IRWIN WIRSTLIN

*** ********* ****** ****: 925-***-****

Brentwood, CA 94513 Office: 925-***-****

SUMMARY OF QUALIFICATIONS

Skilled executive with years of professional commercial loan and consumer collections experience within the

banking industry. Abilities are demonstrated by consistently setting and exceeding ambitious objectives.

• Expert management experience in all phases of collections involving small business lending, consumer

loans, and residential real estate.

• Management of centralized collection centers of up to 120 employees.

• Innovation in development of work segmentation, incentive systems, and collateral re-marketing.

• Accurate in loss forecasting, building staffing models, budgeting and utilization of outside vendors to

reduce losses, improve recoveries and control costs.

PROFESSIONAL EXPERIENCE

BANK of the WEST, Walnut Creek, CA 1996 - Present

Vice President/Collection Manager –Loan Collections National Finance Division 2002 - Present

Pursued the enforcement of contractual breaches by automobile, RV and boat dealers. Developed case files,

attended mediations, appeared at depositions, responded to interrogatories and testified on behalf of bank in

litigating commercial contracts. Managed the resolution of fraud and identity theft allegations, directed the

preparation of suspicious activity reports (SARS), and managed a staff of 9 team member handling consumer

bankruptcy cases.

• Investigated Auto, RV and Marine Dealer fraud perpetrated against Bank of the West.

• Pursed litigation that produced cost effective results.

• Investigated and resolved Identity Theft and Elder Abuse cases.

• Researched and selected vendor to outsource the management of bankrupt accounts.

• Developed sales process and prospective bidders for the sale of delinquent loans.

UNITED CALIFORNIA BANK CALIFORNIA, Monterey Park, CA Acquired by Bank of the West 1996 - 2002

Vice President/Manager - Central Collections/Loan Recovery/ORE Sales/Auto Leasing Center

Managed the collection and charge off loan recovery of small business lines, auto leasing servicing, ORE Sales

Unit, and the collection of residential real estate loans, indirect auto loans, credit cards, auto leases, consumer

lines and operational losses with a staff of 50.

• Achieved four years of net loss and delinquency ratios, which were 50% better than peer banks.

• Installed Predictive Dialer increasing calling productivity by 400%.

• Implemented evening calls (Monday-Thursday) and Saturday calls to customers.

• Implemented use of part time staff during peak volumes and months with fewer work days.

• Improved loss recovery rates 15% by upgrading the loan recovery system and by utilizing Internet

databases.

• Directed OREO improvements to produce faster sales, reduce costs and achieve professional control of

risk.

BANK OF AMERICA, Pasadena, CA 1989 - 1996

Vice President/Manager – National Loss Recovery Center 1993 - 1996

Managed recovery center staff handling charged-off small business loans, automobile leases, consumer and and

credit card accounts with a staff of 120 employees.

• Achieved $2.3 million recovery improvement by upgrading collector training, streamlining reporting,

implementing call monitoring and establishing collector performance appraisal/incentive systems that

rewarded dollars recovered.

• Guided internal system improvements, which eliminated $500,000 in annual vendor expense.

• Directed the successful management of newly acquired bank’s loss portfolios and improved results for the

respective banks.

Vice President/Manager – Loan Origination Call Center / Acquisition Task Force 1990 - 1993

Managed telephone banking call center of 70 employees and successfully converted 40,000 customer calls into

$100,000,000 in new loans monthly.

• Directed B of A’s first outbound dialer telemarketing exceeding loans booked plan by $4 million.

• Piloted and successfully achieved the first delivery of call center credit decisions in 30 minutes.

• Evaluated consumer loan portfolios as a member of the bank acquisition task force.

Vice President /Manager – Collateral Recovery and Sales 1989 - 1990

Managed the monthly recovery and resale of over 500 autos, 50 mobile homes, boats, recreational vehicles and

airplanes with a staff of 60.

FIRST INTERSTATE BANK, San Francisco, CA 1969 - 1989

Vice President/Manager – Collection and Loss Recovery Center

Managed collections for Northern California, small business loans and consumer loans. 1975 - 1989

EDUCATION

Bachelor of Arts, Management – Saint Mary’s College 1983

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