Texas Credit

Derrick Cox

**** ******** **** 361-***-**** Home

Corpus Christi, TX 78413

*****-************@*****.***

Education

****-**** ****** ***** ******* Albany, GA

B.S., Accounting

Graduated Summa Cum Laude (4.0 G.P.A.)

Presidential Scholar 1989-1994

Experience

2004 to Present Bank of Terrell Dawson, GA

Collection Manager / Loan Officer/Internal Auditor

Monitor and collect all loans in $92 million portfolio

Maintain percentage within bank goals.

Analyze credit applications and approve loans

Provide credit analysis for Sr. Management

Internal Auditing added to duties in Feb. 2007

2004 Fairway Toyota Albany, GA

Sales

2001 – 2004 United Agri Products Albany, GA

2003 – 2004 Special Asset Manager

Monitor and collect receivables for GA, AL, SC, and FL regions

Analyze credit to aid in collections

2001 – 2003 Asst. Credit Manager

Analyze credit and open lines of credit for agricultural entities

Monitor lines for past due and over limit status

Perform collection activity on accounts receivables

1991 – 2001 SunTrust Bank Albany, GA

11/00 – 5/01 Personal Account Executive/Credit Administration/Recovery

Lending and customer service at branch location

Monitor all South GA installment loans for policy exceptions and report to Sr. Management

Recovery of approximately $20 million portfolio

1999 – 2000 Credit Administration/Credit Analyst/Recovery

Monitor all South GA installment loans for policy exceptions and report to Sr. Management

Analyze and prepare commercial financial information, spreadsheets, and other credit information for board approval.

Recovery of approximately $20 million portfolio

1991 – 1999 Collections/Recovery/Lending

Responsible for collection of $22 million loan portfolio

Responsible for collection of $18 million recovery portfolio

Lending and customer service at branch location

1983 – 1991 C&S National Bank Albany, GA

Collections/Recovery Manager

Responsible for collection of South GA division

Supervision of five collection employees

Implemented training course for new collection employees

References

Carol Slappey, President, Heritage Bank, Albany, GA 229-***-****

Len Dorminey, President, Heritage Bank, Albany, GA 229-***-****

Don Monk, President, First National Bank, Albany, GA 229-***-****

Irma Whitten, Executive Director, Consumer Credit Counseling, Albany, GA 229-***-****

Sherman Willis, Sr. Partner, Gardner, Willis, Sweat, and Goldsmith, Albany, GA 229-***-****

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