John Harris
Resume:
JOHN D. HARRIS
Cordova, TN **018
901-***-**** home
901-***-**** mobile
********@*********.***
QUALIFICATIONS SUMMARY
Results oriented financial services leader with proven experience focused on consumer banking and financial services specifically in indirect automobile lending, business to business sales, retail collections, repossessions, remarketing, foreclosures, and debt counseling. Adept at negotiating with customers to consistently produce win-win outcomes. Successful at implementing several software and technical products to facilitate the collections function while improving employee productivity. Team oriented leader who builds strong relationships that enhance employee morale and impact the bottom line.
PROFESSIONAL EXPERIENCE
CITIFINANCIAL AUTO Memphis, TN 2005-current
CitiFinancial Auto provides auto financing to U.S. consumers via auto dealerships and the Internet. CitiFinancial Auto is a member of Citigroup, the world's largest financial services company, which has 200 million customer accounts and does business in more than 100 countries.
Client Development Officer 2 (2005-current)
Originates indirect auto loans by communicating loan approval/denial to affiliated dealers and negotiating final terms. Educates the dealer base on the type of loan the company is accepting while building and maintaining relationships. Follow up with dealership to determine if they will accept the loan decision.
- Along with the efforts with other buyers and underwriters, the aggregate amount of new loans booked for the entire branch averages $2.1 million dollars each month.
- Individual efforts resulted in the origination of 1370 automobile loans totaling 25.1 million dollars over a 3 year period while meeting or exceeding all benchmarks for portfolio performance.
- Created weekly sales flyers for distribution to all dealers that kept dealers informed of new programs, sales promotions and weekend/holiday hours.
- Made frequent in person sales calls to dealers to generate more business and address any questions or concerns dealers may have.
- Assisted with monthly quality control audits on recently funded loans to ensure all policies relating to loan approval, underwriting and funding were being complied with.
- Assisted underwriters when necessary with loan funding.
NATIONAL BANK OF COMMERCE, Memphis, TN 1998-2005
Acquired by SunTrust Banks, Inc., with total assets of $158 billion and total deposits of $103 billion.
Bank Officer (2002-2005)
Managed a department of 30+ customer service representatives maintaining installment loan delinquency at an average of 2.36 percent and preventing loss exposure on a loan portfolio of approximately $3 Billion in total installment loans outstanding.
- Supervised 9 employees managing accounts under 30 days past due across all bank portfolios who consistently met all productivity requirements.
- Supported 28 employees within the consumer loan collections department to resolve escalated issues and maintain production performance.
- Troubleshot various PC problems to minimize employee productivity impact.
- Measured employee productivity and prevented employee theft of services by writing several proposals that resulted in the acquisition of new collections related software.
- Provided upper management tools to accurately monitor performance of the company's entire loan portfolio totaling 7.1 billion by preparing daily and monthly employee production and departmental performance reports.
- Increased employee headcount by 5 employees by authoring a proposal to manage loan portfolio growth over 15%; the entire department ultimately maintained or exceeded overall goals.
- Facilitated successful mainframe host conversion through detailed planning to meet software mapping and testing requirements as laid out by the IT department to meet all deadlines by the scheduled conversion date.
- Doubled employee daily call production by altering auto-dialer system parameters to eliminate ineffective and calls, enabling more live customer calls to be routed to agents.
Senior Loss Mitigation Specialist, Real Estate (2000-2002)
Supervised a team of 5 employees that consistently met or exceeded company objectives and maintained delinquency within a bank mortgage portfolio.
- Reviewed seriously delinquent mortgages to ensure all alternative resolutions had been explored prior to referral for foreclosure.
- Collaborated directly with outside investors such as FHA, FHLMC, FNMA, and VA to achieve goals for loss mitigation and foreclosure prevention.
- Counseled team members on pertinent training and performance issues to maximize monthly performance incentives earned and achieve company and individual goals.
- Installed software and wrote procedures for utilizing a new check-by-phone system that averaged over $1.8 Million per month collected department wide for past-due loans and generated an average of $5,000 per month in fee income.
Collections Specialist I (1998-2000)
Along with other team members, controlled delinquency and losses on the indirect automobile portfolio with over $1 Billion in total receivables.
- Consistently met or exceeded company and team goals, while also earning the highest monthly incentive attainable.
- Identified problem accounts and located loan collateral to minimize risk exposure for collateralized loans, while maintaining a repossession and charge-off rate of less than 2% of assigned loans.
- Provided superior customer service to exceed expectations and build bank loyalty.
FORD MOTOR CREDIT COMPANY, Memphis, TN 1994 - 1998
A wholly owned subsidiary of Ford Motor Company offering a wide variety of automotive financing products to and through automotive dealers throughout the world.
Customer Service Representative
Maintained delinquency on 7,500 metro area automobile loans to ensure that company goals for profit and loss control goals were met or surpassed.
- Performed regular floor plan audits of affiliated dealerships to verify inventory control measures were being maintained to minimize loss potential to the company and support dealer profitability.
- Delivered speeches to area high school students to communicate the importance of maintaining a good credit rating.
- Assisted with new hire training to maintain superior customer service satisfaction ratings of 99%.
EDUCATION AND PROFESSIONAL DEVELOPMENT
BBA, Banking and Finance / Managerial Finance, University of Mississippi, Oxford, MS
Completed Core Curricula, American Institute of Banking
Seven Habits of Highly Effective People Seminar, Franklin Covey
Leadership Training, National Bank of Commerce
System Administrator Certification, Melita Predictive Dialer Software
Contact this candidate