Experienced Collections, Bankruptcy and Finanace Manager
Resume:
CARL OBERMILLER
Crystal, MN 55422
Home: 612-***-**** **********@***.***
SUMMARY
Bottom line and process oriented Manager with expertise in credit, collections and financial analysis. Known for the ability to streamline processes to maximize productivity and savings to the company. Adept at managing litigation and delivering results without costly court costs whenever feasible. Excellent communicator in written and verbal form who develops winning teams that enjoy professional growth while protecting company assets.
PROFESSIONAL EXPERIENCE
CASH MANAGEMENT SOLUTIONS, St. Louis, MO 2008 – Present
Sr. Credit & Collections Manager
Providing professional consulting services to Gray Plant Mooty Law Firm, Minneapolis, MN in the areas of Credit and Collection Management.
• Led project that integrated St. Cloud, MN office into the corporate AR Department.
• Reviewed and recommended changes in Client Intake Process and Procedure.
• Reviewed, recommended and assisted in Developing Reporting and Goal Setting.
• Co-management of a $20 million portfolio, personally recovering over $3 million in aged assets with
$1.2 million falling over 90 days delinquency.
• Assisted in the review of existing Credit Policies, recommending changes in an ongoing process.
WELLS FARGO AUTO FINANCE, Eden Prairie, MN 1996 – 2008
Bankruptcy Manager 2005 – 2008
Responsible for administrative operations and back end bankruptcies. Directed 21 person staff including
four supervisory.
• Managed year long domestic integration project including application design resulting in the consolidation of five platforms into one allowing faster more accurate information sharing. Project was completed on time and on budget without temporary or long term staff additions.
• Led imaging project bringing all imaging in-house and saving considerable money and time.
• Minimized delinquent portfolios to 98.9% delinquency effectiveness by managing workflow.
• Litigated court battles, filed documents and audited attorney billings.
• Designed training programs to develop team members, increase productivity, and assist in
career development.
Bankruptcy Supervisor, Edina, MN 2002 – 2005
Oversaw non-exempt staff of six working bankruptcy portfolios. Responsible for all domestic delinquency, litigation, and account adjustments on bankrupt accounts.
• Managed accounts in all 50 states.
• Conducted negotiations with attorneys and vehicle owners to reach a win/win resolution for
delinquent accounts.
• Reviewed files for feasibility negotiating interest rates, vehicle value, and payment schedule.
• Initiated litigation when necessary to protect company assets.
• Assisted Department managers in the design and creation of a Centralized Bankruptcy Department.
• Audited a nationwide network of attorneys for productivity and cost analysis structures.
• Accountable for a portfolio of bankruptcy accounts valued at $25 million.
CARL OBERMILLER PAGE TWO
WELLS FARGO AUTO FINANCE (continued)
Bankruptcy Representative, Edina, MN 2000 – 2002
Responsible for a bankruptcy portfolio including extensive negotiation with attorneys and appearance in bankruptcy courts to resolve issues with opposing counsel.
• Appeared in bankruptcy court on behalf of the company.
• Developed relationships with attorneys and court personnel creating efficiencies and profits for
the company.
Collection Specialist, Edina, MN 1996 – 2000
Supervised an extensive portfolio of charged off automobile debt including collections, repossession, and account placement with attorneys.
• Recovered autos found missing after debt write-off.
• Remarketed collateral enabling company to recoup funds and minimize losses.
• Identified legal issues and risk areas and implemented solutions which protected the company from potential legal sanctions and financial losses.
• Utilized skip tracing to effectively recover collateral, collect deficiency balances, and manager accounts sent to attorneys for wage garnishment.
GC SERVICES, Limited Partnership 1991 – 1996
Collection Manager
Responsible for the collection of delinquent accounts within a variety of business portfolios.
EDUCATION
BA, Liberal Arts, St. Cloud State University, St. Cloud, MN, 1989
PROFESSIONAL DEVELOPMENT
Completed Management Development program emphasizing:
Coaching for Premier Performance
Managing for Premier Performance
Superworker to Supervisor
Diversity, “Creating an Inclusive Environment”
Conflict Resolution in the Workplace
Facilitation and PowerPoint Presentation
TECHNICAL SKILLS
Microsoft Office, Access, Imaging software products e-image and XPM databases
COMMUNITY INVOLVEMENT
12 Years working with United Way primarily in fundraising
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