Phillip Wilkins Residence: 705-***-****

Email: yipfe7@r.postjobfree.com

Financial Services SENIOR MANAGER Credit, Collections and Underwriting Specialist

• In-depth experience of lending, collecting and operation of prime and non-prime programs, including all mortgage, credit and credit card products, accounts receivable and credit adjudication within the manufacturing and contracting sectors.

• Proven ability to develop, implement and manage credit, sales, operations, collections and administrative divisions across Canada.

• Very strong leadership, coaching, training and motivational skills.

• Proven sales performer with highly developed negotiating and closing techniques.

• Executive expertise honed in three of the chartered banks, plus several leading finance and leasing firms.

• Well developed strategic planning skills with the proven ability to achieve corporate business development objectives.

• Logical thinker with good analytical and problem solving skills.

• Organized and creative, able to manage multiple business development projects with aggressive timelines and budgets.

• Leader of high performance credit, sales and debt/security recovery teams, maintaining focus on bottom line.

CAREER HISTORY

2000 – Present WPM VP Lending, Collecting and Sales Management

Working with several public and private sector enterprises, contractors and manufacturing firms, developed and managed lending and collection systems and introduced risk management. Also developed retail finance territories from non-substantial volumes to profit-generation and self-sustaining areas.

Highlights:

• Assignments include SWPC, DLC, Wells Fargo Financial, IG/RE Investments and Mortgages, Financialinx Leasing, Girex Virtual Bank, MB, SWPV and Kinedyne.

• Several private firms/dealerships in the GTA, Barrie and Northern Ontario areas.

Oct 2011 – Present Consolidated Credit Counseling Services of Canada Inc.

Community Outreach Liaison

Member of the Community Outreach Team, deliver and administer Financial literacy Programs to various community groups, associations and corporations

Highlights:

• Attained four major employers and two community associations for 24 month program with seminars, publications and web application.

1997 – 2000 National Bank of Canada Senior Manager Dealer Services

Reported to the V.P. Commercial Credit, managed staff of 35 in the Dealer Services program for Canada. Services included indirect lending and dealer support.

Highlights:

• Initiated and implemented dealer program in Barrie, Ontario, and successfully developed the portfolio to over $100 million in the first year.

• Project Leader in restructuring a poor performing program, designed and implemented a system that created consistency and profit.

• Supervised sales, credit, operations and collections staff.

• Member of Management team responsible for changing and implementing policy procedures and budget.

• Recruited, trained, coached and motivated staff to work as an effective customer service team.

• Set performance and compensation measures for individuals and departments.

• Prepared, organized and facilitated training sessions and meetings.

1995 – 1997 Canada Trust Regional Sales Manager

Reporting to the District Sales Manager, responsible for the direct retail financing relationship with dealers in Eastern Ontario.

Highlights:

• Introduced and managed Indirect Loan Program (automotive, marine and RV) to dealers in Eastern Ontario. Dollar growth >42%.

• Developed a portfolio of clients and provided branch support during RRSP and Bond seasons.

• Member of Development Team (Products and Compensation) that reviewed and recommended changes to loan and commission structures.

1987 – 1995 Scotiabank Assistant Manager, Northern Ontario Project Manager Dealer Plan

Completed all bank training programs and accepted assignments throughout Northern and Central Ontario. Emphasis; sales, lending, collections financial planning and staff development.

Highlights:

• Managed retail branches, handled associated retail products and small commercial accounts.

• Member of the team that implemented the ‘Personal Banker” initiative.

• Assigned to team which unrolled ‘Dealer Plan and Mortgage Services’ as a centralized operation.

EDUCATION AND TRAINING

• Bachelor of Arts, Economics/Business.

• Mutual Fund License.

• National Safety Code 10, trainer in compliance.

• Marketing & Computer Science, York University.

• CCP

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