Eric Halbakken

Portland, OR

adner9@r.postjobfree.com

503-***-****

linkedin.com/in/EricHalbakken97212

Financial Operations/Lending Manager

Accomplished, results-driven and motivated financial professional with several years of experience in the financial industry including consumer loan underwriting, portfolio analysis, loan participations, loss mitigation, project management, personnel management and overall banking operations. Highly experienced in making sound financial decisions to increase profitability and decrease losses to drive net yield.

Proven expertise in:

● Credit Analysis & Management

● Loan Processing & Servicing

● Risk Assessment & Mitigation

● Financial Statements & Analysis

● Portfolio Analysis

● Regulatory Compliance

● Project Management

● Budgeting & Cost Management

● Strategy, Vision & Mission Planning

● Sales & Marketing

● Vendor Management

● Team Leadership

● Staff Training & Development

● Human Resources Management

EDUCATION AND CERTIFICATION

Bachelor of Science / Organizational Leadership and Supervision Purdue University – West Lafayette, IN

AFSA Leadership Development Program

University of North Carolina – Chapel Hill, NC

PROFESSIONAL EXPERIENCE

Reliable Credit Association, Inc. – Portland, OR

Senior Regional Manager, 2/2000 to 10/2015

Directly coached, mentored and managed loan officers, team members and staff through feedback in addition to setting long-term career goals. With advanced knowledge of credit policies, procedures, practices and documentation I facilitated loan purchasing goals as well as lending terms to clients in an efficient and timely manner. Minimized risk and errors by conducting internal audits and controlling account receivables as well as collecting, presenting and communicating lending information to auditors assisting in successful completion of external audits. Analyzed and applied sound collection techniques to reduce delinquencies and negative loan balances while working closely with borrowers and ensuring employees provide excellent customer service. Demonstrated time management skills reflecting the ability to juggle multiple tasks simultaneously while delivering quality work on time.

Key Contributions:

● Responsible for approving loans outside of loan officer limits while reviewing work of underwriters and loan officers including investigation and analysis of credit risk associated with the continually increasing loan portfolio while working within established guidelines.

● Managed +$45M of outstanding auto and personal loans in Oregon and Washington.

● Directed and trained multiple new lending software, programs and upgrades to staff and team members.

● Built, processed and managed the preparation of the year-end financial accounts, audit process and content for Annual Report.

Repo Remarketing Services – Portland, OR

General Manager, 2/2016 to 12/2019

Enabled the workforce to clearly understand individual and team responsibilities by overseeing and implementing all organizational operations and policies. Managed day-to-day operations and all accounts in the Western territories such as AZ, CA, OR, ID, WA, NV and UT. Streamlined organizational workflow by creating and maintaining budgets, evaluated company performance, facilitating month-end processes, invoicing, journal entries and account reconciliations. Enhanced business growth and profitability by conducting candidate interviews, hiring new staff and managing staff levels. Increased business efficiency and productivity by planning and executing promotional events as well as corresponding employee events to drive engagement with a staff team. Key Contributions:

● Increased accounts by 17% within the first year, 11% during the second year and 9% the third year.

● Reduced employee reduction and built best-in-class team by fostering a collaborative work environment with a continuous improvement philosophy.

4Creative – Seattle, WA

Co-Founder / Board Member, 6/2011 to 7/2014

Maximized customer satisfaction by offering consumer and business-based solutions within the mobile social networking, advertising and application market spaces. Shared role in vision and direction for the company including legal entity operations, sales, revenue, social, brand awareness, lead generation, technology design and integration. Secured financing for concept development and initial staffing requirements. Key Contributions:

● Secured financing for concept development and initial staffing requirements.

● Lead team to develop initial product prototype for alpha and beta consumer test.

Extended Professional Experience with Reliable Credit Association, Inc.

Senior Regional Manager Federal Way and Lynnwood, WA (3/2008 to 10/2015)

Assistant Manager Milwaukie, OR (4/2004 to 3/2008) Financial Services Representative Portland, OR (2/2000 to 4/2004)

Contact this candidate