PRESENTATION OF QUALIFICATIONS

RICHARD TOMASZEWSKI

***** ******* **** ****

TWINSBURG, OHIO 44087

330-***-****

MANAGEMENT

Seeking a challenging and responsible position where extensive

business experience and formal education may

be professionally utilized.

SUMMARY OF QUALIFICATIONS

Professional integrity, personal initiative and more than fifteen years of practical experience

are the foundation for superior performance in these key areas:

Credit and collections Operations Management Expense control

Banking Budgets Problem solving

Sales Forecasting Administration

Lending Sales analysis Personnel Supervision

Customer service and relations Staffing Training and Development

Employee motivation Performance evaluation

Highly motivated individual with excellent oral and written communication skills.

Able to interact with all levels of management and public.

Works well under pressure and against deadlines.

Takes charge of situations to deliver profitable results.

EDUCATIONAL BACKGROUND

Lake Erie College, Painesville, Ohio

Masters in Business Administration

Lake Erie College, Painesville, Ohio

Bachelor of Science Degree in Business Administration

Major: Financial Management

Vincennes University, Vincennes, Indiana

Associates Degree in Office Management

*Courses also taken through Notre Dame University and Indiana University

Attendance at numerous seminars, workshops and training programs.

Topics: Management, Sales, Customer Service, Business Administration, Communication

MILITARY SERVICE

U.S. Army – SGT E5

Honorably Discharged 1969 – 1971

Republic of Vietnam

PERSONAL DATA

U.S. citizen, Excellent health. Willing to travel and/or relocate.

Salary negotiable depending on total compensation package.

EXCELLENT REFERENCES AVAILABLE UPON REQUEST

PROFESSIONAL HIGHLIGHTS

CAR NOW ACCEPTANCE CORPORATION 1998 to 2014

Lakewood, Ohio

Director of Credit and Collections

Responsible for credit and collection within the organization.

Grew receivables from 4 million to 44 million.

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Make significant contribution to the profit of the organization.

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Controlled loan loss performance.

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Negotiation sales of loan receivables.

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Underwriting based on outstanding credit risk

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Duties include increasing cash flow, controlling delinquencies and increasing loan volume to high-risk

credit customers. Responsible for a decentralized structure that includes staff in two states. Personnel

duties include monthly evaluations/development, hiring and firing, budget and forecasting. Control

expenses that contribute to the profitability of the organization.

NATIONAL AUTO CREDIT 1991 to 1998

Solon, Ohio

Vice President and Director of Collections

Responsible for the original start-up of a finance company for Agency Rent-A-Care System. The subsidiary

grew to receivables of over $300 million and is listed on the New York Stock Exchange.

Developed an indirect automobile lending operation to finance the marginal credit customer.

Responsible for expanding lending programs nationally.

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Responsible for centralized collection operation including all facets of the automatic online system

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o Automated Dialing Network

o Skip Tracking

o Repossessions

o Banking and Recovery

Responsible for development of an underwriting infrastructure that utilized a credit evaluation, online

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application, and funding system.

Responsible for computer conversions necessary to keep pace with the growing receivables volume.

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Responsible for modifications to the core lending program as the sub-prime industry evolved.

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TRANSOHIO SAVINGS BANK 1983 to 1991

Cleveland, Ohio

Vice President

Responsibilities encompassed all phases of operation for the $220 million Consumer Lending Department

with accounts throughout Ohio. Specific duties included preparation of a $2 million operating budget, sales

and revenue projections, credit approval and collections. Sales duties included outside calls to generate

revenue and extensive service to major commercial accounts. Personnel duties included hiring, training,

performance appraisals, budgets, and department forecasts.

Promoted through the ranks from initial position of Administrative Assistant for Consumer Lending.

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Increased staffing capabilities by developing a training program which utilized mid-level and staff

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personnel; also implemented training programs covering Consumer Lending Procedures and Sales

Techniques.

Instituted “Blue Ribbon” service to improve quality of customer service.

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Expanded the scope of consumer lending activities throughout the state.

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Reduced operating costs while increasing productivity; accomplished by restructuring department

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functions to coordinate staff efforts and eliminate overlap.

MIDWEST BANK AND TRUST 1982 to 1983

Cleveland, Ohio

Collections Manager

Supervised collections and recovery for consumer, commercial, real estate and retail loans. Personnel duties

included hiring, training and development for staff.

- Strengthened and focused efforts of staff by providing specific objectives, a detailed operating

framework and effective methods for achieving high quality results.

- Implemented an Asset Recovery Department.

- Served on banks “Lending Committee,” responsible for approving large commercial loans and

analyzing corporate debt restructure.

AMERITRUST CORPORATION 1978 to 1982

Cleveland, Ohio

Supervisor

Responsible for managing all operations of the Consumer Collection Department dealing with auto, home

improvement, student, real estate, and indirect loans. Duties included sales forecasting, budget preparation and

supervising an administrative staff.

- Promoted from initial position of Collector

BENEFICAL FINANCE COPORATION 1975 to 1978

South Bend, Indiana

Manager

Duties included selling financial services, credit, collections and preparation of all financial statements. Held

complete profit and loss responsibility which involved the development of operating objectives. Also

responsible for staffing and development.

- Promoted from initial position of Assistant Manager at Household.

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