Manager Management

CHRISTOPHER KURIAWA

*** ****** ***** ********, *.J. 07016 908-***-**** (

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

OBJECTIVE

Seeking a challenging, multi-faceted position in the credit, collections,

banking or mortgage industries providing the opportunity to utilize my

extensive experience in loss mitigation, management and lending.

PROFESSIONAL EXPERIENCE

FRANKLIN CREDIT MANAGEMENT CORPORATION, Asset Recovery Specialist and

Collections Manager, March 2006 - Present

SN SERVICING CORPORATION, Senior Asset Manager, January 2000 to October

2005

FULL SPECTRUM LENDING, Branch Manager, January 1999 - August 1999

AVCO FINANCIAL SERVICES (Acquired by The Associates in 1999 & CitiFinancial

in 2000)

Senior Manager, Clifton, New Jersey April 1996 - December

1998

Senior Manager, Linden, New Jersey April 1988 - March

1996

Branch Manager, Elizabeth, New Jersey April 1986 - March 1988

Branch Manager, Englewood, New Jersey June 1985 - March 1986

Assistant Manager, Union, New Jersey April 1983 - May 1985

V Managing Business Relationships: Utilize experience, expertise and

interpersonal skills to create beneficial relationships with the

clients, lenders, attorney advisors and other stakeholders through

effective communications, conflict resolution, anticipation of issues,

and consistent responsiveness. Able to describe complex financial

arrangements in easy to understand terms for customers and creditors.

V Supervisory Leadership: Exceptional organizational, management and

teamwork skills to guide, mentor and support staff in a fast-paced,

matrixed environment to deliver results that exceed expectations.

Capable of operating independently, as a team member, or as an

organizational leader by making efficient use of resources to maintain

profitability.

V Financial Analysis: Understand corporate financial objectives and can

translate into unit and personal results. Adept at managing to budget

and presenting options with costs and benefits clearly outlined.

V Industry Expertise: Management of distressed residential and

commercial mortgage portfolios in a "cradle to grave" environment

consisting of 200-500 loans; Maximized asset liquidation cash flow

through short sales, settlements, deed-in-lieu and sale of real estate

owned properties; Proficient in collateral valuation, due diligence,

management of foreclosure, bankruptcy and REO timelines; Debt

collection of consumer, second mortgage loans and post foreclosure

unsecured promissory notes; Effectively utilize various loss

mitigation strategies to educate and accommodate borrowers regarding

repayment programs as an alternative to foreclosure; Programs include

forbearances, modifications, deferment of the arrears and bankruptcy

reaffirmations; Seasoned consumer and real estate loan underwriter,

involving ancillary insurance sales of life, disability and

unemployment products.

V Business Operations: Implemented successful note suit judgment

procedures against non-performing borrowers. Process included

documentation preparation, file referrals, management compliance of

action timelines, consent judgment execution, resolution options

related to litigated matters and legal invoicing.

V Communications: Superior verbal and written communication to support

leaders and deal with customers. Utilize outstanding interpersonal

and diplomacy skills to work effectively at all levels within and

outside of the organization.

KEY ACHIEVEMENTS

V Franklin Credit: Total Cash Collections: $3.5 million dollars (net),

Note suits: 1,775 referrals to outside counsel resulting in 530

Judgments granted for $14.5 million dollars (net)

V SN Servicing: Regular recipient of "Account Officer of the Month"

award recognizing the office's top cash producer; Named "Account

Officer of the Year" in 2004 for generating $10 million (net) in cash

collections and being ranked among the company's best performers

related to unit liquidation.

V Avco Financial: Circle of Excellence Winner - 89, 90, 92, 93, 94, 95

(Avco's highest recognition of field excellence); Total operating

results placed in the top 15% of 700 Managers company-wide; Achieved

branch profitability levels 40% above company targets for six

consecutive years; Maintained contractual delinquency and charge off

levels at 35% below company targets for six consecutive years.

EDUCATION and SKILLS

Formal Education: Bachelor of Arts, 1982, Kean University, Union, New

Jersey

Major: Economics Minor: Management

Science

Computer Proficiency: Microsoft Word, Outlook, Excel and Internet Explorer

on the Windows Operating Systems

Technical Skills: Skip tracing utilizing Accurint search engines,

collateral file research, credit report review, field call inspections,

verification of foreclosure sale results and asset identification.

Contact this candidate