Armando Calvillo
St. Petersburg,FL
Summary
A Collection professional with over 25 years of experience with retail, medical, credit card, B2B, merchant cash advance, payday, student loans. With the experience at every level of management. A strong work ethic and a dependable. If you are looking for someone with hands on experience, look no further.
Overview
28
28
years of professional experience
Work History
Manager of Loss Prevention
Lendr.Online
01.2020 - 04.2024
- Increased recovery rate by consistently meeting and exceeding targets set by management.
- Reduced delinquency rates through vigilant monitoring and proactive communication with clients.
- Implemented process improvements that increased team morale while maintaining a high level of professionalism within the department.
- Maintained accurate records of all collection activities, providing transparency to stakeholders and senior management.
- Conducted regular account reviews to identify high-risk clients and adjust collection strategies accordingly.
- Served as a trusted advisor to executive leadership on matters related to collections and account management, providing valuable insights and guidance.
- Developed customized payment plans for customers struggling with outstanding debts, promoting long-term financial stability while recovering funds owed.
- Worked closely with legal counsel to pursue necessary actions against non-compliant debtors, ensuring company interests were protected at all times.
- Negotiated settlements with customers experiencing financial difficulty, preventing potential litigation costs and preserving client relationships.
- Assisted in the development of training materials for newly hired collections representatives, improving departmental performance metrics.
- Streamlined the collections process, reducing time spent on manual tasks and increasing overall productivity.
- Contacted clients with past-due payments and actively monitored payments due from clients.
Region Manager
American Financial Choice
07.2018 - 03.2019
- Set ambitious yet attainable sales targets for the region, motivating team members to strive for excellence while maintaining accountability for results achieved.
- Fostered a collaborative working environment to encourage knowledge sharing, skill development, and continuous improvement across teams.
- Negotiated favorable contracts with suppliers to secure cost savings without compromising quality or delivery timelines.
- Enhanced customer satisfaction rates by addressing issues promptly and implementing service improvements based on feedback.
- Streamlined internal processes for increased efficiency, resulting in reduced overhead costs and improved profit margins.
- Leveraged expertise in market segmentation to effectively target different consumer groups within the region, maximizing sales potential across diverse demographics.
- Improved regional sales performance by implementing targeted marketing strategies and strengthening relationships with key clients.
- Delivered comprehensive reports on regional performance metrics, enabling senior management to make informed decisions regarding resource allocation and business strategy adjustments.
- Boosted team productivity through the development of efficient scheduling systems and regular progress tracking.
- Monitored performance indicators closely both quantitatively and qualitatively to identify areas for improvement and provide actionable insights.
- Supported site management to empower front-line associates with skills and knowledge to carry out day-to-day assignments.
Office Manager
Genesis Financial And Payment Systems
03.2016 - 11.2017
- Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
- Provided exceptional customer service when addressing client inquiries or concerns via phone calls or email correspondence.
- Maintained computer and physical filing systems.
- Updated reports, managed accounts, and generated reports for company database.
- Created, maintained and updated filing systems for paper and electronic documents.
- Managed office operations while scheduling appointments for department managers.
- Assisted in the recruitment process, conducting interviews and onboarding new employees to promote a seamless integration into the team dynamic.
- Served as a liaison between upper management and staff members, facilitating open channels of communication to address concerns or issues promptly.
- Established workflow processes, monitored daily productivity, and implemented modifications to improve overall performance of personnel.
- Coached new hires on company processes while managing employees to achieve maximum production.
- Facilitated smooth communication between departments, addressing concerns promptly to maintain harmonious work relationships.
Operations Manager
Alliance Asset Management, INC
01.2000 - 12.2014
- Supervised operations staff and kept employees compliant with company policies and procedures.
- Empowered employees to take ownership of their responsibilities, leading to increased accountability and improved performance outcomes.
- Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
- Managed inventory and supply chain operations to achieve timely and accurate delivery of goods and services.
- Led hiring, onboarding and training of new hires to fulfill business requirements.
- Developed and maintained relationships with external vendors and suppliers.
- Developed systems and procedures to improve operational quality and team efficiency.
- Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.
- Analyzed and reported on key performance metrics to senior management.
- Oversaw facility maintenance, ensuring optimal functionality of equipment and infrastructure at all times.
- Introduced new methods, practices, and systems to reduce turnaround time.
- Achieved higher employee retention rates by fostering a positive work environment and providing opportunities for professional growth.
- Identified and resolved unauthorized, unsafe, or ineffective practices.
Division Manager
American Recovery Systems
09.1997 - 12.1999
- Identified areas of improvement in operational workflows to better align resources with organizational goals.
- Developed strong team dynamics through regular communication, collaboration, and goal-setting initiatives.
- Reduced costs by identifying inefficiencies and implementing cost-saving measures across the division.
- Controlled costs by streamlining operations and reducing waste.
Collector
GC Services
08.1996 - 08.1997
- Collaborated with team members to achieve monthly targets, promoting a positive work environment and boosting overall productivity.
- Contacted customers to discuss payment schedules and set up or immediately process payments.
- Reduced outstanding debts by implementing strategic collections tactics and maintaining open lines of communication with customers.
- Streamlined debt collection processes for increased efficiency in the workplace.
- Maintained high volume of calls and met demands of busy and productive group.
- Improved customer satisfaction by effectively resolving delinquent accounts through negotiation and payment plans.
Education
High School Diploma -
Von Steuben M.S.C
Chicago, IL Skills
- Risk Assessment Capabilities
- Professionalism and Integrity
- Credit Analysis Proficiency
- Debt recovery expertise
- Conflict resolution techniques
- Goal Oriented Approach
- Legal Compliance Awareness
- Data Analysis Competence
- Portfolio Monitoring Abilities
- Past due balance management
- Customer Service Management
- Advanced computer skills
- Attention to Detail
- Critical Thinking
- Decision-Making
- Risk Assessment
- Business Relationship Management
- Loan Processing
Accomplishments
My greatest accomplishment was not in the collection field but in helping develop a softball program on the NW side of Chicago. I worked closely with Cubs RBI, and Westinghouse College Prep and CPS to develop a safe, positive environment where the girls were able to work on their softball skills while learning sportsmanship and how to play as a team.
Languages
Spanish
Native or Bilingual
Timeline
Manager of Loss Prevention
Lendr.Online
01.2020 - 04.2024
Region Manager
American Financial Choice
07.2018 - 03.2019
Office Manager
Genesis Financial And Payment Systems
03.2016 - 11.2017
Operations Manager
Alliance Asset Management, INC
01.2000 - 12.2014
Division Manager
American Recovery Systems
09.1997 - 12.1999
Collector
GC Services
08.1996 - 08.1997
High School Diploma -
Von Steuben M.S.C