Customer Service Accounts Receivable

Timothy Toy

** *** **** *****, *** Ramon, California 94583

Cell: 209-***-****

Email: *******@***.***

Summary

An innovative, multifaceted, detail and solutions-oriented Financial Manager with a unique combination of skills, including managing, training, collections, billing, customer service, problem solving, implementing efficient and profitable quality solutions in Small to Large Organizations.

Highlights

Credit/Collections Management

Regulatory Compliance

Influencing and Negotiation

Debt and Liability Reduction

Staff Supervision and Training

Team Building and Development

Benchmark Analysis/Reporting

Issue Resolution/De-escalation

Risk Assessment and Prevention

Research and Investigation

Process Innovation/Improvement

Business/Operations Management

Accomplishments

Interim Chief Financial Controller for six months

Maintained Recovery Goal Average of 119% set by Wells Fargo Bank

Reported the lowest Recovery Management Records at Safe Security

Obtained an overall delinquency of 49% during my first year at Santa Clara County F.C.U. and maintain an overall delinquency average of 58%

Implemented new Policies and Procedures

Experience

Guns, Fishing and Other Stuff August 2017- Current

Gun Manager

Manager Gun Counter Staff

Review 4473 and DROS Paperwork

Sales and Customer Service

Inventory

Opening and Closing Duties

Dick’s Sporting Goods August 2015 – August 2017

Lodge Sales Associate

Sales and Customer Service

Inventory

Opening and Closing Duties

Bank of America May 2011 – December 2013

Customer Relationship Manager

Manage 10 Team Members assisting Customers with Past Due Loans

Assist Customers with HAMP/Non-HAMP Program

Submit documents to the Underwriters

Contact Customers for incomplete or additional documentation

Assist Customers with Modification, Short-Sale, Deed In Lieu and Foreclosures

Assist Customers with Informal and Formal Repayment Plans

Sage Software July 2010 – January 2011

Accounts Receivable/Billing/General Ledger (Contractor)

Prepare monthly Customer Invoices

Trace, research and verify invoices posted to the General Ledger in the new Sage billing system

NHSA November 2008 – June 2010

Senior Collections Specialist

Organize and bring current 6 month vacant Senior Collection Specialist position

Prepare the Month End Delinquency Report for Director

Collections on Accounts Receivable Aging

Work on Foreclosure and Bankruptcy Loans

Implement collections flex schedule and automated mortgage insurance report

Approved/Declined Modification packages for FNMA and NHSA owned/serviced loans

Recommend and Process Charge-Offs and Note Sale Packages

Report and file mortgage insurance delinquencies and claims

File POC or Re-Affirmations for Bankruptcies and Motion from Relief of Automatic Stay

SAFE Security August 2007 – June 2008

Collection Manager

Manage 4 Collectors that located and contacted delinquent clients

Review and Approve/Decline payment plans and Charge-Offs

Provide the Delinquency and Charge Off Projections to the CFO and COO

Prepare the Month End Recovery and Charge-Off Report

Assign accounts to the Collection Agency

West Asset Management April 2007 – August 2007

Collection Manager (Contractor)

Manage 12 Collectors that were responsible for the Bank of America portfolio

Prepare the Daily Recovery Statistics Report for the Assistant Director

Determine and assign the Collectors’ monthly goals

Wells Fargo Bank April 2001 – July 2005

Assistant Vice President

Manage 22 Collectors in the Loss Recovery Center responsible for the Loan and Lease portfolios

Manage the Repossession and Agency Department

Implement the on-line system for the Repossession and Collection Agencies

Approve Repossession, Agency and Legal Action Assignments

Implement Recognition Program for the Collection Department

Prepare Daily Recovery Statistics Projections Report for the Vice President

Implement Performance Plan

Initiated newsletter for the Collection Department

Transouth Financial Corporation February 2000 – March 2001

Collection Specialist

Review and Approve/Decline payment plans, assign Repossessions and file Small Claims

Approval/decline of re-writes of loans

Provide Regional Vice President and Branch Managers with Charge-Off Projections

Maintained business relations with Repossession Agencies

Timothy Toy

Education

System training, Summit Information Systems, Corvallis, OR 1996

System Administration training, Ultradata Corporation, Pleasanton, CA 1988

Computer Science, Diablo Valley College, Concord, CA 1981

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