Abdul-Hakiym Akbar

• In this position my responsibilities will include but are not limited to the following: Implement and put in to practice my indebt knowledge regarding Syndicated Lending Operations including Credit Agreements, facilitate in onboarding, servicing, Fedwire payments, General Ledger reconciliation, trading via assignment’s, revolving credit facilities and term loan facilities, Rollovers, Creating facilities, Creating Loan etc.
• Putting into practice knowledge of the Syndicated Loan Market, especially as it relates to my role as an Administrative Agent, and understanding of market conventions for managing the product
• Managing all aspects of Agency servicing, including interaction with senior internal and external stakeholders, clients, investors/lenders, issuing banks, syndications, front and back office etc.
• Managing multiple priorities in a high-pressure environment and at a high level of independence
• Ensuring the work flows are implement in compliance with all bank policies and procedures, but contributing to the process change and redesign
• Daily Functions Include the Following:
• Review, verify, and seek authorization of daily loan transactions
• Perform analysis and reconciliation of fee and interest accruals/payments
• Prepare notices of activities, email all participants / for confirmation as required
• Preparation/review of loan forms related to booking of new borrowings, increases, rollovers, pay- downs, commitment reductions, etc., prior to obtaining loan approvals
• Responsible for the daily transfer of loan proceeds
• Prepare interest and fee billings on all direct/agent loans, billing the customers and send pro-rata shares to all participants
• Booking of risk participations sold
• Process interest, commitment fees and investigate discrepancies when necessary
• Preparation/posting of GL entries as required
• Review various system generated reports to ensure proper monitoring of the facilities
• KPI weekly review

In this position responsibilities included but not limited to the following: Servicing a nearly billion dollar portfolio. Routinely engaged in key decisions (with appropriate input) based on a solid understanding of SGEF’s business objectives
• Routinely handling reconciliation's for vendors like Volvo, SHI, Infor, Capgemini and Pacific Rim Capital, Inc. to name a few
• Ensuring consistency of approach across all portfolios assigned addressing billing and branded invoicing discrepancies while routinely managing conflicting priorities and tight deadlines through creative problem solving and operational dexterity
• Routinely monitoring the portfolios for performance, appropriateness, while performing periodic “ad hoc” reviews and reports
• Always coordinating and providing support and guidance to clients and relationship managers while meeting SGEF client needs managing the experience and expectations, routinely articulating a direct action with diplomacy to internal and external clients
• Routinely provide input and support in Identify and communicating issues or limitations related to product, platform, operations, and system billing issues including branded emails and other related forms of communication
• Ensure integrity of process and compliance, maintain SGEF internal control standards, including timely implementation of internal and external point’s interest
• Always pushing client-focused, routinely negotiating problems and resolution, (written and oral) with in-house teams and external legal teams relating to risk
• Representing my role with sound judgment, keen sense of urgency, and high level of professional and personal integrity
• Proactively identifying customers or counter-parties who become unable to meet financial commitments; doing what’s required to retain relationships yet at the same time making certain that signed commitments/remittances are received in line with agreed terms/this includes taxes, late fee charges and legal fees if necessary See less

In this position my responsibilities included but not limited to the following.
• Analysis of open accounts for reducing exposure
• Resolve ongoing customer billing discrepant
• Ongoing communication with strategic accounts while keeping and improving customer relations and customer retention
• Reduce exposure for assigned portfolio of accounts
• Identify issues with problematic accounts and discuss with management
• Ongoing reconciliation of customer statements/billing
• Application of funds received, in suspense and credits to invoices
• Forging ongoing relationship with sales and senior management when necessary

Reported in June 2016 - Abdul-Hakyim Akbar has gotten collections down to the lowest delinquency rates Patch has ever had. In short, we are maintaining our healthy cash position. We finished Q4 2016 EBITDA positive and beat Q1 2016 plan.

Charles Hale
Executive Chairman of the Board and Chief Executive Officer, Planck, LLC (http://patch.com/us/across-america/desk-chairman-0)

In this position my responsibilities included but not limited to the following: Manage collections. Assist sales, account managers and team leader members. Initiate and follow up on all 3rd party placed accounts and legal action.

Reconciliation between collections received and postings in Salesforce.com. Prepare, analyze and propose to the controller ways to streamline processes. Post cash receipts clearing invoices and credit notes with collections received. Monthly investigation of all collections not identified. Analyze old debt and propose write offs when no expectation of collecting exists. Daily processing of electronic payments.

Monthly analysis of aging debtors. Inform sales of new credit account limits or credit issues. Prepare credit control reports to advise of debtors. Keep Customer Care updated with reports and operations matters. Process Improvements. Review policies and procedures. Escalation of credit control issues to controller and sales managers as appropriate.

Core competencies

Credit analysis
Negotiations
Problem solving
Risk analysis
Sales
Legal issues
Accounts receivable
Finance
Bad debt forecasting
Financial statement review

Additional skills
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Proficient with Microsoft Office Suite Applications - Word, Excel, PowerPoint and Access;
Well experience with Oracle Financials

In this position my responsibilities included but not limited to the following: As a Senior Credit Collection Analyst I am required to routinely independently service and determine the fiscal status of 500 accounts. Decide if the current/future credit exposures are in line and in compliance with corporate risk tolerance and make recommendations regarding future extensions and or exposure. I manage and build sound relations with customers’-Senior Sales, internal and external executives resolving issues on many levels. I present credit recommendations to upper level when warranted. Restructure arrears on past due accounts in an attempt to cure past due balances and the chance to renew accounts and in some cases either maintain the account or place for further action – the goal is to always ensure timely payments on receivables and customer retention at the same time. Participate in local projects that enhance operational efficiencies within the Credit Collections Department. Participate in cross-functional teaming to improve customer payment cycle and to facilitate solutions for customer receivable issues and improve organizational processes. Produce routinely and as needed relevant activity and ad-hoc reports.

In this position, responsibilities included but were not limited to the following: Maintain within Oracle Advanced Collections/Oracle Financials our customer files, managing monthly multi million-dollar portfolio of major corporations such as General Motors- Raytheon, Sony, B of A, Kmart, Kellogg Company, Eli Lilly, Daimler Chrysler Lions Gate, MTV, Sony BMG, Universal and Northrop Grumman to name a few. Verifying the validity of account discrepancies investigating information from sales, trade promotions, customer service and barters related issues. Reviewing and resolving recurring problem accounts (i.e. processing credit memos, researching discrepancies and misapplication of funds, fraud etc) Provided problem recognition and risk management assistance, resolving past due issues Demonstrated continuous effort to improve operations and streamline work processes.

The now defunct leasing subsidiary of Citibank in Harrison NY - In this position, responsibilities included but were not limited to the following:

Implementing and participating in strategies to limit asset losses. Maximize recoveries on equipment loans and leases within a 15 billion dollar portfolio. Worked closely with outside law firms in matters of bankruptcy, litigation and restructure to minimize risk. Reviewing and resolving problem accounts (i.e. processing credit memos, researching discrepancies etc). Initiating calls on lease contracts that were 61 plus days delinquent, providing problem recognition and risk management assistance (i.e. modifications/workouts, voluntary and involuntary repossession etc). Tracking settlements, issue payoff demands and preparing asset valuation, assisted in credit analysis, financial analysis and collateral analysis.

In this position, responsibilities included but were not limited to the following: Monitoring the credit worthiness of my assigned account base. Analyzing financial statements, D&B reports, trade and bank references. Recommending credit lines within the guidelines to Sony Electronics Inc. customer base (businesses only). Maintaining a working relationship within a prescribed zone, dealing with sales and customer service groups. Periodic-onsite customer financial meetings, sales meetings and industry trade group participation. Analyzing (UCC) filings forms 1,2 and 3 insuring accuracy with-the UCCs in establishing priority among creditors in judicial proceedings and-minimizing conflict of creditors.

Mortgage Due Diligence Advisory & Asset Valuation (As a ASG consultant) In this position, responsibilities included but were not limited to the following: Performing due diligence and asset valuation on a 3 billion dollar mortgage portfolio. Reviewing loan origination and servicing files, Analyzing borrowers payment histories credit files. Reviewing title policies and updates to confirm lien status. Reviewing brokers price opinions (BPOs) and photos to assess value and condition of property. Preparing valuation using historical financial data, proprietary valuation models and current market indicators. Pooling files by product type for selling the assets. Analyzing credit quality, performance,interest rates, the economic activity to determine the best approach and degree of homogeneity.

Using LOAN IQ my functionality was centered on:

• Origination

• Syndication

• Agency Servicing

• Portfolio Management

• Documentation Tracking

In this position, responsibilities included but were not limited to the following:

Reviewing expense accruals report, analyzing issues researched from the general ledger transaction. Processing of daily proofs, trial balance, account analysis and bookkeeping. Responsible for settlement and funding issues including super sheets, balance proofs and money moves. DDA reconciliation and backlog item research. Interacting with operations and fund groups to resolve daily report issues. Assist in month and quarter end financial closings and Results/Forecast process. Liquidity Deposit, such as DDA and MMA.

• Fixed Term Deposit

• Pooling and CMS

• Identify, lead and drive analysis of outstanding issues

In this position, responsibilities included but were not limited to the following:

Preparing month end financial statement and expense variance analysis. Preparing monthly general ledger account reconciliation. Assisting in analyzing sub-contract quotes, maintaining invoicing responsibility, managing accounts receivable balances and collections. Maintain cost information for sub-contracted boards and ensure contract compliance with the sub-contractor for terms and conditions.

Served as a customer service liaison to the airport passengers and other guests in the terminal. Served as an airport liaison to all tenants and the general aviation community.Conducted analytical studies of administrative and operational issues pertaining to public, passenger, tenant, and general aviation customer relations; recommended options and solutions to Airport Management and coordinated implementation.Participated in the formulation of goals and objectives for the Airport Division.Assisted Airport Management in the development of the annual work plans as it pertains to tenants and customer service at the Airport. Assisted the Director of Communication and Development with internal and external public relations, media relations, and community partnerships.Reviewed and evaluated policies and procedures pertaining to customer service, airport tenants, and general aviation users. Recommended and participated in implementation of special events at the Airport.Actively supported and respected diversity in the workplace, following a model of trust, openness, fairness, and respect for all individuals in daily interactions. Performed other related duties as assigned Ad Hoc reports.

In this position, responsibilities included but were not limited to the following: Responsible for marketing Fleets real estate conventional and non-conventional loan products to the tri-state of are (i.e. NY-NJ and Conn.)Attracting prospective home buyers/home owners and the real estate professional community on an on going base.Evaluating the applicants 1003 application, appraising the security property and often assisted with preparing the loan documentation. Participated in HUD sponsored trade shows, first time home buying seminars and CRA related events. Average monthly funding production was $3.5 million dollars a month, of which 95% was non-government. And with a majority funding of refinances loans

In this position, responsibilities included but were not limited to the following: Responsibilities entailed collecting payments; ensuring that real estate taxes,insurance and other property-related items were paid, servicing over 50 million dollars in residential delinquent mortgage loans. Evaluating borrowers request for changing existing loan contract. Assisting with the sale and liquidation of Real Estate Owned or (REOs). Coordinate and facilitate loss mitigation in connection with foreclosure counsel, investors, Agencies, master servicing,default and real estate vendors and mortgage insurance companies. Ensured that requirements were met for deed-in-lieu and short pay transactions;including ordering/reviewing title, reviewing trusted sales guarantees and encumbrance of record reports or other available information

In this position, responsibilities included but were not limited to the following:Servicing of residential delinquent mortgage loans Collecting payments;assembling and forwarding documentation to legal or deed of trustee Ordering title; preparing formal declaration of acceleration; notifying borrower of foreclosure proceedings. Filing a notice of pendancy with the county clerk’s office; tracking dates of foreclosure sales; ensuring that the real estate taxes, insurance and other property-related items are paid. Evaluated borrower’s request for changing existing loan contract, short sales, deeds in lieu. Monitoring a portfolio of bankruptcy filings, tracking motions for relief,dismissals, discharges. Requested property inspections for earth quake victims and delinquent borrowers in general. Analysis, assisting with the sale and liquidation of Real Estate Owned (REO’s). Maintained current knowledge of consumer rights and the associated legislation as with The Truth-in-Lending Act, The Fair Credit Reporting Act and The Equal Credit Opportunity Act etc. From time to time conducting face-to-face meetings with customers in default or at high risk for delinquency to evaluate their financial ability, intent,willingness, reason/risk for default, and apply the appropriate retention or liquidation solutions.

n this position responsibilities include but are not limited to the following: Offering detailed, accurate
and dependable customer support to the SMFL sales / syndication team and providing services to our
disclosed and private label vendor relations and our internal portfolio support team
Responsible for participating in all aspects of receiving, evaluating and resolving customer issues in
a timely fashion. Focus on providing a first-class service that contributes to a measurable increase
in customer satisfaction and enhanced business value to market. Ensuring that all contact with our
customers leave them with a positive view. Resolution of customer support queries (email, phone).
Processing all customer and vendor inquiries and requests with respect to amortization schedules’,
principal balance inquiries, early payoff request, invoice billing, audit confirmation letters, requests for
contracts’, request for year-end statements and any other general customer-related documentation
(Title’s, UCC’s, Contract’s, Letter of Guarantee etc.)
Position also involve handling or directing issues to appropriate departments’ to handle, e.g.,
Accounting (Billing), Collections, Operations, Marketing/Sales and Credit departments. In addition
to that, the person works on customer on-boarding (KYC), registering quotes’ in lease system, and
supporting credit submissions for sales team

Accessing the SMFL AAF internal network (loan/lease accounting system) to retrieve customer contract
information and input select data, e.g., ACH information, facilitate in processing ACH payments
(recurring or one time)
Making contact with syndication clienteles that are delinquent, establishing the cause for delinquency
and pursuing remedies to cure, adhering to the terms of the syndicated signed agreement with client
retention as the focus