Manager High School

Timothy F. Sullivan

***** ********** **. *.

Pickerington, Ohio 43147

Home/Cell 614-***-****

Employment Experience-

February 2006-July 2009 Telhio Credit Union - Asset Protection

Manager

This position oversaw the departments that

minimize the credit union's risk. I was

responsible for controlling the delinquency,

reducing costs and maximizing recoveries. My

collection policies and procedures were key in

drastically reducing loss and getting delinquency

under control where it remains today at the lowest

point in recent memory and under 1%. The

collections department, recovery, bankruptcy,

legal, fraud and repossession personnel reported

directly to me. Besides establishing and enforcing

policy and procedures, I monitored all aspects of

performance in the above noted departments. I did

employee work reviews and evaluations as well as

addressing any performance issues of said

employees from coaching up to termination.

Additional duties include vehicle repossession

placements, sale scheduling and personal

representation at the auctions as well as

maintaining a working relationship with all

vendors related to these departments including all

outside collection agencies. I attended any court

hearings that may have been necessary. I was also

head of loss mitigation. When foreclosure became

necessary I initiated foreclosure saw it through

to judgment and vacancy. I then was in charge of

assessing, repairing, cleaning and setting sale of

the property and all other responsibilities for

the house up through closing of the liquidated

property.

July 2002- February 2006 Lenders Transport Systems - Owner

I started this Collateral Recovery Business in

July 2002. LTS Inc recovers any type of motored

vehicle by repossession for a large array of

financial institutions. My work is sub-contracted

through larger placement companies. I run the

daily operations, financials, client relationship,

as well as the field recovery and supervision of

all field agents. Running this business has tapped

on every piece of knowledge from my career in

finance and collections. My territory covers

thirty-three counties in Ohio and several in West

Virginia. This has kept me on the leading edge of

all current skip-tracing services currently

available and laws governing collection practices.

My company has been successful from start-up and

has been the leading contractor for any agency I

have contracted with.

June 1999 to August 2002 Central Ohio Credit Corp. - Recovery

Manager

As Recovery Manager of this sub-prime automobile

finance company, I was responsible for the ongoing

collection, repossession, legal paperwork and

attorney placement of all charged-off accounts. I

managed a small group of Recovery Specialists and

oversaw not only their work, development and

strategies, but also coordinate the repossession

companies and represent the sale of repossessed

vehicles at each of the auto auctions. This

department is also responsible for all bankruptcy

paperwork and filings as well as all court

appearances on behalf of the company. My

experience and knowledge was a key factor in

reducing company loss and risk. My creativity has

had an incredible success in the recovery of the

accounts which include repossession deficiencies,

insurance deficiencies, write-offs, and

bankruptcies. I have a vast knowledge of all

facets of secured auto loans and the laws

governing the recovery and prosecution of such

loans.

Oct. 1997 to May 1999 Check Free Recovery, Inc.- Director of

Operations

I was selected for this position at a time when

this ten year old company experienced overnight

growth to over ten times its size. My

qualifications enabled my success in establishing

and redefining all facets of the policies,

strategies and procedures over all three divisions

of their check and account receivables agency. I

not only oversaw the day to day operations of the

collection and payment processing department, but

also hired, coached and developed the staff from

collection reps to managers. I was the key liaison

to our clients and was also in charge of loss

prevention and investigations for the company and

our clients. I grew through ongoing seminars and

by attending the monthly meetings as a member of

the Central Ohio Fraud Investigators Association

(COFIA).

March 1996 to Oct. 1997 World Financial Network National

Bank* (WFNNB) - Recovery Manager

This position included a vast range of

responsibilities. As the Recovery Manager for this

self-directed group, I was responsible for

interviewing, hiring, training and the development

of the recovery collectors. I handled escalated

supervisor calls, worked on financials,

projections and budgets as well as maintaining a

queue of charged-off credit card accounts.

Oct. 1995 to March 1996 WFNNB* - Fraud Investigator

As a Fraud Investigator, I supported all divisions

of the Limited Credit Services. I investigated

fraudulent credit card activity, mail order fraud

and internal company risk concerns. I needed to

identify trends in such activity as well as set

perimeters to curb it. This position required

great communication skills and analytical ability.

Time management was essential. I interacted with

all levels of law enforcement.

June 1994 to Oct. 1995 WFNNB* - Mid-Range Collector

I worked and maintained a queue of delinquent

credit card accounts of card holders that were tow

to six months past due. Eventually as a lead

within my group, responsibilities included setting

and implementing section strategies and the

training of new collectors. I was cress-trained in

the credit and new accounts department for a

better understanding of the credit card business.

Education Pickerington High School- Graduated 1987

The Ohio State University-Sept. 1987 - June 1990

(Business Management)

Columbus State Community College - September 1991 - June 1998

(Business Mgmt./Continuing education)*

* Indicates WFNNB as the bank division of Alliance Data Systems

formerly Limited Credit Services

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