Daniel Lockman
Lincolnton,NC
Summary
Dynamic Collections Representative specializing in collections, with extensive experience in consumer lending, credit evaluation, and delinquent account recovery. Recognized for a balanced approach to customer communication that combines empathy with assertiveness, ensuring accurate documentation and consistent achievement of collection and revenue targets. Strong background in financial analysis, budget management, and strategic planning, leveraging financial data to inform business decisions and enhance operational efficiency while ensuring compliance with regulatory standards and maintaining financial integrity.
Overview
24
24
years of professional experience
Work History
Finance Manager
WILCO Finance
10.2024 - Current
- Mentored finance team members, fostering professional growth and collaboration.
- Streamlined accounting procedures, improving transaction processing efficiency and accuracy.
- Managed collections process to reduce delinquency rates and improve cash flow.
- Developed and implemented strategies for effective account recovery and client communication.
Branch Manager
Southern Loans, Inc.
01.2021 - Current
- Lead and coach a three-person team; set targets and monitor performance.
- Consistently achieved branch financial goals through disciplined collections and cost control.
- Collected overdue payments on delinquent accounts, reducing past-due balances and improving branch performance.
- Implemented customer-first communication strategies that improved satisfaction and kept repayment plans on track.
- Managed competing priorities with accurate, timely execution of all responsibilities.
Senior Relationship Banker
Branch Banking & Trust (BB&T)
01.2017 - 01.2021
- Built new customer relationships and deepened loyalty by listening to needs and proposing solutions.
- Reviewed and edited loan agreements to support accurate, efficient processing; recommended approvals/denials based on risk.
- Maintained strict confidentiality of client records and supported sales, product, and operational initiatives.
Bank Teller
Carter Bank & Trust
01.2016 - 01.2017
- Reduced fraud risk by verifying endorsements/ID and processing deposits and coin orders accurately.
- Opened/closed accounts, ensured regulatory compliance, and delivered professional, personable service.
Assistant Branch Manager
First Federal Savings Bank
01.2002 - 01.2012
- Managed daily branch operations, schedules, and payroll; interviewed and trained staff.
- Managed delinquent accounts, documented customer communications, and met monthly collection goals.
- Evaluated credit applications and resolved issues across savings, checking, and credit lines; supervised and developed a team of six.
Education
Bachelor of Science -
North Carolina School of Banking
01.2009
Bachelor's Degree - Business Administration
Appalachian University
01.2002
Skills
- Collections management
- Fraud analysis
- Payment processing arrangements
- Privacy management
- Expertise in resolving conflicts
- Collaborative team management
- Financial reconciliation
- Skilled in data management and document creation using Microsoft Office
- Credit risk assessment
Additional Qualifications
- Strong written and oral communication; proven negotiation and decision-making under time constraints.
- Quick to learn new billing/collections platforms and follow standardized work; proficient in Microsoft Office.
- Comfortable collaborating with patients/customers, internal teams, vendors, and third-party agencies.
Timeline
Finance Manager
WILCO Finance
10.2024 - Current
Branch Manager
Southern Loans, Inc.
01.2021 - Current
Senior Relationship Banker
Branch Banking & Trust (BB&T)
01.2017 - 01.2021
Bank Teller
Carter Bank & Trust
01.2016 - 01.2017
Assistant Branch Manager
First Federal Savings Bank
01.2002 - 01.2012
Bachelor's Degree - Business Administration
Appalachian University
Bachelor of Science -
North Carolina School of Banking