Frederick Durham
Comp tia security plus
Dallas,TX
Summary
Seasoned Default Operation Manager with 19 years of experience in the finance industry. Proven track record in managing a budget portfolio over $100,000,000 and crafting solutions for customers with financial debt to prevent charge-offs. Expert in negotiating terms of agreement, payment plans, and settlements on loss recovery loans. Seeking to leverage skills and experience in a Default Operation Manager role.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Loss Mitigation Analyst
Santander Consumer USA
05.2005 - 08.2013
- Skillfully managed loss recovery operations, focusing on customer-centric solutions and minimizing company losses.
- This involved robust investigation and research techniques to locate and recall collateral, negotiate repayment terms, and reinstate customers with their collateral.
- Leveraged analytical skills to evaluate statistical reports, identifying opportunities to enhance debt collection effectiveness.
- Successfully handled escalated calls, demonstrating comprehensive knowledge of trade, policies, and processes across departments, while providing accurate resolution and crafting financial solutions to prevent customer charge-offs.
Default Operation Manager
Flagship Credit
01.2013 - Current
- Manages a substantial budget portfolio exceeding $100,000,000, emphasizing fiscal responsibility and strategic resource allocation.
- Implements loss recovery strategies with a customer-centric approach, minimizing financial impact and ensuring customer satisfaction.
- Conducts comprehensive skip trace operations to locate collateral, applying meticulous research and investigative skills.
- Reviews and interprets statistical reports to identify opportunities for enhancing collector efficiency and overall operational improvement.
- Handles escalated customer interactions with finesse, providing accurate resolutions and maintaining compliance with state and federal laws, including the Fair Debt Collection Practices Act (FDCPA).
Office of President Specialist
Santander Consumer USA
01.2005 - 01.2013
- Demonstrated adaptability and proficient problem-solving by swiftly adjusting to unexpected changes.
- Enhanced team performance by providing peer mentorship, encouraging a disciplined work ethic, and fostering industry expertise.
- Managed multiple systems concurrently, maintaining high-quality customer interaction.
- Addressed all high-priority inquiries, resolving concerns through excellent communication and negotiation techniques.
Education
Associate of Science - Business Management
University of Cameron
Lawton, OKAssociates of Arts Degree - undefined
Cowley County Community College
Skills
Time Management
Certification
PMP certification | 2023
CompTIA Security +|2025
Timeline
Default Operation Manager
Flagship Credit
01.2013 - Current
Loss Mitigation Analyst
Santander Consumer USA
05.2005 - 08.2013
Office of President Specialist
Santander Consumer USA
01.2005 - 01.2013
Associates of Arts Degree - undefined
Cowley County Community College
Associate of Science - Business Management
University of Cameron