Fred Wilcots
Mesa,AZ
Summary
Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
10
10
years of professional experience
Work History
Credit Buyer & Underwriter
Crescent Bank
Phoenix, AZ
02.2023 - 10.2023
- Liaised with accounting and vendors to minimize and clear up invoice discrepancies.
- Researched sources of supply and services to maintain flexibility, high quality and competitive pricing.
- Collaborated with cross-functional teams to meet customer requirements and market demands.
- Stayed abreast of market trends and anticipated consumer needs and purchasing habits.
- Collaborated with company managers regarding product pricing, promotions and markdowns.
- Develop and maintain positive business relationships with dealers through daily conversations in solicitations providing exceptional customer service effective in timely communication and responsiveness to all credit processing questions and inquiries with maintaining a higher level of integrity
- Work with dealer representative to provide a deal structure that is acceptable to all parties to the deal and to establish and track monthly purchase objectives for assign deal
Senior Supervisor
Conduent
Tempe, AZ
02.2022 - 12.2022
- Established work schedules, assigned tasks, and monitored staff productivity.
- Conducted regular departmental meetings with staff to ensure effective communication and collaboration.
- Ensured compliance with company policies and procedures.
- Trained new personnel on proper job functions and safety protocols.
- Maintained accurate records of employee attendance, absences, overtime.
- Identified areas for process improvement within the department.
- Created an environment that fosters professional growth among employees.
- Managed disciplinary actions when necessary while maintaining fairness.
- Participated in strategic planning initiatives to improve operations.
- Led new hires through company onboarding procedures, training and instructing on demands of various positions and instilling company values.
- Interacted directly with high-profile clients or customers requesting assistance to resolve conflicts, build trust and win loyalty to promote repeat business. Toyota and Lexus Financial.
Credit Risk Analyst
Global Lending Services LLC
Chandler, AZ
03.2021 - 03.2022
- Established relationships with dealers across multiple regions.
- Negotiated contracts with dealers regarding pricing, terms of sale, delivery schedules.
- Resolved conflicts between dealers and other stakeholders in a timely manner.
- Assisted in training new staff members on how to effectively manage dealer relationships.
- Managed communications between various departments within the organization regarding dealer inquiries or concerns.
- Built and rebuilt partnerships with independent automobile dealerships by delivering above-average customer service.
- Spoke with as many as 20 dealers per day to successfully increase loan applications, funding and funded deals.
- Followed up on loan applications through funding and compliance issues to achieve timely resolutions.
Senior Loan Servicing Specialist
Cascade Financial Services
Gilbert, AZ
04.2019 - 03.2021
- Reviewed and evaluated loan files for accuracy and completeness.
- Processed loan payments and maintained accurate records of transactions.
- Managed a portfolio of loans, ensuring timely collection of payments.
- Negotiated payment plans with delinquent borrowers to bring accounts current.
- Assisted customers in completing loan applications, verifying documents, and collecting fees as required by law.
- Maintained communication with borrowers regarding their loans throughout the life cycle of the loan process.
- Responded promptly to customer inquiries via phone or email.
Business Operations Manager
Santander Consumer USA
Mesa, AZ
02.2014 - 04.2019
- Managed the daily operations of the business, including staff scheduling and resource allocation.
- Ensured compliance with all relevant policies, regulations, and procedures.
- Worked closely with other departments to ensure smooth operations across the organization.
- Monitored customer feedback and took corrective action as necessary.
- Managed team of 16 collection representatives
- Resolved escalated disputes between customers and the company concerning collections matters.
- Identified potential areas of improvement in collections process and implemented changes accordingly.
- Trained new staff members on proper collection techniques, policies, and procedures.
- Monitored team performance metrics such as conversion rate, average time to collect payment.
Education
High School Diploma -
DeAnza High School
Richmond, CASkills
- Customer Service
- Relationship Building
- Quality Assurance
- Negotiation
References
References available upon request.
Timeline
Credit Buyer & Underwriter
Crescent Bank
02.2023 - 10.2023
Senior Supervisor
Conduent
02.2022 - 12.2022
Credit Risk Analyst
Global Lending Services LLC
03.2021 - 03.2022
Senior Loan Servicing Specialist
Cascade Financial Services
04.2019 - 03.2021
Business Operations Manager
Santander Consumer USA
02.2014 - 04.2019
High School Diploma -
DeAnza High School
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