ROBERT C. MALLARD
Jupiter
Summary
Results-oriented Business Manager with deep expertise in credit risk assessment and operational management. Skilled in financial analysis, process optimization, and effective contract negotiations. Committed to improving cash flow and operational efficiency while ensuring compliance and client satisfaction.
Overview
28
28
years of professional experience
Work History
Credit Manager
Target Lien Search
West Palm Beach
01.2015 - Current
- Managed credit risk assessments for diverse client portfolios.
- Developed and implemented credit policies and procedures for compliance.
- Analyzed financial statements to evaluate creditworthiness of applicants.
- Monitored aging reports with accounting team and managers to identify collection priorities.
- Supervised collections for client accounts, ensuring timely cash flow.
Business Manager
JMT MANAGEMENT CORP.
West Palm Beach
02.2009 - Current
- Oversees all daily operations for all company business, departments and services with focus on the company's strategic goals.
- Managed all company operations for legal support services, bank foreclosure sales, property preservation, REO asset management, marketing, and client negotiations.
- Managed budget forecasting, goal setting and performance reporting for all accounts.
- Prepared business plans, budgets and quarterly and semi-annual business reviews.
- Negotiated all contracts, agreements with clients, providers, servicers and vendors to maximize bottom line profit to the company.
- Developed nationwide client base and vendor network to support business expansion.
- Developed new business relationships through focused networking and effective marketing techniques.
- Built and maintained effective accounts receivable and cash flow monitoring systems, oversee all accounts Receivable/Payables/ Collections.
- Enhanced customer interaction processes to improve satisfaction.
- Instrumental in the Developmental phase and organizational structure of this business.
Mortgage Broker/VP
MALLARD & ASSOCIATES, INC
Plantation
02.2003 - 02.2009
- Managed marketing and origination of residential and commercial loans, driving growth for mortgage broker business.
- Processed sales, pricing, underwriting, and closing of residential mortgages, commercial and investment loans, lot loans, home equity loans, and lines of credit to streamline loan delivery.
- Facilitated negotiations between buyers and sellers on property prices and settlement details, ensuring successful closing of sales.
- Key Accomplishment: Mallard and Associates was recognized in 2006 by Bank of America as a priority broker business and awarded at Fannie Mae Seminar.
General Manager
PALM COAST PEST CONTROL INC
Jupiter
01.2002 - 01.2003
- Oversaw overall operation of pest control business, ensuring service quality and customer satisfaction.
- Developed and implemented management reports to track key business metrics for informed decision-making.
- Restructured company operations, enhancing workflow and resource allocation.
Fuel Operations Manager
UNITED PETROLEUM GROUP, INC
Miami
02.1998 - 02.2002
- Managed purchasing and pricing strategies for fuel carriers, ensuring compliance with state motor fuel taxes and environmental regulations.
- Managed gasoline supply, transportation, and storage contracts, ensuring seamless operations across all locations.
- Identified inefficiencies and recommended process improvements across petroleum operations, enhancing overall performance.
- Established automated fuel management program, improving inventory management and maintaining environmental compliance.
- Implemented risk management and hedging strategies.
- Obtained ExxonMobil Distributorship for company.
- Oversaw daily operations and sales for multi-million dollar retail locations.
- Key Accomplishment:- Job objective was to restructure, re-image 74 gas retail locations Florida and Tennessee which gained increased sales from 40 million gallons to 160 million gallons and a more responsive and appealing retail gas locations to customers.
Education
Associate of Arts -
Broward Community College
Davie, FLGeorgia College
Milledgeville, GASkills
- Credit risk assessment
- Financial analysis
- Regulatory compliance
- Fraud detection
- Operations management
- Process improvement
- Strategic planning
- Negotiation expertise
- Data management
- Microsoft Office Suite
- QuickBooks proficiency
- Problem solving and troubleshooting
- Time management skills
- Communication skills
Community
- Suncoast Basset Rescue, President (voluntary Position), 02/2004, 02/2008, Supervised all aspects of the 501 c3 Not for Profit Basset Hound Rescue organization in Florida., Implemented Board of Directors and developed organization by-laws.
- First United Methodist Church, Leadership Committee (Member / Voluntary Position), 02/2008, 01/2010, Responsible for church personnel background checks, social media, promotions.
- BPOE- Benevolent Protective Order of Elks, 1994, Current, A generous charitable foundation that each year gives millions in scholarships, an inspiration to youth, a friend to veterans and more. A fraternal order with nearly a million members and a 141-year history with a network of nearly 2000 lodges in communities all over the country.
Timeline
Credit Manager
Target Lien Search
01.2015 - Current
Business Manager
JMT MANAGEMENT CORP.
02.2009 - Current
Mortgage Broker/VP
MALLARD & ASSOCIATES, INC
02.2003 - 02.2009
General Manager
PALM COAST PEST CONTROL INC
01.2002 - 01.2003
Fuel Operations Manager
UNITED PETROLEUM GROUP, INC
02.1998 - 02.2002
Associate of Arts -
Broward Community College
Georgia College