Mark Anstead
Shreveport,LA
Summary
Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability. Service oriented Manager with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
18
18
years of professional experience
Work History
Credit Manager
Rent A Center Warehouse & Retail Stores
12.2016 - Current
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Used Sims and High Touch to perform credit appraisals, document verification and loan approvals.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Monitored accounts for signs of fraud and non-payment issues.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Optimized credit approval and collection processes, improving operational efficiencies by over 92%%.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
Department Supervisor
Lowes Home Improvement Stores
09.2011 - 12.2016
- Trained team members in successful strategies to meet operational and sales targets.
- Created employee schedules to align coverage with forecasted demands.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Coached employees and trained on methods for handling various aspects of sales, complicated issues, and difficult customers.
- Promoted culture focused on encouraging staff to develop skills and abilities.
- Maintained stock of items, cleanliness, organization, and provided excellent customer service.
- Trained new employees on overall company and department-specific policies and procedures.
- Built relationships with current customers to maintain goodwill and gain additional business.
- Mentored team members to enhance professional development and accountability in workplace.
Team Member
Home Depot
04.2006 - 06.2011
- Kept work areas clean, organized, and safe to promote efficiency and team safety.
- Developed strong cooperative relationships with coworkers and managers.
- Worked scheduled shifts and remained available to work during coworker absences, holidays, and busy periods.
- Learned all required tasks quickly to maximize performance.
- Addressed and resolved customer complaints in polite and professional manner.
- Monitored and verified all merchandise was properly priced and labeled.
- Assisted customers in selecting merchandise best suited to needs.
- Helped meet changing demands by recommending improvements to business systems or procedures.
Education
Associate of Arts - Business Administration And Management
Bossier Parish Community College
Bossier City, LA12.2024
High School Diploma -
C.E. Byrd High School
Shreveport, LA05.2005
Skills
- Authorizations Understanding
- Fraud Understanding
- Fraud Knowledge
- Customer Engagement
- Performance Improvements
- Risk Analysis
- Risk Assessments
- Cash Flow Management
- Risk Mitigation
- Strategic Planning
- Workflow Coordination
- Mentoring and Training
Timeline
Credit Manager
Rent A Center Warehouse & Retail Stores
12.2016 - Current
Department Supervisor
Lowes Home Improvement Stores
09.2011 - 12.2016
Team Member
Home Depot
04.2006 - 06.2011
Associate of Arts - Business Administration And Management
Bossier Parish Community College
High School Diploma -
C.E. Byrd High School
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