Special Asset Loan Workout Commercial Collection Deductions Manager

Julie M. Bell

St. Louis, MO

PROFILE

Motivated and successful Commercial Banking professional with 9 years of expertise in workouts of distressed loans and management of special assets. Resourcefully uses broad skill set to quickly acclimate to new responsibilities and exceed performance expectations. Exceptional leadership, organizational, oral/written communication, interpersonal, analytical and problem resolution skills with value that create and maintain long-term relationships. Thrives in both independent and collaborative work environments. Consistently rated as ‘Top Talent’ by management of a Fortune 500 company and frequently promoted in less than one year.

CORE COMPETENCIES

Accounts Receivable Management

Commercial Collections

Debt Recovery

Bankruptcy and Litigation Support

Credit Analysis

Risk Management and Mitigation

Asset Based Lending

Fraud Detection

Negotiations

Operations Management

Leadership

Teamwork/Training/Mentoring

Problem Solver

Relationship Manager

Audit and Banking Experience

Personnel Management

ACCOMPLISHMENTS

Collections and Asset Recovery:

Collected $18.7 million or 90% on A/R balances over 3 years old on a long-term recovery.

Facilitated $4 million payoff of a distressed account without any losses amongst other smaller balance accounts; improving the branch’s charge-off rate.

Exceeded interest collection metric of 98% and achieved principal collection metric of 90% on territory accounts.

Provided litigation support on several fraud and Chapter 11 cases including one where legal fees totaling $30,000 and nearly $12,000 in past due interest were recovered.

Prepared and sold 100 small balance accounts to a 3rd Party collection firm.

Bankruptcy experience with DIP financing and mitigation of preference claims.

Portfolio Management:

Developed 80 new accounts in construction portfolio, achieving growth of over $15 million in managed assets.

Generated $2.5 million GM on a new, highly-visible portfolio by growing the volume to $157.6 million in the first full year.

Improved customer's GE experience by yielding one of the highest Net Promoter Scores of 51 compared to 36 from prior year and generated 10 cross-sell leads in same portfolio.

Risk Management:

Charged with a new, high-risk loan portfolio due to skill set and mitigated loss with zero charge-offs and non-earning assets over a two year period.

Performed underwriting and analysis reports for executive management on special asset accounts.

Sales:

Facilitated the activation of over 70 floorplan dealers, including the manufacturer’s Top 30, for a total of $61 million in active credit lines.

Directed an innovative Cross-Sell Initiative which introduced non-sales staff to GE leaders, provided training on other GE businesses, and tracked and rewarded sales leads resulting in 60 leads generated during a 12 month period.

Achieved 85% success rate cross-selling banking services including personal and commercial.

Personnel Management:

Supervised team who processed equipment fundings of over $260 million and ensured legal compliance per policy.

Coached direct reports on various career, performance, and personnel issues; led one to improve work output by training them on multi-tasking and organizational skills.

Facilitated the seamless transition of a new funding process involving international currency transactions.

AWARDS

2008 Attended Global GE Volunteers Meeting with Jeff Immelt, CEO of GE

2008 Account Buyout and Prime to Libor Pricing Projects

2007 United Way Team

2006 Mobility Portfolio Startup and System Integration Projects

2004 New GE Elfun of the Year

2002 Loan Workout of Fraud Account

2001 Teamwork on Rpt Standardization

1996 Award for Excellence in Education and Volunteerism, Saint Louis University

1992 Ignatian Service Scholarship

LEADERSHIP

PROFESSIONAL:

John Cook School of Business Alumni Board, Saint Louis University, 2007 to Current

Industrial Unit Cross-Sell Team, 2007

GE Capital Solutions Volunteer Budget Proposal Team, 2007

GE Corporate Citizenship Team, 2005 to Current

Local liaison for GE Corporate partnership with Junior Achievement, 2004 to Current

Spirit of St. Louis Credit Union Board of Directors, 2004 to 2007

GE Elfun/Volunteers Secretary and Treasurer, 2003 to 2005

Employee Opinion Survey, 2003

Alpha Delta Pi Sorority, 1993 to 1996

COMMUNITY SERVICE:

Junior Achievement Volunteer, 2004 to Current

GE Elfun/GE Volunteers Member and Project Leader, 2003 to Current

PROFESSIONAL EXPERIENCE

Account Executive – Industrial Equipment, May 2007 to Current

Account Manager – Industrial Equipment, Aug 2005 to May 2007

Special Assets Account Manager – Technology Resellers and Winery ABL, Nov 2001 to Aug 2005

GE Commercial Distribution Finance (fka Deutsche Financial Services), St. Louis, MO

ABL/Working Capital Account Manager – Technology Resellers, Nov 2000 to Nov 2001

Account Manager – Technology Resellers, May 2000 to Nov 2000

Deutsche Financial Services Corporation, St. Louis, MO

Pension Plan Specialist - Daily Asset Management, Jan 1999 to May 2000

RBGI The Benefits Group LLC, St. Louis, MO

Assistant Administrator - Client Services, Jan 1998 to Dec 1998

Bankers Trust Retirement Services, Inc., St. Louis, MO

Assistant Administrator - Pension and Institutional Administration, Jun 1997 to Jan 1998

Nations Bank, St. Louis, MO (Boatmen's Bank merged with Nations Bank)

Client Service Representative - Daily Plan Administration, Aug 1996 to Jun 1997

Boatmen's Trust Company, St. Louis, MO

Personal Banker, May 1995 to Aug 1996

Southwest Bank of St. Louis, St. Louis, MO

TRAINING AND SOFTWARE

Building Essential Leadership Skills

Troubled Loan Workout Process in Bankruptcy

Effective Coaching Skills

Understanding Yourself and Others

Financial and Cash Flow Analysis

Uniform Credit Analysis

Hiring the Right People

Leadership Without Authority

Lender Liability

Negotiation Skills

Six Sigma Green Belt Trained and Tested

Comprehensive Microsoft Office Software Training

Accurint and KnowX Skip Tracing Software

Crystal Reports and Stucky Loan Software

JD Edwards and MAS 90 Software

Trustmark and TALX Software

EDUCATION

Bachelor of Science in Business Administration, Saint Louis University – St. Louis, MO

Finance with an emphasis in Accounting

KEY WORDS: Accounts Receivable Management, Commercial Collections, Debt Recovery, Bankruptcy and Litigation Support, Credit Analysis, Risk Management and Mitigation, Asset Based Lending, Fraud Detection, Negotiations, Operations Management, Leadership, Teamwork, Training, Mentoring, Problem Solver, Relationship Manager, Audit and Banking Experience, Personnel Management, Sales, Management, Special Assets, Foreclosure, Debt Collection, Loss Mitigation, Real Estate, Commercial Real Estate

Loan Workout, Controller, Comptroller, Distressed Assets, Purchasing Agent, Team Lead, Consulting, Project Management, Short-term, TARP, Portfolio Manager, Portfolio Management, Collections, Collections Manager, Outside Sales, Busines Development Manager, Special Assets Manager, Special Assets analyst, Purchasing Agent, Purchasing Manager, Controller, Comptroller, Factoring, Consultant, Business Consultant, Regional Sales, Pharmaceutical Sales, Medical Equipment Sales, Territory Sales, Account Executive, Account Manager, Loan Manager, Loan Officer, Commercial Loan Manager, Commercial Loan Officer, Commercial Loan Analyst, Marketing, Finance, Sr. Account Executive, Sr. Account Manager, Loss Mitigation, Loss Mitigation Analyst, Portfolio Analyst, Operations, Portfolio Administration, Temporary, Full-time, FT, Loss Mitigation Specialist, Specialist, Business Restructuring, Turnaround Manager, Restructuring Manager, Restructuring Officer, Business Turnaround Manager Analyst Consultant, Legal Support, Commercial Cash Collections Support, Debt Collections, Representative, Recovery Unit, Coordinator, Project Accountant, Corporate Credit Manager, Director of Credit, Credit Manager, Commercial Credit Manager, Third Party Collection Agency Manager Sales, debt recovery solutions, cash flow solutions, collection outsourcing services, collection outsourcing solutions, B2B profit recovery, Business to Business profit recovery, Resolution Manager, Resolution Management, Team Leader, A/R collection recovery, Procurement, Troubled Asset Relief Program, Improve Profit, Improve Cash Flow, bank stress test, government stress test, non performing assets, charge offs, bad debt, debt write offs, Accounts Receivable Management, Commercial Collections, Debt Recovery, Bankruptcy and Litigation Support, Credit Analysis, Risk Management and Mitigation, Asset Based Lending, Fraud Detection, Negotiations, Operations Management, Leadership, Teamwork, Training, Mentoring, Problem Solver, Relationship Manager, Audit and Banking Experience, Personnel Management, Sales, Management, Special Assets, Foreclosure, Debt Collection, Loss Mitigation, Controller, Comptroller, Purchasing Agent, Team Lead, Consulting, Project Management, Short-term, TARP, Portfolio Manager, Portfolio Management, Collections, Collections Manager, Outside Sales, Business Development Manager, Special Assets Manager, Special Assets analyst, Purchasing Agent, Purchasing Manager, Controller, Comptroller, Factoring, Consultant, Business Consultant, Regional Sales, Pharmaceutical Sales, Medical Equipment Sales, Territory Sales, Account Executive, Account Manager, Loan Manager, Loan Officer, Commercial Loan Manager, Commercial Loan Officer, Commercial Loan Analyst, Marketing, Finance, Sr. Account Executive, Sr. Account Manager, Loss Mitigation, Loss Mitigation Analyst, Portfolio Analyst, Operations, Portfolio Administration, Temporary, Full-time, FT, Loss Mitigation Specialist, Specialist, Business Restructuring, Turnaround Manager, Restructuring Manager, Restructuring Officer, Business Turnaround Manager Analyst Consultant, Legal Support, Commercial Cash Collections Support, Debt Collections, Representative, Recovery Unit, Coordinator, Project Accountant, Corporate Credit Manager, Director of Credit, Credit Manager, Commercial Credit Manager, Third Party Collection Agency Manager Sales, debt recovery solutions, cash flow solutions, collection outsourcing services, collection outsourcing solutions, B2B profit recovery, Business to Business profit recovery, Resolution Manager, Resolution Management, Team Leader, A/R collection recovery, Procurement, Troubled Asset Relief Program, Improve Profit, Improve Cash Flow, bank stress test, government stress test, non performing assets, charge offs, bad debt, debt write offs, Senior Account Manager, Senior Account Executive, Process Improvement, Process Simplification, Operations Improvement, Operations Process Simplification, Bankruptcy Law, Business Law, Business Restructuring Law, Accounting Support Services, 3rd party collection, Loan Workout, Liquidation workout, Special Assets Workout, distressed assets, Real Estate

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