Director/VP/Manager of Collections
Resume:
Debra S. Schulze
Palm Harbor, FL 34685
***********@***.***
OBJECTIVE: To join an organization where I can share my knowledge and experience to increase productivity, enhance performance and grow professionally.
EXPERIENCE:
GTE Federal Credit Union January 2010 – November 2010
711 E. Henderson
Tampa, FL 33260
Position: Director of Loss Prevention
Responsibilities: Manage all collection activities for a $1.6B consumer and commercial
portfolio with a team of 45 to include all levels of delinquency, bankruptcy, repossession,
foreclosure and REO, special assets, liquidation, agency and legal placements. Analyze
reports to develop strategies, assist in the enhancements of collection system, and create
efficiencies and increase productivity.
Accomplishments: Developed training program. Reduced repossession and liquidation
Costs by over $500,000 annually. Reduced FTE by 27% through efficiencies and
Increased productivity. Reduced monthly gross losses from over $5MM to $1.9MM.
VyStar Credit Union March 2009 – November 2009
2310 Village Square Parkway
Fleming Island, FL 32003
Position: Vice President Collections
Responsibilities: Managed all collection activities for a $3B+ consumer and commercial portfolio with a team of 50 collectors to include all delinquency levels, bankruptcy,
repossession, liquidation, special assets (commercial real estate), agency and legal
placements. Analyze reports to develop collection strategies, team lead in the research
and design of new collection system.
Accomplishments: Developed training program. Reduced repossession costs by $95,000
annually. Reduced FTE by 12% through efficiencies and increased productivity. Reduced
commercial real estate delinquency from 1.80% to .64%.
Sheffield Financial, a Division of BB&T, FSB June 2007 – March 2009
6010 Golding Center Dr.
Winston Salem, NC 27103
Position: Vice President Collections
Responsibilities: Managed all collection activities for a $700MM consumer and
commercial portfolio with a team of 38 collectors and support staff to include all
delinquency levels, bankruptcy, agency and legal placements, repossession, and
remarketing. Analyze reports to develop collection strategies to improve performance.
Accomplishments: Developed training program to include FDCPA, FCRA and SCRA.
Assisted in the development of and transition to a new collection system. Enhanced
Bankruptcy department processes resulting in loss reduction of over 83% compared to
Debra Schulze
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2007. Developed efficiencies in repossession processes resulting in significant time
savings. Negotiated reduced transportation and auctions for a savings of over $300K per
year. Reduced time from auction arrival to sale resulting in overall non-performing
assets average month end balance decrease of over $500K. Increased recovery dollars
through post charge off repossessions and third party vendors by over $75K per month.
Created collector standards that increased employee production by over 400% in call
volume.
Discover Financial Services October 2005 – May 2007
West Valley City, UT
Position: Senior Department Manager
Responsibilities: Managed all customer service and collection activities for a $300MM portfolio of unsecured loans to include all delinquency levels, bankruptcy, fraud, agency and legal placements, and internal recovery. Analyze performance data and industry trends to create collection strategies.
Accomplishments: Assisted in the smooth transition of the department from South Dakota to Utah. Worked with Loan Origination and Marketing in the relaunch of the personal loan product. Awarded two President’s Plates and exceeded loss and delinquency goals consistently every month.
Discover Financial Services/Morgan Stanley Credit Corp. July 1992 – October 2005
Sioux Falls, SD
Position: Unit Manager to Senior Department Manager
Responsibilities: Grew from managing a team of three collectors in early stage to managing up to 100+ collectors in all collection processes to include all levels of delinquency, bankruptcy, fraud, agency/legal placements, repossession, liquidation, foreclosure/REO including servicing requirements for FNMA and other investors.
Accomplishments: Increased internal recovery dollars from $500K per month to over $1MM through department restructuring and training. Reduced fraud in HELOC loans to less than $100K per year. Created the Suspicious Activity Report process and fraud follow up. Developed agency and legal network. Awarded one President’s Plate – the Sioux Falls facility was not included in these awards until 2004.
SKILLS/KNOWLEDGE: Full knowledge of FDCPA, FCRA, SCRA, FACTA, Federal Bankruptcy Law, State specific collection requirements, Small Claims and Legal process, State repossession laws including UCC and Right to Cure requirements. Active member of a number
of collection related organizations and member of editorial board of an online collection
magazine. Working knowledge of Word, Excel, and Noble dialer system.
EDUCATION: Oregon State University
University of Phoenix
Numerous seminars and conferences relating to leadership, collections, and
recovery.
REFERENCES: Upon request
Contact this candidate