Fred Plascencia Jr
Porterville,CA
Summary
Dynamic Credit, Collection, and Banking leader with over 20 years of experience. With 18 years in the Sub-Prime Auto Industry, specializing in both indirect and direct dealer loans. Proven track record of managing rapid change and achieving exceptional delinquency and loss results. High-energy team leader with a strong ability to motivate and retain top performers, seeking opportunities in the Financial or Housing industry with a focus on face-to-face interaction.
Overview
25
25
years of professional experience
Work History
Collections Servicing Manager
Zinc Auto Finance
12.2021 - 09.2024
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maintained professional, organized, and safe environment for employees and patrons.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Collections Advisor Credit Approval
Don Roberto Jewelers
08.1999 - 11.2022
- Managed a diverse portfolio of accounts, applying tailored strategies for successful resolution of each case.
- Negotiated payment plans with customers to prevent accounts from entering collections.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Monitored account histories to identify trends, enabling proactive actions in addressing potential delinquencies.
Consumer Loan Servicing Manage
Beneficial State Bank
08.2017 - 09.2021
- Improved loan servicing efficiency by implementing streamlined processes and workflow improvements.
- Enhanced customer satisfaction by providing timely and accurate loan information to borrowers.
- Reduced delinquency rates through proactive borrower outreach and communication strategies.
- Maintained up-to-date knowledge of industry regulations, ensuring full compliance within the team''s work processes and procedures.
Collections Consultant Collector Supervisor
Challenge Financial
08.2014 - 08.2017
- Evaluated client needs and expectations, establishing clear goals for each consulting engagement.
- Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients.
- Managed client relationships through regular check-ins and updates on project progress.
- Enhanced communication among team members to foster collaborative and supportive work environment.
Field Agent
NCCI/IFMI
05.2013 - 08.2017
- In person-outreach engage customers and provide actionable intelligence. NCCI drives engagement and delivers results.
- Occupancy Certifications validate occupancy at property to comply with various servicing guidelines.
- Collateral inspections take pictures of collateral and provide them to client.
Accounts Payable Property Manager
Rs Property Management
06.2009 - 07.2014
- Handled tenant complaints promptly and appropriately, calling in repairmen, and other support services.
- Maintained positive landlord-tenant relationships, ensuring clear communication and prompt resolution of any disputes.
- Conducted regular property inspections, identifying areas for improvement and proactively addressing potential safety hazards.
- Completed final move-out walk-throughs with tenants to identify required repairs.
Field Chase Collector
Daniel's Home Center
12.2012 - 07.2013
- 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.
- Field visit past due customers and encourage them to continue to pay.
Accounts Payable and Receivable Clerk
Yosemite Waters
09.2008 - 02.2010
- Managed electronic payment systems to streamline payment processes and reduce errors.
- Provided exceptional customer service when addressing client inquiries regarding billing or payment matters, resulting in improved client satisfaction levels.
- Managed collections and follow-up on past-due accounts to speed up payments and minimize risk.
- Maintained detailed aging reports on outstanding balances owed, enabling accurate assessment of company''s cash position at any given time.
Collections Consultant Supervisor
Daniel's Home Center
01.2008 - 05.2008
- Call customer 1-120 days past due to encourage them to pay.
- Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients.
- Enhanced communication among team members to foster collaborative and supportive work environment.
- Evaluated customer needs and feedback to drive product and service improvements.
Auto Collections Consutent
Credit One Financial
05.2007 - 01.2008
- Call and collect on past due auto loans.
- Call and educate the customers the importance on making payment on time.
- Skip trace to locate our customer or the collateral.
Customer Service Collections Manager
La Canasta Furnishings
11.2002 - 05.2007
- Developed and implemented comprehensive training programs for new hires, elevating team performance.
- Collaborated with cross-functional teams to improve overall company revenue and customer retention.
- Leveraged industry best practices in managing daily operations of the collections department effectively.
- Managed ongoing relationships with external third-party collection agencies to ensure optimal outcomes were achieved on all assigned accounts.
Education
Medical Billing/Claims Examiner - Medical
American Career College
CA10-2009
High School Diploma -
Sunny Hills High School
Fullerton, CA06-1999
Skills
- Customer service
- Team leadership
- Time management
- Sub-Prime Auto Loan Servicing
- Collection Strategy & Risk Management
- Recruiting & Staffing
- Recruiting & Staffing
- Remarketing Collateral
- Employee Training & Development
- Auction Flooring
Accomplishments
- Managed all aspects of ZINC Auto Finance, achieving an average delinquency rate under 4% and net annualized losses under 6%.
- Promoted and mentored 10+ supervisors over 15 years, fostering leadership development.
- 18+ years in Sub-Prime Auto, including 3+ years in remarketing.
- 15+ years of management experience; 5+ years in property management; 5+ years in accounts receivable/accounts payable.
Languages
English
Full Professional
Spanish
Full Professional
Timeline
Collections Servicing Manager
Zinc Auto Finance
12.2021 - 09.2024
Consumer Loan Servicing Manage
Beneficial State Bank
08.2017 - 09.2021
Collections Consultant Collector Supervisor
Challenge Financial
08.2014 - 08.2017
Field Agent
NCCI/IFMI
05.2013 - 08.2017
Field Chase Collector
Daniel's Home Center
12.2012 - 07.2013
Accounts Payable Property Manager
Rs Property Management
06.2009 - 07.2014
Accounts Payable and Receivable Clerk
Yosemite Waters
09.2008 - 02.2010
Collections Consultant Supervisor
Daniel's Home Center
01.2008 - 05.2008
Auto Collections Consutent
Credit One Financial
05.2007 - 01.2008
Customer Service Collections Manager
La Canasta Furnishings
11.2002 - 05.2007
Collections Advisor Credit Approval
Don Roberto Jewelers
08.1999 - 11.2022
Medical Billing/Claims Examiner - Medical
American Career College
High School Diploma -
Sunny Hills High School
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