Eric Ratcliff

Handle collections for the bank’s manufactured home portfolio. Reduced delinquencies 30% this year by streamlining procedures & adding efficiencies in the collections process

Work with clients from beginning to end with real estate transactions. One of the top monthly sales agents numerous times during my career with Bender Realty

Top collector my first year & promoted to Assistant Mgr in 1999. Promoted to Department Mgr in 2002. Managed the call center for 16 years (promoted to Director in 2011) & the department grew from 15 employees to 45 employees and saw increased revenue from $1 million per year to $12 million per year, from 2002-2018.

We collected over $50 million from 2014-2018. Increased revenue & % collected every year from 2002-2018.

Responsibilities included:

Interviewed and made hiring decision for new employees

Evaluated collectors job performance and motivated staff with daily, weekly and monthly incentives (in addition to monthly bonus) to improve productivity

Developed a risk score (along with our Risk Management group) for customers to determine collectibility

Monitored and tracked agent call stats to motivate, incentivize, mentor