Manager Customer Service

Joseph P. Maroney

**** **** ****. * Wheatfield, New York * 14120 * 716-***-**** *

MACROBUTTON HtmlResAnchor abndyh@r.postjobfree.com

Objective

To obtain a position allowing the demonstrated organizational, managerial,

customer service and communicative skills of a proven 29 years of high

intensity customer contact.

Profile

Self motivated, personable and professional. Diplomatic and tactful with

all internal and external contacts. Accustomed to handling sensitive,

confidential records. Flexible and versatile, confident team player and

enthusiastic team builder. Ability to work under pressure and within

assigned time restraints.

Professional Experience

09/2007- Present: M&T Bank Loss Mitigation Specialist: Review and analyze

distressed mortgage loans, restructuring the loan or assisting in the

selling of property to reduce expected losses by foreclosure. Negotiate

successful counterproposals on loss mitigation with customers, realtors and

attorneys relating to

short sales, loan restructuring, deeds in lieu of foreclosure and total

charge-offs.

08-99 to 06-2007 Ontario Auto Lending (Heinrich Chevrolet Corp) Finance and

Collections Manager: Recruited for banking and collection experience in

1999 to structure and build a collections and finance department for a new

Buy-Here, Pay-Here automobile dealership. Utilizing skills gained in the

banking industry, I successfully collected a portfolio of 500+ accounts,

including repossessions, lawsuits and bankruptcy processes. As Finance

Officer, my position required the daily analytical processes of loan review

for financing. Successfully performed the credit, salary, employment and

motor vehicle record verifications required for sound lending and legal

operation of a vehicle in New York State. Other daily operations included

cash payment handling, customer contacts and sales when needed. Multi-

tasking all dealer positions while remaining in constant adherence to

internal goals, Federal and State regulations and employee relations.

Acting General Manager for a high volume used car dealership. Oversaw daily

operations of sales, finance, and service and repair staffs. Strict

adherence to NYS DMV, OSHA and Federal and State safety requirements.

Required personal contact with service and repair vendors, law enforcement

agencies, attorneys, courts and advertisers, auto dealers, wholesalers,

DMV, NYS Banking auditors and the public. Budget compliance met for vehicle

inventory, service and reconditioning expense at two dealerships.

06-79 to 06-99 HSBC Bank / Marine Midland Bank (Buffalo and Syracuse,

NY)

1990 - 1999 Recovery Manager: Training and development of staff as high as

30 individuals, ensure that individual and team goals were met while

adhering to regulatory and service requirements. Analyze data related to

recovery collections and staff needs. Provide senior management direction

to foster effective selection, development and reward compensation.

1998 - 1999 Systems Security Officer: Aside from Management position

outlined above, personally selected by senior management as Information

Security Officer for several hundred employees. This highly sensitive

function required the daily monitoring of internal computers, systems

information, password violations, communications and adherence to the

mandated Personal Information Policy of the bank.

1989 - 1990 Regional Recovery Manager: Managed the mid-state recovery

activities. Staff development and training, attorney and agency liaison.

Required bank representation in court actions, bankruptcy proceedings and

audits of both internal and external collection areas.

1987 - 1989 Collections Supervisor: Supervise a collection staff for early

to late stage delinquent portfolios. All consumer products including

secured and unsecured receivables.

1986 - 1987 Credit Analyst: Analyze debt to income ratio of both consumer

and small business

relationships to determine credit approval or termination of existing

privileges.

1982 - 1986 Senior Adjustor: Implementation and development of Student Loan

collection for the mid-state region. Direct liaison with NYHESC Albany for

the deferment and collection of Guaranteed Student Loans. Training and

development of staff for specialized handling of accounts.

1980 - 1982 Collections Adjustor: Collection of consumer products via the

telephone and written form. Skip tracing, repossession and pre-legal asset

search.

1979-1980 Purchasing Dept: Shipping and receiving, delivery to all internal

and external business locations and departments. Forklift and light truck

operations. Level A Security clearance to all vault, data bank and

international commerce areas. Inventory control of all forms, equipment,

films and paper stock items used throughout state operations.

Systems Knowledge

Familiar with most software applications currently available on business

and personal computers. Full working knowledge of AutoMasters, Equifax Info

Transfer, New York State DMV On-Line Services. Fidelity / CPI Mortgage,

BlitzDoc and Process Management and Safeguard.

Additional Experience

eBay Sales: 2002 - present, have held over 5,000 auctions on the

international auction website. Primarily selling Civil War antiques and

collectibles as well as Dukes of Hazzard memorabilia.

Seller rating at 100%, showcasing my personal emphasis on customer

satisfaction, prompt service and quality merchandise. This association

with eBay also includes writing reviews for movies, music and recently

published books.

Highlight: Miniature hand painted Civil War soldiers were sold to

Universal Studios in 2005 - used in the season finale' of CSI-Las Vegas.

Community Involvement

2006 * Assistant Coach Machine Pitch, Town of Wheatfield

2006-2007 * 4H Leader of the Sanborn Stallions

2007. * T-Ball Coach and Assistant Machine Pitch Coach for

Wheatfield NY

2008. * T-Ball Coach Town of Wheatfield, Dept of Parks

References Can be supplied upon request.

Contact this candidate