Manager Financial Services
Resume:
Mel C. Eckerstrom
Palm Bay FL 32909
Qualifications:
** **** ***** ** ********** in Credit and Collections management, including auto, mortgage, unsecured and commercial.
Work History:
Winnebago Community Credit Union, Oshkosh WI 920-***-****
Dates: May 2011 to March 2016
Position: Collection Manager
Responsibilities: Supervise collection clerk. Collecting $54 million portfolio, maintain 60 day+ delinquency of less than .20%, approve all court actions and replevins. I worked from my home in Palm Bay via a VPN.
Atlantic Recovery Services, Virginia Beach VA 757-***-****
Dates: September 2008 to May 2011
Position: Owner
Responsibilities: All areas of business development. Specializing in consumer and commercial debt collection. ARS currently serves clients in 5 states and has approximately $1.25 million in accounts to be collected.
Atlantic Financial Services, Moyock, NC 252-***-****
Dates: April 2008 to September 2008
Position: Collections Manager
Responsibilities: Supervised a staff of 5 full time collectors. Handled all training of new collectors and focused efforts of improving the existing staff. Reduced delinquency overall and improved profitability through a comprehensive collections package that included front end delinquency coverage and minimizing 120 day losses.
Coastal Credit LLC, Virginia Beach, VA 757-***-****
Dates: December 2006 to March 2008
Position: Collections Manager
Responsibilities: Supervise a staff of 5 full time collectors and 1 admin person. I was responsible for the collection of all sub prime auto loans and the training and development of the collections staff.
Bengal Financial Services LLC: Winston Salem, NC 336-***-****
Dates: November 2002 to December 2006
Position: Owner
Accomplishments: Opened Bengal as an opportunity to utilize the skills I have gained over the years in business development and collections. Bengal was a North Carolina licensed collection agency that recovered over $250,000 in debts that were deemed uncollectible by our clients. Our largest client was a local sub prime auto lender that placed their accounts for collection after charge off. Bengal also collected for plumbers, consumer lenders, veterinarians, electricians, land lords etc.
Federal Financial Services: Rural Hall, NC 336-***-****
Dates: March 2002 to June 2002
Position: Branch Manager
Responsibilities: Developed secondary auto and consumer loan portfolio. Supervised all areas of branch operation. Staff included 2 administration positions, 2 loan officers and one collector.
Kyrus Corp.: Candler, NC 28715 828-***-****
Dates: May 1999 to March 2002
Position: Credit Collections Specialist
Accomplishments: Manage collections and granting of new credit for this IBM partner business. Work out all invoice issues and A/R situations with customers.
Avco Financial Services: Costa Mesa, CA. 92628 714-***-****
Dates: February 1996 to May 1999
Position: Branch Manager
Accomplishments: "Circle of Excellence" manager in 1997 in Oshkosh WI. (Top 5% of all 1200+ managers nationwide) Accepted assignment in Asheville NC in March of 1998 to open an auto finance branch. At the time Avco had no presence in Asheville, i.e. zero accounts and zero receivables. My goal in the first year was to grow to $1 million, this goal was met in August of 1998, as of year end we had achieved $5.8 million, earned over 15% return on funds employed with an average of less than 1.2% delinquency and had NO charge off. I left the company shortly after it was purchased by the Associates in April of 1999.
Community First Credit Union: Appleton, WI. 54913 920-***-****
Dates: February 1994 to February 1996
Position: Credit/Collections Manager
Accomplishments: Reduced delinquency from over 5% to .75% in the first 6 months. Trained and supervised 5 full time collectors. Due to increased bad debt recovery, changed the collections department from an expense to a profit center.
Firstar Bank NA: Oshkosh, WI. 54901 920-***-****
Dates: November 1989 to February 1994
Position: Retail Banking/Collections Officer
Accomplishments: As an elected officer of the bank I supervised my staff in the collection of all consumer loans, including installment and mortgage. I handled all the judgments of replevin, garnishments and foreclosure and also did all my own repossessions. Based on a loan portfolio of over $68 million I maintained delinquency ratios that averaged less than .25%. These ratios were in excess of 8% when I took over the department in 1989.
References furnished upon request
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