Manager, Management, Credit, Collections, Underwriting, Marketing
Resume:
Adrian Higgins
Hilliard, OH ***26
******@*****.***
Objective: To continue my career with an organization that will utilize my
management, leadership and member centric skills to the benefit
of the customer and corporation.
Experience: KEMBA Financial Credit Union (2006-present)
AVP Lending / Risk Manager / Loss Prevention Manager
. Responsible for all facets of collection activity on a
$626MM portfolio
. Reduced net losses by 44 basis points.
. Improved overall collection percentages by 212 basis
points.
. Assisted in the growth of the portfolio by $74MM.
. Implemented multiple programs including: Predictive
Dialing, Skip-a-Pays, Vendor managed Forced Placed
Insurance, Stretch Pay loans, Lenders Protection, and SAIL.
. Developed policies and procedures for all aspects of the
consumer lending and collections departments.
. Provided Senior Management constant feedback on
underwriting trends and recommended adjustments.
. Managed prevention and reaction of fraud activities
including investigation, restitution and/or prosecution.
Automotive Finance Corporation (2000-2006)
Branch Manager
. Established a branch presence in the Columbus Market,
growing the portfolio by over 400% in a 5 year period.
. Responsible for servicing a 120 client base
. Managed all aspects of the office including administrative,
financial, collection and marketing.
. Directly managed staff of 4 and assisted in management of
satellite office.
. Averaged 115% of budgetary goals.
TranSouth Financial Services / AVCO Financial Services (1998-
2000)
Branch Manager
. Managed all aspects of a $9MM consumer finance office.
. Grew portfolio by 29% while increasing customer base by
85%.
. Maintained collections currency ratio of 97% or better.
General Acceptance Corporation (1996-1998)
National Collections Manager / Branch Manager
. Responsible for all aspects of collection activity on a
$95MM portfolio.
. Managed staff of 45
. Maintained all operational functions of $7MM, $9MM and
$23MM portfolios while exceeding budgetary goals.
TranSouth Financial Services (1995-1996)
Dealer Service Representative
. Created sufficient market penetration to establish
permanent presences in the Syracuse, Columbus, Cleveland
and Lansing markets.
. Increased volume by 246%
Chemical Financial Services (1995-1995)
Mortgage Processor
. Processed and packaged Broker originated loan applications
for review and approval.
City Loan Financial Services (1992-1995)
Loan Officer
. Responsible for generating/closing Sales Finance, personal
and real estate loans.
. In charge of maintaining portfolio collections within
acceptable guidelines.
Education: Franklin University (1988-1992)
. Bachelor of Science Degree
. Majored in Marketing and Business Management
References: Available upon request.
3/9/2015
Adrian Higgins
5888 Alturas Way
Hilliard, OH 43026
Lakeshore Management, Inc.
Orlando, Florida 32817
RE: Collections Manager
To whom it may concern:
I am submitting my resume to you for consideration of the Collections
Manager position posted on Post Job Free February 12th, 2015.
I believe that I would be a good fit for Lakeshore Management as I have
spent the last 8 years managing the collection activities of a $626MM
portfolio for KEMBA Financial Credit Union. As you can see by my
attached resume, my background aligns nicely with your needs. I have a
proven track record of the supervision of a portfolio, resolving both
internal and external customer discrepancies as well as finding win/win
scenarios for both the customer and the company. For this, I am
requesting at least a salary of $65,000 with the opportunity for bonuses
based on performance and production.
My wife and I are looking to relocate to the Central Florida market in the
next several weeks so she can continue pursuing her career with the Disney
Corporation. I would appreciate the opportunity to discuss bringing my
diverse skill set to Lakeshore Management so I can assist you with meeting
your needs and providing Lakeshore with their best possible return.
I look forward to discussing this opportunity further with you. I can be
reached at ******@*****.*** or by phone at 614-***-****.
Thank you for your consideration,
Adrian Higgins
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