Edwin Fultz
Irving,TX
Summary
Diligent Collector with strong background in managing collections and resolving outstanding accounts. Successfully negotiated payment plans and reduced delinquencies, demonstrating ability to handle complex customer interactions. Proven track record in utilizing problem-solving and communication skills to achieve positive outcomes.
Overview
25
25
years of professional experience
Work History
Sr Hire Risk Collector
Mercedes-Benz Financial Services
10.2024 - Current
- Contacted customers to discuss payment schedules and set up or immediately process payments
- Documented collected items for accurate record-keeping.
- Verified quality of collected items to ensure compliance with standards.
- Scheduled and prioritized collection tasks to meet deadlines.
- Resolved collection issues by identifying and addressing root causes.
Advocacy Specialist
Selene Finance
07.2022 - Current
- Provided technical support for customers in resolving complex issues.
- Managed and resolved incidents according to service agreements.
- Leveraged specialized knowledge to act as subject matter expert within organization.
- Displayed strong telephone etiquette, effectively handling difficult calls.
- Identified needs of customers promptly and efficiently.
- Coordinated with other departments to ensure efficient workflow processes.
Collections Supervisor
Nissan North America, Inc.
11.2014 - 03.2020
- Implemented systems and procedures designed to improve overall efficiency within the department.
- Assisted in developing training materials for new hires in the Collections Department.
- Produced monthly reports detailing progress against established goals for collections activity.
- Directed collection staff to ensure timely and efficient contact with customers regarding past due accounts.
- Monitored daily work flow of the collection staff, providing feedback and coaching as needed.
- Conducted regular meetings with the collection team to discuss goals, objectives, and performance metrics.
- Provided guidance and direction to employees on proper collection techniques that adhered to company policy.
- Reviewed customer payment arrangements for appropriateness based on account history.
- Liaised with management to identify issues attributing to account delinquency and discuss solutions to bring in revenue.
- Delegated work to staff, setting priorities and goals.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
- Coordinated with other supervisors, combining group efforts to achieve goals.
Credit Analyst
Nissan North America, Inc.
11.2014 - 03.2020
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Analyzed customer payment histories to assess credit risk profiles.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Maintained accurate records of all transactions related to credit activities.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Identified areas where additional information was needed to complete a thorough analysis.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
Loss Mitigation Specialist
Exeter Finance
02.2012 - 01.2014
- Researched and analyzed borrowers' financial information to determine eligibility for loan modification programs.
- Developed and implemented strategies to maximize loss mitigation opportunities with delinquent borrowers.
- Negotiated repayment plans with delinquent borrowers in accordance with company policies and procedures.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Prepared reports for customers with delinquent and irreconcilable accounts.
Manager, Projects
The Windsor Group
06.2011 - 09.2013
- Conducted skip tracing investigations to locate debtors or individuals with outstanding legal obligations.
- Performed detailed analysis of financial records and other documents related to a case.
- Utilized public databases and proprietary software systems to search for individuals who have skipped out on their responsibilities.
- Researched court documents, land records, credit reports, DMV records and other sources to find the whereabouts of an individual.
- Interviewed family members, neighbors and acquaintances of the subject in order to uncover potential leads regarding their whereabouts.
- Analyzed social media accounts for clues about an individual's current location.
Supervisor
Bank of America
04.2009 - 06.2011
- Reviewed loan applications and verified accuracy of borrower information.
- Assessed credit reports to determine eligibility for mortgage loans.
- Compiled documentation required for submission to government agencies for processing.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Coordinated activities between lenders, attorneys, realtors, insurance companies.
- Reviewed HUD-1 settlement statements prior to closings.
- Updated clients about changes in state and federal laws governing mortgage lending practices.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
Education
High School Diploma -
Washington High School
06-1983
Skills
- Quality Assurance
- Customer Relations
- Root Cause Analysis
- Resource Allocation
- Quality Assessment
- Effective Communication
- Reliability
- Written Communication
- Improvement plan knowledge
- Adaptability and Flexibility
- Analytical Skills
- Time Management
- Teamwork and Collaboration
- Problem-solving abilities
- Active Listening
- Team building
- Issue Research
- Process Analysis
- Self Motivation
- Excellent Communication
- Multitasking
Education and Training
other
US ARMY
I served in the US Army from 1979 until 1988.
I attended The Art Institute of Dallas.
I attended The University of Indiana for two years.
Timeline
Sr Hire Risk Collector
Mercedes-Benz Financial Services
10.2024 - Current
Advocacy Specialist
Selene Finance
07.2022 - Current
Collections Supervisor
Nissan North America, Inc.
11.2014 - 03.2020
Credit Analyst
Nissan North America, Inc.
11.2014 - 03.2020
Loss Mitigation Specialist
Exeter Finance
02.2012 - 01.2014
Manager, Projects
The Windsor Group
06.2011 - 09.2013
Supervisor
Bank of America
04.2009 - 06.2011
High School Diploma -
Washington High School
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