Clayton M. Hunter

ady1k7@r.postjobfree.com

***** ****** *****

Waldorf, MD. 20603

240-***-****

Career Objective

Seeking a challenging oriented position in a dynamic organization that will value my knowledge, skills, and abilities while affording opportunities for growth, development and advancement. Summary of Qualifications

Over 30 years of increasing responsibilities in a major financial institutions with skills and experience in the following: Managing, Accounting/Analysis, Negotiation, Prioritizing, Oral and Written communication, Problem-solving, Organizing, Team Leading, and Customer Service. Professional Accomplishments

Transportation Federal Credit Union 11/2007-Present Delinquency Control Manager

Oversee the daily operation of the Collections Department and staff to preserve the credit union’s assets by controlling delinquent accounts, collecting delinquent loan payments and recovering of collateral to ensure that all measureable performance goals are meet.

• Manage a staff of 3 Collectors to provide direction, Training and support as needed.

• Set goals, monitors the work of the Collections Department, Conduct performance reviews, Allocate resources to meet operational needs within the department.

• Review and analyzes delinquent loan/negative shares accounts and make charge off recommendation to the Delinquent loan Committee/Senior management on a monthly basis.

• Responsible for recommending real estate modifications, workouts, Troubled Debt Restructures and foreclosures.

• Testify at legal proceedings as needed.

• Review all bankruptcy accounts filed proof of claim, and attend 341 meeting as needed

• Prepare monthly Delinquency Board Reports and present finding to the Delinquency Committee.

• Responsible for oversight of all vehicle repossessions.

• Evaluates and approves payment deferment request.

• Conduct portfolio review and analysis process and make decisions regarding member account blocking and closure.

• Oversee the recovery effort on all charged off loans.

• Prepare monthly ALLL report and quarterly Call report. Chevy Chase Bank, Bethesda, MD 4/1997 to 11/2007

Default Team Leader

Monitored and maintained 1 billion in Home Equity loans 5 millions in defaulted loans to ensure all funds were received with in a proper time frame and allocated to the correct accounts. Negotiate settlement on charged off loans. Assisted customers with account inquire. System administrator for Western Union Payment services.

• Supervised four Senior Collectors, provided training and support as needed.

• Prepared and submitted accounts for foreclosure and coordinated necessary action with Attorney as needed.

• Monitor and maintain all REO property.

• Analyzed credit information on all matured loans to determine if the loans were illegible for refinancing or loan modification.

• Reviewed bankrupt accounts and interacted with bankruptcy Attorney as necessary.

• Conducted quarterly due diligent review of outside collection agency to ensure their compliance with company policies and procedures.

• Design and prepared monthly management reports.

Browning-Ferris Industries, (BFI) Capitol Heights, MD 1/1996-4/1997 Credit/Collection Representative

Monitored and maintained residential and commercial accounts to ensure that all funds were received within the proper time frame. Reviewed potential customer credit history before the contract was provided. Reviewed and approved all vendors invoices, and Assisted network administrator.

Federal National Mortgage Association, (Fannie Mae), Washington DC. 10/1983-5/1995

Liquidation Analyst

Reviewed and corrected Lender’s monthly investor reporting to ensure correct reporting of account status and proper allocation of remittance, Assisted Lenders with weekly reporting. Monitored, analyzed and approved for charge off 3.5 million in liquidated loans, 25 million in delinquent loan activities and $1 million in receipts/disbursements. Negotiated settlement of outstanding balances on defaulted properties. Identified problems and took corrective actions to minimize losses. Instructed, and assisted Lenders with company policy, procedures and servicing guidelines daily. Conducted Lender visits as necessary

• Researched and resolved aged and problem cases which resulted in a reduction of past due liquidation claim by 50%

• Composed billing and repurchase letters and issued follow-up billing with penalty interest when necessary.

• Analyzed and approved disbursement requests from Lenders resulting in reduced turnaround time from 8 days to down to 2 days.

• Reduced the number of unidentified receipts by 40% and issued over 100 disbursement request monthly.

• Reconciled differences between sub-ledger and general ledger.

• Prepared weekly and monthly management reports.

Education

Strayer University, Takoma Park MD, 1998

University of Maryland, College Park, MD 1993

University of the District of Columbia, Washington D.C. 1982-1985 Spingarn Senior High School, Washington D.C. 1982

Skills

Microsoft Office, Word, Excel, Power Point, PDF, System Administrator for FIS, E-Oscar, and Accurint