JOHN C. Di FILIPPO

** ****** ****,

MARLTON, NEW JERSEY 08053

(856) 596 – 3450 ad1m1w@r.postjobfree.com

GOAL: Enhance the effectiveness of risk-taking, collections, and recovery, as a Manager or team member of a Credit or Receivable area within a Credit Union, Bank, and Commercial Business.

SUMMARY:

Significant, numerous accomplishments through years of hands-on experience in Credit Collections, and Service industries. Successfully analyzed private accounts, business operations, financial performance, risk-taking, and competitive finance structuring. Highly successful in deal origination and portfolio management of consumer, retail, servicing, wholesale, and manufacturing markets. Thorough knowledge of strategic positioning in product sales, lending, refinance, workout – collections, and legal situations.

EXPERIENCE:

2018 - 2020 McGRAW-HILL FEDERAL CREDIT UNION East Windsor, NJ

COLLECTION SUPERVISOR East Windsor, NJ

Managed past-due accounts for all lending products offered via telephone, correspondence, and email. Initiate loan workout proposals, and recommend collection strategies and efforts to senior management. Interact with collection relationships with outside agencies and attorney offices. Research, resolve, correct, and prevent billing discrepancies through active interaction with members and other departments of the credit union. Assisted with Unit training and coaching.

2015 - 2017 MODULAR SPACE CORPORATION Berwyn, PA

COMMERCIAL ACCOUNTS RECEIVABLE REPRESENTATIVE Berwyn, PA

Managed commercial accounts for prompt payment of Leasing, Service, and Purchase Contract Agreements. Maintained daily relation communications by telephone, email, texting, US Mail, and local staff visits to resolve delinquencies. Managed established relationships with key AP offices for prompt payment, customer service, and goodwill for repeat business. Assisted with Unit training and coaching.

2013 - 2014 GCF BANK, (Investors Bank, Short Hills, NJ) Washington Twp., NJ

COLLECTIONS AND RECOVERY MANAGER Washington Twp., NJ

NMLS Licensed. Managed past-due accounts for all lending products offered via telephone, correspondence, email, and/or field visits. Initiated loan workout proposals; recommended collection strategies and efforts to senior management. Managed collection relations with outside agencies and attorney offices. Researched, resolved, corrected, and prevented invoice discrepancies through active interaction with customers and other departments of the bank. Resolved short payments and performed detailed reconciliations as needed to correct receivable issues. Presented status of account problems, prepared monthly account analysis summaries to management, and performed other duties as assigned.

2008 - 2012 SAMUELS AND SON SEAFOOD COMPANY Philadelphia, PA

COMMERCIAL ACCOUNTS RECEIVABLE REP. & CUST. SER. Philadelphia, PA

Managed commercial wholesale receivable accounts through daily monitoring for non-payment, delayed transactions, and other account irregularities. Investigated information to resolve customer queries, process required account adjustments, and organize recovery, and payment follow-up. Maintained communications via telephone, email, US Mail, and field visits. Developed business relationships with key individuals for prompt payment and to maintain repeat business. Worked with Sales staff to maintain credit limits, adjustments for future orders, and daily holdbacks. Assisted with training and coaching.

2005 - 2008 SEA-LECT WHOLESALE SEAFOOD, INC. Mount Holly, NJ

COMMERCIAL CREDIT & RECEIVABLE MANAGER Mount Holly, NJ

Managed the commercial credit and accounts receivables office for a wholesale seafood company. Obtained customer financial information to determine creditworthiness. Established credit limits and payment terms. Maintained daily contact with customers via telephone, email, US mail, and field visits. Worked with Sales staff to maintain credit limits, adjustments for future orders, and daily holdbacks. Prepared weekly reports and reviewed with Sales staff the status of past due accounts. Managed accounts assigned to agencies, and attorneys, and utilized the use of Small Claims Courts. Trained and coached staff.

John C. Di Filippo

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2005 - 2005 LAURENCE A. HECKER ESQ. Princeton, NJ

COLLECTION AND RECOVERY WORKOUT SPECIALIST Princeton, NJ

Worked out recovery of third-party receivables and other debts. Initiated contact with debtors, completed skip investigations, verifications of employment, and real property assets. Developed and negotiated an agreed-upon settlement solution. Presented files for legal review to begin litigation for judgment.

2003 - 2004 EQUITY ONE, INC. Marlton, NJ

MORTGAGE QUALITY CONTROL ANALYST Marlton, NJ

Reviewed and analyzed mortgage loan files for compliance with company policy, Federal, and State Regulations. Investigated each loan file to determine the validity of the documentation and business practices. Presented findings to management to address quality issues within the company.

1999 - 2003 COMMERCE BANK N. A. Cherry Hill, NJ

SENIOR CONSUMER CREDIT SPECIALIST Mount Laurel, NJ

Initiated and developed customer retention for the consumer loan department. Originated new loan business to retain real estate-secured loans. Responded to customer inquiries regarding refinancing and payoffs. Initiated the application process, requested documentation, and provided guidance through the loan process. Closed mortgages generated and assisted the department with other closings as needed.

CONSUMER LOAN UNDERWRITER OFFICER Cherry Hill, NJ

Underwritten various consumer Bank products; personal, auto, home equity, non-purchased residential mortgages, credit cards, and overdraft protection accounts. Recommended potential leads to other departments of the Bank.

1995 - 1999 FIRST UNION NATIONAL BANK Moorestown, NJ

BRANCH RELATIONS MANAGER Moorestown, NJ

Customer Relations function within a retail financial center. Directed customers to obtain financial products and services. Performed as the Team Leader for the retail center and managed the daily operations. Coached staff to achieve goals set by themselves, the team, and management.

CONSUMER CREDIT SALES SPECIALIST Moorestown, NJ

Regional dedicated lender for Burlington County, NJ. Called upon areas not serviced by the branch network via phone, mail, and field visits. Initiated contact to offer various Bank lending products including deposit relationships. Recommended potential leads to other departments of the Bank.

SENIOR CREDIT ANALYST UNDERWRITER North Brunswick, NJ

Managed underwriting staff for merchant card services, a service offered by the Bank to process electronic credit card transactions. Minimized Bank risk by financial analysis of the business and the owners. Supervised security functions for daily credit card transactions to avoid the risk of possible fraud. Managed and underwritten indirect consumer loans from broker-type unsecured loans.

1992 - 1995 OXFORD FIRST CORPORATION Philadelphia, PA

ASSET MANAGER LOAN WORKOUT Philadelphia, PA

Managed loan workout recovery to liquidate FDIC and RTC commercial, consumer, real estate, and asset-based loan portfolios. Initiated the investigation, review, and analysis of financial statements obtained from the borrower to negotiate settlements. Highly successful in recovery workouts of FDIC assets in 1993 and recovery for RTC charged-off assets in 1994.

1990 - 1992 MELLON BANK - PSFS Philadelphia, PA

COLLECTION RECOVERY WORKOUT Philadelphia, PA

Managed the consumer collection unit, the daily operations, and external relationships with attorneys, collection agencies, and repossession facilities. Recovered and worked out charged off consumer loans in 1991 which was double of the previous year within the Bank’s East region.

1986 - 1990 MERITOR SAVINGS BANK - PSFS BANK Philadelphia, PA

CONSUMER LOAN OFFICER UNDERWRITER Philadelphia, PA

Managed a staff of underwriters to process consumer lending products; revolving, installment, personal, auto, and real estate-secured loan applications. Recommended potential leads to other departments of the Bank.

John C. Di Filippo

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1984 - 1986 MANUFACTURERS HANOVER FINANCIAL SERVICES, INC. Huntingdon Val., PA

BRANCH MANAGER Riverside, NJ and Freehold, NJ

Managed the daily operations of a consumer finance branch office. Managed a staff to provide credit services to consumers. Managed staff to maintain communications of delinquent obligations.

1981 - 1984 HOUSEHOLD FINANCE CORPORATION - HFC Prospect Hts, IL

BRANCH MANAGER Ramsey, NJ and Paterson, NJ

Managed the daily operations of a consumer finance branch office. Managed a staff to provide credit services to consumers. Managed staff to maintain communications of delinquent obligations.

PART-TIME JOB:

2012 - Present THE HOME DEPOT Westampton, NJ

HEAD CASHIER Westampton, NJ

Supervise and manage cashiers within the store during assigned shifts. When assigned an evening shift, I close out the end of the day's business and secure all monies taken from each cash register for proper transportation to the secured money room. When assigned a morning shift, I open and prepare all cash registers for the new day's business activity. Here I have the responsibility for the placement of new monies received from the money room into each cash register. I provide hands-on training for new cashiers and mentor those that are seasoned. I ensure that all cashiers provide superior customer service to all who visit the store. I will provide intervention to satisfy a customer's negative experiences and establish satisfaction results. From the Garden Center to the Customer Service Desk to the Pro Desk, and all individual cash register locations, I can provide over-rides and monetary discounts.

EDUCATION:

MONTCLAIR STATE UNIVERSITY, Upper Montclair, NJ

Bachelor of Sciences Degree: BUSINESS ADMINISTRATION

COUNTY COLLEGE OF MORRIS, Randolph Township, NJ

Associate of Sciences Degree: PUBLIC ADMINISTRATION

COUNTY COLLEGE OF MORRIS, Randolph Township, NJ

Associate of Arts Degree: HUMANITIES & SOCIAL SCIENCES

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