Credit - Collections Mgr/Super A/R Mgr/Super Consumer Lender
Resume:
John M. Bachtel
Massillon, Ohio 44646
330-***-**** (Cell)
E-mail: ***********@*****.***
EXPERIENCE
Associated Materials LLC (Alside) – Cuyahoga Falls, Ohio January 2011 to November 2013
A Leading Manufacturer of Professionally Installed Exterior Building Products
Regional Credit Manager
Directed an assigned multi-state chain of national Supply Centers in establishing and extending
credit for new and existing accounts for the wholesale purchase of building materials through the
analysis of credit application, review of financial statements and credit history.
Directed an assigned multi-state chain of national Supply Centers in the control and maintenance
of A/R; train Supply Center Operations Managers and sales staff regarding aged accounts.
Recommended pro-active measures to insure timely and full payment of outstanding delinquent
accounts.
Mitigated accounts requiring long term plans for payment in full; set bad debt reserve;
recommended accounts for write-off.
TestAmerica Laboratories, Inc. - North Canton, Ohio August 2007 to December 2010
An International Environmental Testing Company
Credit Analyst
Researched and investigated client creditworthiness through the use of Dunn & Bradstreet reports,
internal processes, and information available on the public domain .
Maintained accuracy and integrity of the client database.
Prepared credit inquiries, lien waivers and releases, and affidavits for clients in a timely manner.
Monitored payments and status of accounts placed with collection agencies or attorneys.
Accomplishments
Selected as Team Lead for Corporate Leadership Development Program. Team’s effort resulted in
establishing a best practice for communication between TestAmerica facilities and the company’s
Cash Application Department in addition to presenting ideas to streamline credit card payment
processing which were incorporated into the Corporate S.O.P.
Magic Motors of Ohio dba JD Byrider /CNAC – Canton, Ohio December 2003 – January 2007
JD Byrider is the nation’s largest used car and sub-prime financing franchise
Collection Manager/Finance Manager
Managed the operation of the collection department and 14 member staff for multiple stores.
Reviewed and evaluated staff performance.
Developed an incentive plan.
Managed repossession inventory and subsequent monthly auction for the disposition of
collateral.
Reviewed credit application s for client creditworthiness and compliance.
Accomplishments
Introduced a management style which instilled a level of professionalism and leadership that
became a benchmark and had thereafter been referred to as “The Bachtel Factor”.
Increased monthly cash flow by 33% within first 90 days of hire and maintained that level
consistently until a defaulted LOC resulted in the sale of the larger portion of the portfolio to
maintain liquidity.
Contributed to the development of a collection department incentive program designed to improve
and reward employee performance and motivate staff.
January 2003 – November 2003
GreenPoint Credit - Columbus, Ohio (Regional Office)
A national manufactured housing lender
Loss Mitigation Manager
Directed a seven member staff of Loss Mitigation Field Representatives (LMFR) along with an
administrative assistant responsible for contacting assigned delinquent manufactured housing
accounts in a multi-state area.
Monitored LMFR collection efforts, recommending and/or authorizing various loss mitigation
tools such as extended payment plans, short sales, abandonments, and repossessions.
Completed a number of weekly and monthly reports as well as weekly staff evaluations
for review by Senior Management.
July 2002 – January 2003
Loss Mitigation Field Representative (LMFR)
Accountable for creating a regular daily schedule for personal contact with manufactured housing
customers 30 days or more delinquent, in a multi-state area as assigned by the regional office,
exhausting all means of loss mitigation tools made available by GreenPoint Credit.
Consistently achieved high percentage of resolutions in the field.
Secured abandoned or repossessed units, evaluated their condition, made recommendations for
remarketing and resale, showed units and took bids for re-sale.
Accomplishments
After successful completion of the interview process in December, 2002, was named the Loss
Mitigation Manager in the Columbus, Ohio Regional Office.
April 1997 – July 2002
The Savings Bank and Trust Company - Orrville, Ohio
A full-service community bank serving Wayne and Western Stark Counties
Collection Manager and Consumer Loan Officer
Managed the daily operation of the collection department; a portfolio that included consumer,
commercial, and mortgage loans, and money charged to loss.
Initiated the recovery process for money charged to loss.
Maintained the timely completion of monthly, quarterly, and annual reports for the review by the
Board of Directors.
Reviewed consumer credit applications for creditworthiness.
Accomplishments
Named a bank officer in February 1999.
July 1996 – April 1997
FirstMerit Mortgage Corporation - Canton, Ohio
FirstMerit Bank is a full-service multi-state bank serving Northeast Ohio and Western Pennsylvania
Mortgage Loan Originator
Responsible for obtaining customer credit information for the purpose of
approving or denying real estate mortgage credit.
November 1991 – September 1996
FirstMerit Credit Recovery Department - Akron, Ohio
Assistant Collection Manager
Managed, in part, the operation of the collection department; a portfolio that included consumer,
commercial, and mortgage loans, auto lease accounts, and money charged to loss.
Maintained the timely completion of monthly, quarterly, and annual reports for review by Senior
Management.
October 1989 – October 1991
Associates Commercial Corporation - Akron, Ohio
A national Commercial Transportation lender
Financial Adjuster (Collector)
Responsible for the daily contact of delinquent commercial (semi trucks and trailers) accounts in
an effort to resolve delinquency.
May 1987 – October 1989
First National Bank in Massillon - Massillon, Ohio
A full-service community bank serving Western Stark County
Senior Collector
Contacted chronically delinquent consumer accounts in an effort to resolve delinquency.
Reviewed fellow collector’s accounts, making recommendations to improve pr oductivity and
performance.
Developed a rapport with attorneys, repossession agents, and other contacts as necessary for the
effective resolution of delinquent accounts. Built client files for bankruptcies, repossessions, and
skips.
February 1985 – May 1987
Collector
Contacted delinquent consumer loan accounts to obtain agreeable terms for repayment.
Built client files for delinquent accounts, bankruptcies, repossessions, and skips.
.
EDUCATION
Canton Central Catholic High School - Canton, Ohio
ADDITIONAL
Completed a number of collection seminars which have covered various aspects of collections
(bankruptcy, repossession, etc.) as well as training programs dealing with customer service,
management and supervision, workplace diversity, performance assessment, team building, and
recognition of drug and alcohol abuse.
Service as an Auxiliary Board Member of the Massillon Area Boys and Girls Club 1995 – 2000.
Service on the Board of Trustees for Consumer Credit Counseling Service of Stark County 1999 –
2000.
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