Manager District

JOHN K. KAVANAGH, JR.

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

EASLEY, SC 29642

EDUCATION A.A.S. Retail/Marketing 1981 College of Dupage,

Glen Ellyn, Illinois 1982/1984 University of

North Carolina at Charlotte

Work Experience

8/05-10/14 First Choice Cash Advance

P.O. Box 1436

Harriman, TN 37748

District Manager

Responsible for all operations, collections, marketing

of (10) ten stores throughout South Carolina. Ensure

growth of A/R maintains high level and credit remains

within company standards. Strong knowledge and

involvement with Consumer Finance Division to make

sure all policies and regulations are upheld in each

store as directed by State Law.

9/97-10/04 Carolina First Bank

Main Operations

Greenville, SC 29602

Recovery Manager

Responsible for all daily operations for the collections

of all secured, unsecured, and lines of credit charged off

as bad debt for Carolina First Bank in South Carolina

and Florida. Commercial, Equipment Leasing, and REO

accounts collected as well. Strong involvement with legal

and bankruptcy proceedings. Involved and in charge of (4)

four collection agencies in (3) three states.

1/90-9/97 American Federal Bank

P.O. Box 1268

Greenville, SC 29602

Recovery Administrator

Responsible for all daily functions of the Legal Recovery

Department. Obtain all goals set forth by Management

to achieve utmost recovery on charged off Bank debt

including, Consumer, Commercial, Credit Line,

Equipment Leasing, Visa Credit Card, and

Overdrawn/Cash Item accounts. Strong knowledge of

legal proceedings, bankruptcies, and IRS regulations.

7/88-12/89 First Union National Bank

P.O. Box 2472

Greenville, SC 29602

S.C. Collections Manager

Duties included overseeing all collection activities for a (10)

ten person collection team.

REFERENCES Available upon request.

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