Customer Service Sales

Joseph G. Schultz

404-***-**** ( E-mail: *************@*****.***

SUMMARY OF QUALIFICATIONS

Self-motivated, articulate, and dynamic professional with over thirteen

years experience in collections, credit administration, accounts

receivable, retail and lease administration, customer and dealer relations,

finance agreements, and detail analysis. A robust background, which

reflects skills and accomplishments in the areas of operations, customer

relations, and revenues. Highly skilled at evaluating business policies and

procedures, improving operations by creating new processes to efficiently

meet company objectives. Having a proven track record of exceeding company

goals through persistent effort, effective time management, and the ability

to establish priorities and handle multiple projects simultaneously. Strong

skills demonstrated in written, verbal, interpersonal, and presentation

abilities.

PROFESSIONAL EXPERIENCE

SOUTHWIRE COMPANY, Carrollton, GA

Accounts Receivable Analyst

March 2012- Present

* $776M National Portfolio, $152.2M Individual Account portfolio, $6M

Average Daily Workflow

* Review, resolve and document all customer accounts presented in the

collections work queue

* Daily management of all aging buckets to perform root cause analysis,

follow-up and solutions engineering to create accounts receivable

momentum.

* Managed overall risk profile of the portfolio by ensuring customers pay

within terms and AR balances do not exceed assigned credit limits.

* Executed prescribed actions to correct negative payment habits and

alerting management of risk concerns based on collection activities.

* Portfolio presentations with focus on root cause analysis, proposed

solutions and fixing problems on a permanent basis.

* Resolve product and financial deductions through issuing the appropriate

credit memos, debit memos and chargebacks.

* Release or status orders according to credit and aging criteria.

ARCHBROOK LAGUNA, Kennesaw, GA

Credit and Collections Analyst

September 2010-December 2011

* $108.1M National Portfolio, $5.7M Individual Account portfolio shared

within two purchasing entities.

* Delinquency of accounts maintained at 92% or better for balances less

than 30 days due.

* $2.12M Receivables reduction achieved within a single quarter for account

transition.

* Reconciliation of check deductions produced by rebates, returned product

and show display credits.

* Daily use of Excel spreadsheets to create customer account statements and

collector aging reports.

* Oracle r12.1.2 and MAS-500 used, as well as Internet based inventory

tracking and returns databases.

* Monthly reconciliation of GE/Capital Solutions payables, including terms

discount deductions.

* Releasing orders under credit review according to aging and credit

guidelines set by management.

* Acquiring updated credit documents and financial statements from dealers

to provide annual credit updates.

AVAD LLC, Smyrna, GA

January 2009-August 2010

Accounts Receivable

* $1.3M account portfolio covering 4 states, Regional portfolio total

$6.6M.

* Retention of home theater businesses through negotiation of open

receivables and account maintenance.

* Contacting home theater dealers regarding payment of matured net terms

invoices within 15 days aging.

* Release of new purchases to dealers within credit scoring criteria, with

the goal of continued sales and profitability through paid receivables.

* Accelerated collection of accounts with matured invoices exceeding 60

days delinquency.

Joseph G. Schultz

* Mediating communication between inside sales staff and purchasing

coordinators with regard to maximum use of credit lines and sales

potential.

* Securing signature documents for payment plans and scheduling

installments for debt reduction.

* MAS-500 and Excel use required daily.

MARQUETTE CONSUMER FINANCE, Smyrna, GA February 2006

- December 2008

Collector I

* Maintained 15% delinquency for 10-30 day accounts

* Maintained additional branch goal of >3.25% of 30+ day accounts

* $26 Million overall branch portfolio

* Responsible for posting payments, payoffs and auction sale proceeds to

accounts

* Balanced and submitted daily bank deposits

* Remarketed repossessed collateral through personal sales prior to dealer

auctions

* Submitting photographs and condition reports to online auctions

* Responsible for filing GAP insurance claims for retail account

deficiencies.

* Payments and invoicing to vendors for repossession services and

transportation fees.

* Filing for product cancellations, i.e. warranty, GAP, life insurance with

dealerships.

* Communicating with seizing agencies involving forfeitures in order to

retain collateral.

* Commercial collection of reserve balances due from dealerships.

* Reduction in branch portfolio by $3M-$4M per month, Jan.2008 through

Nov.2008

GMAC, Atlanta, GA November 1999 - December 2005

Credit Administrator/Account Specialist

* Responsible for clearing balances of bank suspense

* Received and applied sale proceeds regarding payments and taxes

* Processed transfer of vehicle ownership applications via lease

termination.

* Provided follow-up on current records to reduce monetary suspense

exceeding 30/60/90 day limits

* Provided customer service to dealers/customers new volume accounts and

terminated accounts

* Provided business element training to peers regarding property tax,

purchases and replevin accounts

* Secured collateral through investigative/skip tracing and recovery

agencies

* Prepared foreclosure claims for local attorneys to secure civil judgments

on behalf of company

* Assisted local dealerships in interpreting company policies and

procedures

United States Marine Corps. 1993 - 1999

TECHNICAL EXPERIENCE

MS Office Systems ~ MAS-500 ~ Oracle r12.1.2 ~ Accurint ~ Credit Commander

~ Lexis Nexis ~ Fastdata/EDS ~ SAP ~ Avantgard Getpaid

EDUCATION

Mandarin High School, Jacksonville, FL

Accredited Receivables Specialist Certification

High School Diploma

REFERENCES

Excellent references available upon request

Contact this candidate