

Israel Discount Bank/Factoring Division 2000-2007

. First Vice President/Credit Manager

. Started small cap factoring division from inception with 30 direct

reports.

. As a senior executive, managed the credit and collections department with

minimal write offs to the factor as maintenance and negotiations were a

priority for collections.

. Prepared budgets semi annually for management review.

. Managed, negotiated and reviewed all commercial reporting and collection

agency activity.

. Managed associates in fraud protection department and was direct liaison,

with respect to legal matters, with all outsourced attorneys.

. Established all credit policies for new division including but not

limited to, lines of credit, credit file administration and

credit/collection policy.

. Control and maintenance of a portfolio of $700 million in customer volume

with a credit line, approval, on own, of $5 million.

. Managed compliance issues for all clients as per the Patriot Act.

. Maintenance and upkeep of all customer files and legal documents for

internal and external audits by the FDIC. These audits for the six years

of my tenure have never had any exceptions.

. Produced, reviewed, and signed all contracts as the liaison in the legal

process.

. Analyzed all aspects of the customer's financial and projection

reporting.

. Personally managed 200 million in volume, as senior officer.

. Presented all prospective customers to credit committee.

. Team member for research and development of systems and integration into

the credit process.

. Managed underwriting function as final reviewer before credit committee

presentation.

MTB Bank/ Factoring Division 1997-2000

Vice President/Credit and Portfolio Manager

. Manager of credit and collection department with 10 direct reports and an

internal credit line of $3.5 million.

. Managed the credit and collections department for the factoring and trade

finance groups with minimal write offs during tenure.

. Prepared budgets annually for management review.

. Managed, negotiated and reviewed all commercial reporting and collection

agency activity.

. Maintained all credit policies for division.

. Presented most prospective customers to credit committee for approval.

. Wrote and reviewed underwriting of prospective customers before credit

committee presentation.

. Reviewed and managed all UCC filings for accuracy and collateral content.

Finova Capital Corp 1985-1997

Vice President/ Credit Manager

1991-1997

Credit Manager

1985-1991

Started in credit department as a senior credit analyst and collection

department manager.

. Managed and maintained all contracts and negotiations with outside

collection agencies.

. Responsible for file maintenance and personal interaction with all

customers with an internal line of $2 million.

. Group leader of 7 Credit analysts responsible for $850 million total

customer volume.

. Maintained all credit policies for department.

. Prepared and presented prospective customers to credit committee for

approval.

. Wrote and reviewed underwriting of prospective customers before credit

committee.

. Liaison between staff of 20 employees and senior management.

Slavenburg Factors

1984-1985

Collector/promoted to credit investigator in 3 months.

TRAINING:

Omega- formal credit training.

BSA compliance & patriot act training through Deloitte & Touch .

EDUCATION:

Michigan State University 1979-1983

New York Institute of Credit 1986

CERTIFICATIONS:

Finra. Licensed in the state of New Jersey and New York: Series 6, Series

63, Life and Health.

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