Customer Service Time Work
Resume:
Roger K. Spencer
Windermere, FL 34786
Objective: To utilize my initiative, strong work ethic, communications and customer service skills, with an established company. I believe I would be a valuable asset to your company. I am goal oriented and enjoy exceeding expectations, and am looking forward to joining a company that may offer a life-long career.
Summary: Offering 26 years of lending experience, as well as a comprehensive background in retail sales and customer service. I am detail oriented and organized. I helped to open our Auto Finance Office in Orlando with BB&T. I have developed the North Carolina/Florida market for BB&T, Fidelity Bank, Northwest Federal Credit Union and I Think Financial Credit Union. I Think Financial Credit Union
PO Box 5090
Boca Raton Florida 33431
Position: Senior Indirect Lending Officer
Tenure: March 8, 2019 to Present
● Responsible for the development of indirect paper in my assigned area.
● Responsible for reviewing credit applications for automobile purchases while complying with company lending guidelines.
● Responsible for perfecting liens titles, aftermarket product refunds, early default reviews.
● Responsible for signing up new Dealerships.
● Responsible for Collections of 15 to 150 days past due.
● Responsible for direct side lending credit cards, credit lines, automobile loans. Brilliant Creative Fabrication LLC
601 Triumph Court Suite 1
Orlando Florida 32805
Position: Special Project Manager
Tenure: September 13, 2018 to March 8, 2019
● Responsible for the development of new product lines for the Brilliant team.
● Brilliant currently holds the contracts for park development for Disney and many museums. I am helping expand their current business model to currently include teardrop campers. Northwest Federal Credit Union
200 Spring Street
Herndon VA 20170
703-***-**** ext 4418
Position: Lender
Tenure: September 18, 2016 to September 10, 2018
● Responsible for soliciting new dealerships to sign up with NWFCU, I also visit our existing dealerships monthly.
● Responsible for reviewing credit applications for automobile purchases while Complying with company lending guidelines.
● Responsible for a minimum of 5.0 million dollars in new loan production each month. I currently average 8 million dollars per month and have developed and maintained a 128 Million dollar portfolio, performing at 21bp in past dues and 38bp in losses. Fidelity Bank
3 Corporate Square
Suite 110 - 5th Floor
Atlanta, GA 30329
Position: Lender
Tenure: December 6, 2008 to September 18, 2016
● Responsible for soliciting new dealerships to sign with Fidelity Indirect. I also visit with our existing dealerships monthly.
● Responsible for reviewing credit applications for automobile purchases while Complying with company lending guidelines.
● Responsible for a minimum of 3.0 million dollars in new loan production each month. I currently average 4.5 million dollars per month and have developed and maintained a 140 Million dollar portfolio.
● Responsible for maintaining past-dues at 2.00% or less and a charge off percentage of
.50bp. My current past due percentage is .20%, and charge off percentage is .31bp. Branch Bank and Trust Company (BB&T) Auto Finance Division 3261 Atlantic Avenue
Raleigh, NC 27604
919-***-**** (Direct)
Position: Lender III
Tenure: July 8, 1996 to December 6, 2008
● Responsible for soliciting new dealerships to sign with BB&T Sales Finance. I also visit with our existing dealerships monthly. I have worked closely with BB&T City Executives and Commercial Loan Officers to offer new as well as existing dealerships the wide variety of services that BB&T offers, to further BB&T's concept of Integrated Relationship Management.
● Work closely with my collections group, calling past-dues, authorizing deferrals & Modifications, and when no other options are available conducting repossessions.
● Responsible for reviewing credit applications for automobile purchases while complying with company lending guidelines.
● Responsible for a minimum of 3.5 million dollars in new loan production each month. I currently average 4.9 million dollars per month and have developed and maintained a 121 Million dollar portfolio.
● Responsible for completing financial spread sheets for each of my 'site draft' dealerships.
● Responsible for maintaining past-dues at 2.00% or less and a charge off percentage of
.50bp. My current past due percentage is 1.70%, and charge off percentage is .47bp.
● Responsible for maintaining average yield of prime - .50. My current yield is at prime +1.18%
● Responsible for obtaining a minimum 5% penetration of BB&T gap insurance on new Loan production each month, I currently average 9.00%.
Household Finance
561 Cross Creek Executive Center Suite 2
Fayetteville, N.C. 28303
Position: Account Executive
Tenure: June 11, 1995 to July 7, 1996
● Responsible for increasing loan outstanding a minimum of 100,000 per month, Achieved an average of 151,000 per month, with a high of 329,000. The majority Of the loans produced were 2nd mortgages, the remainder, were unsecured loans.
● Responsible for servicing existing customer accounts and maintaining a high Standard of customer service.
● Maintained a high standard of ethical sales practices during insurance and loan solicitation.
● Enrolled in management training. Commissioned as a notary public. Became a licensed Insurance agent in the state of North Carolina.
● Responsible for increasing loan outstanding a minimum of 100,000 per month, Achieved an average of 151,000 per month, with a high of 329,000. The majority Of the loans produced were 2nd mortgages, the remainder, were unsecured loans.
● Responsible for servicing existing customer accounts and maintaining a high standard of customer service.
● Maintained a high standard of ethical sales practices during insurance and loan solicitation.
● Enrolled in management training. Commissioned as a notary public. Became a licensed Insurance agent in the state of North Carolina.
H&S Services Commercial Refrigeration HVAC
1511 Hwy 53
Jacksonville, NC 28540
Position: Owner
Tenure: February 11, 1994 to June 11, 1995
● Completed HVAC fundamentals at Coastal Carolina Community College, obtained my CFC certification, Universal Rating (NC-200-9728)
● Opened H&S Services. Successfully solicited and obtained contracts with Camp Lejeune, Shoney's between Elizabeth City and Myrtle Beach, Koffman Homes, EJ Pope & Son Inc., Fisherman's Wharf restaurant in Jacksonville NC, as well as the surrounding residential community.
● Responsible for the repair and or replacement of residential as well as commercial grade heating and air-conditioning, and refrigeration equipment. EJ Pope & Son Inc
P.O. Drawer 649
Mount Olive, NC 28365
Position: District Supervisor
Tenure: February 26, 1986 to February 11, 1994
● Directly involved in the coordination of operations, which included the supervision of 63+ employees in nine convenience store locations in three counties, Payroll administration, inventory control, budget construction, and customer service.
● Served as instructor during group meetings and seminars which covered topics such as Selling techniques, employee morale, equipment installation and operations, as well as Emphasizing existing policies and procedures.
● In the event of a fuel spill I was responsible for coordinating the clean-up operations, hydro-Carbon testing and soil removal.
Education
● Camp Lejeune high School: High School Diploma.
● Coastal Carolina Community College: Completed Fundamentals of Heating and Air Conditioning. Completed CFC Certification.
● Leadership I: Management Training with BB&T Cohen Brown Seminars: Overcoming Objections.
● Keye Productivity Seminar: Hiring and Firing Strategies, Techniques and Laws.
● Dun and Bradstreet Education Seminars: How to become a successful supervisor, Supervisory Skills II. Nash Technical College: Managerial Skills II.
● Training Concepts Incorporated Seminar: How to build and lead your team. Padgett Thompson Seminars: Time Management.
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