JOE PORTERFIELD

PROFESSIONAL EXPERIENCE

EMPIRE TRUCK LINES, Houston, TX May 2012 – Apr 2016

Credit & Collections Manager

Responsible for overseeing all sales, Collections, and Credit transactions

Trained all employees on how to skip trace

Interface and assist sales representatives with data for customers regarding delinquency, daily sales outstanding (DSO), and payment history; resolve rates and discrepancy issues

Identify problem accounts and negotiate payment programs with delinquent customers

Created a credit risk management environment of an acceptable quality, in terms of established credit guidelines; developed sound, acceptable credit policies

Manage account receivables and all related functions; renegotiate account receivable balances, streamline processes, and improve client retention rates

Investigate and verify financial status and reputation of prospective customers applying for credit; reviewed credit references and Dunn and Bradstreet data to determine applicant suitability

Evaluate and provide analysis, conclusion, and recommendations to determine credit line amounts; communicate information to customers and team members

Review and adjust credit lines on a regular basis; revoke lines of credit upon receipt of external information pertinent to financial strength of account

Monitor violations of credit policies and take appropriate action

Implemented new collections strategy to improve revenue by 20%

.

BENCHMARK LOGISTICS, Houston, TX Aug 2011 – May 2012

Credit &Collection Manager

Developed and implemented company credit policies and procedures; improved the activities of the Credit department for the organization

Employed processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implemented liens as necessary to major delinquent accounts

Established credit limitations on new and existing customer accounts

Interacted with customers to obtain additional credit information to support credit lines; reconciled transactions and balances to maintain accurate accounts

Initiated credits and adjustments to customer accounts within company policy limits; checked for credit viability on requests for extended terms and evaluated various adjustments on exception documents

Monitored receivables and collections; provided updates and appropriate reporting procedures

Audited and reviewed delinquent account records; determined which customers were contacted for collection of overdue accounts

Improved production in area where we maintained notes for customers.

Implemented the “PASS” system which caused collections to increase.

Trained team in locating customers who had moved without giving new information

EPCOT ELECTRIC, Houston, TX Oct 2010 – Aug 2011

Collections Supervisor

Coordinated day-to-day activities of assigned staff in terms of conduct, workflow, and productivity

Monitored the timely reconciliation of submission/rejection/error reports pertaining to claims

Acted as a subject matter expert in Collections process improvement initiatives, using process knowledge to assist project managers in improving processes

Enforced the compliance with regulatory requirements and company policies

Performed compliance audits as needed

Assisted in the development and implementation of departmental policies and procedures

Facilitated quarterly meetings with Credit and Sales staff

Participated in local industry meetings to further limit credit risks

In charge of “move out” for all customers.

Implemented the creation of the skiptracing tool “accurint” in order to locate customers who have switched without providing move information

Streamlined collections efforts by improving on existing methods and implementing a few new ones.

JP MORGAN CHASE, Houston, TX May 2009 – Jun 2010

Collector Agent/Team Lead

Called and collect on past-due auto loans and student loans

Displayed leadership by motivating team members to strive for excellence

Resolved complex and escalated services issues related to collections

Ensured good working relations and information flow between Collections team and all other departments/areas within the organization

NCO FINANCIAL SYSTEM, Houston, TX May 2008 – May 2009

Collector- Team Lead

Managed and trained new team members when necessary

Became Team Leader within a short amount of time

Dealt with debtors who needed to resolve their outstanding tax debt

Helped customers with making payment and changes to their account

United Recovery Systems, Houston TX Aug 2005- May 2008

Team Lead

Lead a team of 8 collectors to collect on past due Home Depot credit cards

Trained new team members as older members moved up in company

Brought aging down 20% in one months’ time

Prepared statement sheets for department head

Skip traced to find rogue customers

First Data Corporation, Houston TX Jan 2003- July 2005

Dialer Agent

Called from auto dialer system to collect on insufficient funds checks

Worked out payment plan with customer who needed them

Ran credit reports for customers who needed to open checking accounts

Was top collector for eight months in a row

Hit budget every month to collect bonus check

EDUCATION

HOUSTON COMMUNITY COLLEGE, Houston, TX

A.A. in Liberal Arts, Apr 2009

COMPUTER SKILLS

SAP, BAAN, Word, Excel, PowerPoint, Publisher, CUBS, Dialer, EDI, Outlook, QuickBooks, and Works

Contact this candidate