Loan Servicing Customer Service Credit

Philip Buckmeier

Dallas, TX

214-***-**** **********@*****.***

https://www.Linkedin.com/in/philbuckmeier

Core Competencies

Credit Analysis: Extensive experience in all commercial and consumer credit facets. Skilled in analyzing financial statements, including performance ratios, to develop initial assessments by identifying strengths and weaknesses in borrower’s historical operating performance. Knowledge and experience with federal and state regulatory compliance.

Project Management: Proficient in managing multiple roles simultaneously in fast-paced environments, delivering results on time and within scope. Developing and implementing credit strategies.

Customer Centric Support: Proven history of providing exceptional customer service to external and internal constituents through phone, mail, email, and in-person interactions.

Creative Problem Solving: Expert in solving complex business problems and implementing solutions that streamline processes and enhance customer experience.

Effective Communications: Proven track record of delivering effective communications within organizations and externally through mail, email, and websites, including remote office locations.

Career Experience

Credit Officer, Vice President

Point Bank, Pilot Point, TX

March 2015 – April 2022

Underwriting, credit analysis, and loan portfolio for a $850M community bank with nine branches for secured and unsecured lending

Managed credit risk, handling commercial and consumer loan portfolios and keeping loans under 30 days delinquent. Adjusting risk ratings as necessary.

Set up, administered, and maintained the Loan Origination System, increasing efficiency in originating consumer loans from 5 loans monthly to over 50 within 2 years

Grew Bank’s unsecured portfolio of purchased loans from $8M to $25M in 4 years by reviewing loans offered to determine if the loans met the banks’ criteria, preliminary analysis of financials, determined the amount to bid, made offers on an online purchasing platform, on winning bids finalized the financial analysis, prepared credit memos, obtained signatures as needed, sent to funding

Provided training to bank personnel and credit analysts

Daily review of checking accounts that have exceeded assigned overdraft limits

Performed customer service on existing non-commercial and non-real estate loans

Evaluated the LTV of collateral presented for commercial and non-real estate loans using various methods and resources

Provided the management of foreclosures from default to resale

Handled collateral repossessions, including skip tracing, recovery, or legal actions to marketing and resale.

Analysis of businesses requesting Treasury services

Worked with the Compliance Department on regulatory and operations issues

Reviewed monthly SBA loan reports

Complied reports for the Board of Directors and others as needed

Monitored bills for credit reports and credit software

Assisted in developing processes, supported sales of bank products, reviewed credit policies, and set lending rates and fees

Worked with CEO on various requested items

Heavy experience with Excel, Microsoft Office Suite, FISERV Precision, FIS, Adobe Acrobat, DocuSign and other software products

Operations Manager

Kendor Financial LTD, Pilot Point, TX

January 1995 – April 2014

Management of the day-to-day operations of a nationwide loan servicing, originations, and consulting business. Made a market for servicing and providing support services of loan portfolios for both large and small business entities as a full-service loan servicing company

●Handled 65 loan portfolios for investors consisting of 1700 loans

●Functions comprised loan onboarding, administration, collections, default management, cash processing, investor reporting, insurance tracking, and escrow analysis.

●Collections consisted of 30/60/90 days plus for the leading portfolio of lenders, subcontracted to handle 90+ accounts for Electronic Data Systems (EDS)

●Handled all foreclosures, repossessions, legal accounts and bankruptcies

●Managed pre-sale and liquidation of foreclosed or repossessed collateral for clients, including repossessions of Ford Motor Credit Manufactured Housing division

●Compiled and analyzed investor accounting reports for clients utilizing core reporting software and Excel spreadsheets

●Trained and mentored team in state and Federal regulations compliance

●Directed the technology and computer operating system (MSP), credit underwriting (LOS), collection systems, data management

●Managed administrative tasks of tax reporting, licensing, credit bureau reporting, property insurance, policies and procedures, vendors, legal services, payroll, and staffing

●Consulted on credit review strategies with investors in loan purchases

●Various other activities in the financial services sector, such as

-Insurance Sales

-Mortgage Broker (State of Texas)

-Collateral review for Investors' portfolio purchases

-Purchase of loans from various sources

Education

Bachelor of Business Administration in Finance

Texas Tech University

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