President

•••••I. Professional Summary•••••A versatile professional with twenty-three years experience in management and operations having a consistent history of solid job performance and advancement.•••••II. Employment History•••••••••• - ••••••••••STHI of New Mexico Incorporated
President•••••••••• - ••••••••••El Paso Bell Federal Credit Union
Vice President of Lending & Collections•••••••••• - ••••• Perfection Hy-Test Company
National Credit Manager•••••III. Education •••••••••• ••••••••••East Texas State University (Texas A&M)
BBA / Finance with ••••• GPA in major / ••••• scale
Outstanding Senior / Business Department
Glenn Gatlin Finance Award
Member of Financial Management Honor Society••••• ••••••••••N.C.U.A. Advanced Collections Institute •••••••••• University of Lending / Risk Based Lending School•••••••••• Leadership University
Associates Degree
IV. Significant Accomplishments & Areas of Responsibility•••••Credit Management / Manufacturing•••••Authored detailed credit and collection policy adopted by executive management. Policy resulted in major reductions in both collection expense and bad debt.•••••Analyzed credit applications, financial statements and credit bureau reports.
Responsible for credit approval and related return on investment calculations.•••••Coordinated the credit consolidation of the central and western regional offices reducing past due balances by thirty percent and reducing days sales outstanding by twenty days.•••••Managed commercial accounts with balances ranging from five thousand to
three million dollars.•••••Successfully collected disputed accounts ranging in size from five thousand to two million dollars. Directed all associated collection efforts including financial "work outs ", litigation and bankruptcy creditor committees.•••••Introduced a term reduction program accepted by twenty-five major accounts
reducing terms from sixty to thirty days.•••••Introduced an effective interest charge program for past due balances. This detailed program was effectively implemented resulting in additional income on past due accounts.

Negotiated all retail and warehouse distributor settlements.•••••Revised and streamlined all existing credit and billing department documents. The project included the revision of credit applications, sales contracts and security agreements.•••••Active representative to the Motor Equipment Manufacturers Associations
Aftermarket Credit Group (ACG). This industry discussion group was comprised of credit executives from approximately fifty of the nations largest automotive aftermarket manufacturers. ACG met monthly to discuss credit clearances of
retail accounts and warehouse distributors.•••••Operations Management/ Manufacturing•••••Managed credit, billing, mail, warranty and receiving departments; including
regional managers, department managers, department supervisors and hourly employees.•••••Project Manager responsible for restructuring of Perfection Hy-Tests receiving
Department, which handled over fifteen million in customer returns annually.

Streamlined procedures and paper flow. Eliminated third shift while increasing line efficiency by twenty-five percent.•••••Project Coordinator for bar code implementation. Headed up a multi-department program. Consulted with and coordinated the efforts of six department managers. Solved critical project problems including manager conflicts and redistribution of personnel.•••••Project Manager for warranty reclaim program. Designed and developed programs for handling non-legitimate warranty claims. Decreased warranty deductions by $••••• thousand first year.

Directed and controlled the inventories and billing procedures for seven outside, satellite warehouses.•••••Participated in weekly staff meetings and the general decision-making process for Perfection Hy-Tests western distribution center.•••••Credit & Operations Management / FCU•••••Managed risk based lending portfolio consisting of consumer loans and credit cards. Reviewed portfolio performance and reported on a monthly basis to the company President and Board of Directors.•••••Coordinated team of loan officers and collection officers in home office and two
branch offices. Headed monthly meetings of lending management and reviewed
performance of personnel.•••••Authored detailed collection policy adopted by executive management and approved by Board of Directors and federal examiners.•••••Introduced new reserve method based on a risk assessment of the entire loan portfolio. External auditors and federal examiners approved method, which is now used as a model for other financial institutions. •••••Negotiated workout and settlement agreements for consumer accounts ranging in size from two thousand to eighty thousand dollars.•••••Responsible for all communication with attorneys and collection agencies regarding litigation, settlement, skip tracing, repossession, foreclosure and bankruptcy. •••••Oversight of all collateral protection insurance programs and rates.