Joyce T. Mills P. O. Box ** Rye, NH ***** 603-***-****

**** - **** **. ****’S BANK, MANCHESTER, NH AVP/Collections Manager

Responsible for the management of consumer loan and residential mortgages inclusive of secondary market portfolios and SBA loans. Oversaw staff of six collectors and one liquidation specialist.

Created and oversaw cross training within the department to ensure that all staff could handle not only collections and repossessions but also deal directly with outside vendors for repossessions, liquidation and foreclosure proceedings.

Added necessary vendors to ensure that the repossession and liquidation time process went from 180 days down to 90 days. Over the course of one year delinquency rate went from 3.51% down to .98%.

2014 - 2016 WORKERS CREDIT UNION, FITCHBURG, MA AVP/Collections Manager

Responsible for the delinquency control function for consumer loans and residential mortgages as well as assisting Commercial Lenders with their collection efforts. Oversaw a team of six collectors and one administrative assistant.

Created and oversaw cross training with the collections department to ensure that collections team had bankruptcy handling abilities as well as good judgment decisions in repossession, liquidation and foreclosure cases.

Over the course of employment created a highly functioning collections team that worked well with other departments and assisted management in correcting serious compliance issues on secondary market portfolio and regulatory reporting requirements.

2010 – 2014 WEBSTER FIVE CENTS SAVINGS BANK, AUBURN, MA AVP/Collections Manager

Responsible for the oversight of all functions regarding collection of residential and consumer loan products for the Bank’s own portfolio as well as overseeing the outside servicing of four purchased portfolios. Assisted commercial lenders in dealing with smaller commercially based transactions. Oversaw the write off and recovery collection process for the Bank’s retail deposit accounts.

Extensive experience in bankruptcy, modification and loss mitigation processes. Personally handled foreclosure and OREO cases in six states working with legal counsel and realtors. Directed the liquidation process for the Bank owned portfolio of residential properties and manufactured homes.

Over the course of four years increased the recoveries by 25% as well as lowering collection and bank owned portfolio expenses by 40%.

1994 – 2010 CLINTON SAVINGS BANK, CLINTON, MA Collections Officer - AVP/Collections Officer

Responsible for delinquency control of all mortgage and consumer related products inclusive of portfolio owned and secondary market along with smaller commercial based transactions. Handled the bankruptcy, modification and loss mitigation processes.

Handled all foreclosure and OREO situations working with legal counsel, realtors and contractors through the liquidation process. Ensured collection and tracking of all deficiency items and previously charged off credits.

Enacted collection and small claims procedures for the retail overdraft protection portfolio inclusive of repayment agreement negotiations.

1990 – 1994 FIRST ESSEX SAVINGS BANK, LAWRENCE, MA Collections Officer

Responsible for overseeing a staff of six collectors and the delinquency control of residential mortgage and consumer loan transactions consisting of portfolio owned, secondary market and private investors. Handled bankruptcy and foreclosure processes through sale and worked with OREO department on set up and liquidation of foreclosed assets.

Initialized collection procedures of profit and loss accounts as well as deficiency balances on foreclosures working through civil and small claims legal proceedings.

1986 – 1990 LAWRENCE SAVINGS BANK, LAWRENCE, MA Collections Manager - Collections Officer

Responsible for collection of delinquent residential mortgage and consumer loan accounts inclusive of two investors. Worked with legal counsel on foreclosure, bankruptcy and deficiency actions.

Referred profit and loss accounts to collection agency and ensured tracking of the portfolio.

1982 – 1986 ARLINGTON TRUST COMPANY, LAWRENCE, MA Collector - Asst. Collection Manager / Payoff Coordinator

Collections within the installment lending area specifically automobile and vessel loans inclusive of repossession and liquidation. Oversaw the payoff area negotiating with dealer base on repossession and insurance shortages.

Instituted a program on insurance shortages not covered by dealer guarantees which resulted in increasing the profit and loss earnings.

1978 – 1982 OOMPHIES, INC., LAWRENCE, MA Senior Collection Clerk

Responsible for the collection of outstanding accounts receivables of larger vendors and assisting the other collection personnel on smaller accounts when necessary. Oversaw the approval of shipment of orders and established credit limits for customer base.

BUSINESS AFFILIATIONS:

Served as a member of the Mass Bankers Association Foreclosure Task Force providing industry guidance for the compliance with the new Massachusetts foreclosure and modification statutes.

Past President of the New England Adjustments Managers Association – a non-profit organization comprised solely of individuals in the collection field.