Sales Management

EFREN GONZALEZ REYES

Philippines Address: *** Sierra Madre Drive, Mabini Homesite, Cabanatuan

City 3100

Home/Work Phone: +63-044-***-**** Mobile: +63-919-***-****

US Address: 24021 Norfolk Lane, Plainfield, Illinois 60544 ?Landline: 805-

609-3504

Email: *********@*****.***

HIGHLY EXPERIENCED CREDIT/RISK MANAGEMENT EXECUTIVE-LAW/JURIS DOCTOR (JD)

EXECUTIVE LEADERSHIP SKILLS ? BUSINESS DEVELOPMENT? MANAGEMENT-SOLUTION

SAVVY

MASTER'S DEGREE SPECIAL STUDIES: MBA, MA'Ed. and MASTER'S IN PUBLIC

MANAGEMENT

? INNOVATOR? ENTERPRISE RISK MANAGEMENT? LOSS PREVENTION/LOSS MITIGATION ?

FORECLOSURE

ADEPTNESS IN RELATIONSHIP MANAGEMENT ? ORGANIZATIONAL, ANALYTICAL AND

METHODICAL

INTRINSIC DISCIPLINARIAN BUT WITH FEEL FOR GOOD HUMAN RELATIONS ? DIPLOMACY

BEST AT COORDINATION, MANAGING CONFLICTS, FACILITATION AND NEGOTIATION

EDUCATION ? EXPERTISE ? EXPERIENCE ? WINNING ABILITY

PROFESSIONAL WORK EXPERIENCE:

Owner/Manager, Rapid Consultancy Initiatives 2001-present

VP, Credit Risk Management Group Head, Royce Group of Companies

Special Assistant to the President, The Good Samaritan Colleges

Assistant Manager, Credit and Operations Head, FNCB Finance (an affiliate

of Citigroup)

SUMMARY OF QUALIFICATIONS:

? Successful Executive Level Credit/Risk Management experience with profit

and loss responsibility and, streamline operations.

? A growth catalyst adept at driving start ups to rapid, profitable costs

while controlling expenses.

? Strong Leadership, Competence & Corporate Management Experience, Staff

Development, Credit and Collections-Risk Management-Loss Prevention-Loss

Mitigation, Relationship Management/Marketing, Business Development, Real

Estate Acquisition, Asset Management and all legal facets of business

paradigm operations.

? Goal oriented, self motivated, flexible and, a self starter. (Achievement

oriented).

? Superb focus to get things done. An action man or a take charge

personality.

? A good strategist, decision maker, organizational abilities and, strong

work ethic.

? Brilliant skills in customer relationship management...Superb

interpersonal skills / diplomacy, dynamic outreach and energetic

networking.

WORK EXPERIENCE : ACHIEVEMENTS AND ACCOMPLISHMENTS) Narrative

(NOTE OF THE INTERVAL OF THE PROMOTION STAGES OF MY EMPLOYMENT WHICH

DEMONSTRATED /SHOWED MY WORK ETHIC AND ADROITNESS IN ANY GIVEN ENDEAVOR).

SELF EMPLOYED SINCE 2001- present

(Rapid Consultancy Initiatives-

***Consultancy Initiatives- counsels and gives pieces of advise and helps

creditors and small lending institutions re: credit and collections

problems; collections strategy, credit investigation techniques, recovery,

skip tracing, fraud accounts and, judicial and extra-judicial recovery

aspects-Risk Management including Asset Management;

***Real Estate Sales and Acquisition- sales of agricultural, residential

and commercial lots;

Counsels individuals re conversion of land title from emancipation patent

to transfer certificate of titles specifically, agricultural lands;

Relationship Management /Marketing-builders, developers and brokers.

***Bought 2nd cars, had it repaired and sold to individuals-AUV'S,SUV's,

motorcycles;

***Put up a private (family business) lending that caters for market

vendors and some professionals who need instant cash with low interest

rates of 4% to 5 % a month.

COMPANY EMPLOYED

ROYCE GROUP (1991-2000) Cab.City,

Philippines

( Royce Group is a conglomeration of Royce Motors, an exclusive dealership

of Nissan cars; Royce Suzuki, exclusive dealer of Japanese cars and

motorcycles; Royce GoodYear Servitek-exclusive dealer of auto/truck tires,

sales and service; Royce Appliance Sales, Bayan Cars Quality Used Cars and

other business aggregates. With 50 branches in Central Luzon and Cagayan

Valley, Philippines. Engages also in buy and sell of used cars and,

Financial services

Royce Motors, Royce Appliances Sales Corporation., Royce Suzuki,

Royce Goodyear Servitek, Bayan Cars, Inc.-Quality Used Cars,

Wynnwood Pawnshop / Real Estate Business

VICE PRESIDENT, CREDIT MANAGEMENT GROUP HEAD and

LEGAL DEPARTMENT HEAD ( concurrent capacity ) (1991-2000)

(Oct.28, 1991- Specialist Hire. Started out as Manager, Credit Management

Group Head;

(November, 1991- Organized and set-up the Credit Management Group

Department as well as the Legal Department of the entire ROYCE Group;

?Oversaw the strategic credit management and operational oversight of Royce

Group and its Divisions in relation to Credit Management that provided

streamlined business operations; reduced operating costs and greater

profitability... Achieved almost perfect credit accounts due to supervision

and staff adherence to credit systems;

?Responsible for identification, investigation, analyses and evaluation of

risks and the selection of the most advantageous method of correcting,

reducing or eliminating identifiable risks

( In support to Sales Department: Developed, created, implemented and

spearheaded business plans, strategic and profitable programs; market

planning and sales promotional strategies and, business development plans

to open credit systems and transactions;

?Generated and qualified leads, marketed company's products and services to

high networth accounts, consistently exceeded all goals increasing assets

under management year over year;

(Achieved goals 200% versus forecast of the GoodYear Servitek and Royce

Suzuki and took the

No.1 dealership in the entire region

(December, 1992-For peak performance which surpassed all previous company

goals and objectives, was awarded Plaque of Recognition for the over-all

success of Royce Group specifically, Royce GoodYearServitek which led to

unprecedented growth and expansion thereby was promoted to ASST. VICE

PRESIDENT (AVP).

LEGAL DEPARTMENT HEAD ( in concurrent capacity )

(Trained and developed legal department staff re: monitor and review of

accounts endorsed to legal: chronic/hardcore or watch listed accounts;

Repossession- judicial or extra judicial foreclosure & accounts for

judicial foreclosure - Loss Prevention;

(Mentored branches credit and collections managers and staff re: skip

tracing and property searching, real and personal properties; skip tracing

and investigation of fraud accts.;

(Designated by the Pres. and CEO as the over-all LIAISON OFFICER of ROYCE

Group...Brilliant skills in pubic relation thus, liaised and effectively

established rapport and relationship that led to the collections of legal

accounts which contributed to the unprecedented growth of the company;

? Set up systems and procedures for legal accounts specifically re: skip

tracing, property searching and recovery thus, successfully accomplished

Credit Management and Legal Department's recovery-loss prevention/loss

mitigation goals that the President and CEO of Royce Group ENTRUSTED a very

sensitive but challenging special assignment:

SPECIAL ASSIGNMENT RE: ACQUISITION OF REAL ESTATE exclusively for the

President and CEO of Royce Group of Companies.

(Commercial lots (Residential lots

(Agricultural land

Successfully acquired prime lots and done petition re: reclassification and

conversion of land bought from Emancipation Patent to Agricultural land;

Residential to Commercial petition to convert emancipation patents to

new land titles (Transfer Certificate of Titles).

BRIEF HISTORY WITH ROYCE GROUP OF COMPANIES

October 28, 1991, started out as Specialist Hire-Manager, Credit Management

Group of Royce Motors, Royce GoodYear Servitek, Royce Suzuki Motorcycles,

Royce Appl. Sales Corporation, Bayan Cars Quality Used Cars, Wynnwood

Pawnshops and Real Estate Business. December 13, 1992, was promoted to

Assistant Vice President for the highly commendable performance.

May 1992, promoted to VP, Credit Management Group and Legal Department.

THE GOOD SAMARITAN COLLEGES Cabanatuan City, Philippines

Special Assistant to the President and

Part-time College Instructor 1986-1991

? Assisted the School President in running the affairs of the school[

?Taught political science, constitution, world history, ethics, basic

taxation and jurisprudence.

FNCB FINANCE (an affiliate of CITICORP ) Makati City,

Philippines

Credit and Operations Head (w/ the rank of Asst. Manager) 1978-1983

(Year 1978, Started as COLLECTIONS CLERK -Risk Mgt-Loss prevention and Loss

mitigation;

(Year 1979, promoted to SR. FIELD COLLECTOR and designated also as LIAISON

OFFICER;

(Year 1980, Promoted to CREDIT INVESTIGATOR and CONCURRENTLY, DEALER

COORDINATOR, thus captured the No.1 Finance Company status in the entire

region.

(Captured 70% of the market share and was promoted to STAFF ASSISTANT-

MARKETING OFFICER ...Competitors included Bank of America Finance,

Filinvest, Jardine Finance and other financial and banking institutions;

?Year 1981- Promoted to Asst. Manager Credit and Operations Head for

Central Luzon Region (Region 3) and Parts of Regions 1 and 2, Philippines.

(Ensured the day to day smooth flow of Branch Operations-Sales, Credit and

Collections,Branch Loan Portfolio-; Relationship Mgt./Marketing and

Communications; Credit Administration- Risk Management- Collections;

Restructuring and Remedial measures-Loss Prevention; Asset Management, Loss

Mitigation;

?Spearheaded company's organizational goals; branch sales and marketing

promotional strategies and, business development plans and achieved branch

objectives in terms of Finco market share-85% and became the No. 1

Financing Company in Regions 1, 2 and 3;

(Achieved profitability objectives set up by the Top Management in terms of

market penetration (sales and marketing) total bookings, low delinquency

rates, disposal of repossessed units/collaterals and minimized company's

expenses and maximizing staff effectiveness.

?Primarily responsible for capturing almost 85% of the market share;

? Introduced joint signature authority re: granting of credit

accounts/lines; Granted by the FNCBF Executive Committee (Excom) Single

Signature Authority with no-limit signing basis.

EDUCATION

Araullo University

Cabanatuan City, Philippines

Bachelor of Laws (LL.B.) Juris Doctor (JD) US Degree

?Sgt. at Arms- College Law Students Organization

University of Sto. Tomas/ San Sebastian College-Recoletos Manila,

Philippines

Bachelor of Arts, Concentration: Pol. Science/Behavioral

?Secretary - Parliamentarian Assembly

?PRO - Pol. Science Students Org.

?Photo Editor- Sebastinian Magazine

SPECIAL STUDIES / GRADUATE SCHOOL

Nueva Ecija University of Science and Technology

Cabanatuan City, Philippines

Masters in Business Administration (MBA) units

Central Luzon Polytechnic College

Masters in Management (M.M.) units

Cabanatuan City, Philippines

?PRO- Graduate Studies-Management

Wesleyan University-Philippines Cabanatuan

City, Philippines

Masters in Educ'l. Management (M.A.Ed.)

(With AUAP US Degree Equivalency "JURIS DOCTOR DEGREE" (JD) from ABA

accredited Law School of the Unites States of America.

CIVIL SERVICE/BOARD EXAMINATIONS PASSED

Career Service Professional (First Grade) Rating: 84.07

SEMINARS/TRAINING:

(Credit and Collections Hyatt Regency, Manila

FNCB FINANCE

(Seminar Workshop) Philippines

( Collections Workshop & Credit Investigation Baguio City, Phil. FNCB

FINANCE

?ACQUIRE Seminar (Acquisition of Real Estate)

Development Academy of the Philippines

FNCB FINANCE

(Management Training (Leadership) FNCB FINANCE

(Retail Core Credit, FNCB HO, Makati, Phil. FNCB

FINANCE

(Full Course) Consumer Services Group

(Credit Investigation Process and Techniques

(Legal Management (Loss Prevention and Enforcement

of Creditor's Rights/Documentation and Recovery FNCB

FINANCE

(Human Behavior-Organization Seminar

The Good Samaritan Colleges

.Sales and Marketing Seminar, Manila Hotel

Royce Group

AWARDS and CERTIFICATIONS:

(Collections Seminar Certification FNCB FINANCE FNCB

FINANCE

(Certificate of Recognition FNCB FINANCE

FNCB FINANCE

(Nueva Ecija Sports Development Council Foundation

Certificate of Participation, Prov'l. Capitol Compound.

Philippine Sports Commission.

Elected as PRO. Province of Nueva Ecija

Nueva Ecija

(Award of Recognition Royce Group

Top Notch as the "Brain" of Tire Installment Plan

Sales and Marketing Opportunity to Credit Aspect Royce

Goodyear Servitek

MEMBERSHIP AND ORGANIZATION

?Beta Sigma Lambda Fraternity

?Upsilon Sigma Phi-San Sebastian College Chapter- Fellow Marshall

?Cabanatuan City Bankers Association- Credit Investigation and Appraisers

Group

?N.E. Sports Development Council, PRO

?Rotary Club- elected PRO

?Brotherhood of Christian Businessmen and Professionals (BCBP)

OTHER SKILLS

Photography, Driving, Computer Literate

All statements and information herein stated are true and correct and I

have made claims of acquired competencies in good faith.

EFREN GONZALEZ REYES

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