WALTER EVANS, JR.
Summary
Results-driven Collections Manager with over 20 years of progressive experience in collections management, financial analysis, loss mitigation, and team leadership across consumer finance, subprime lending, and SBA portfolios. Expertise in regulatory compliance, process optimization, performance coaching, and collections strategy development. Adept at enhancing operational efficiency, improving recovery rates, and maintaining adherence to industry regulations while fostering high-performing, motivated teams. Experienced with organizational assessments and strategic planning to enhance business performance. Utilizes change management techniques to drive successful transformations. Knowledge of leadership development and employee engagement strategies to foster productive work environment.
Overview
28
28
years of professional experience
Work History
Operations & Organizational Development Consultant
MiniStudio.AI
01.2022 - Current
- Developed comprehensive training programs focused on improving call quality, negotiation tactics, and compliance
- Created performance dashboards to track key metrics, allowing for proactive issue resolution and process improvement
- Collaborated with leadership to refine organizational processes for increased efficiency and employee engagement
- Conducted comprehensive assessments to identify areas for organizational growth and development.
SBA Loan Specialist
Highlight Technologies LLC
01.2020 - 01.2021
- Managed highly complex SBA loans, ensuring full compliance with evolving federal regulations
- Conducted in-depth financial analysis to assess loan performance and recommend corrective action for at-risk loans
- Facilitated loan servicing, purchasing, and liquidation processes, ensuring seamless communication between SBA and lenders
- Evaluated financial documents to assess risk and approve loan applications.
- Analyzed credit reports for determining loan eligibility and reducing default risks.
Assistant Finance Manager
Bloom Investment LLC
01.2012 - 01.2016
- Provided financial reporting and analysis to guide executive decision-making
- Developed cost-reduction strategies and performed trend analysis to improve profitability
- Managed finance department operations, overseeing budgeting, forecasting, and financial planning
Recovery Collections Supervisor (Subprime)
Fireside Auto Finance
01.2008 - 01.2010
- Led a team of 14 collectors managing subprime auto loan portfolios
- Implemented advanced skip tracing methods and optimized collections workflows to reduce delinquency
- Consistently achieved and exceeded monthly recovery targets while maintaining compliance
- Improved collections efficiency by overseeing daily operations and ensuring timely processing of accounts.
Collections Manager
Commission Loan / RCA
01.2006 - 01.2008
- Recovered over $650,000 from a $1.5 million real estate commission loan portfolio
- Established new policies and procedures to improve recovery timelines and compliance adherence
- Monitored collections performance and adjusted strategies to maximize recoveries
SBA/Small Business Collections Manager
Wachovia Small Business Capital
01.2003 - 01.2005
- Developed loss mitigation strategies and oversaw loan restructuring efforts
- Reduced small business loan losses by 28% through proactive account reviews and early intervention
Collections Group Manager
Midland Credit Management
01.2001 - 01.2003
- Supervised 50+ collectors in a high-volume call center environment
- Developed daily scorecards to track performance and enforce accountability
- Directed team initiatives to foster collaborative environment and achieve strategic objectives.
- Improved team performance with development and execution of targeted training programs.
Collections Supervisor
Travis Credit Union
01.1997 - 01.2001
- Managed collections for consumer loans, bankruptcies, and repossessions
- Enhanced collections efficiency by implementing and monitoring strategic collections plans.
- Streamlined department operations by optimizing workflows, policies, and procedures.
- Established performance metrics to evaluate team success and identify areas for improvement.
Education
Associate of Arts (A.A.) - Social Science
Solano Community College
Rockville, CASkills
- Collections & Recovery Management
- Regulatory Compliance (FDCPA, FCRA, CFPB, SBA)
- Performance Coaching & Staff Development
- Process Optimization & Workflow Enhancement
- Risk Analysis & Loss Mitigation
- Skip Tracing & Asset Recovery
- Financial Analysis & Reporting
- Client & Stakeholder Relationship Management
- Collections Platforms: CLS-Collections Master, SBA Paycheck Protection Platform
- Compliance Tools: FDCPA Monitoring Systems
- Skip Tracing Tools: LexisNexis, Accurint, Clear
- Data & Financial Analysis: Microsoft Excel (Advanced), Power BI
- Organizational development
- Leadership development
- Team building
Affiliations
- Receivables Management Association International (RMAI)
- American Collectors Association (ACA International)
Education Certifications
- Certified Receivables Compliance Professional (CRCP), RMAI
- Achieve Global Management & Diversity Certification
Additional Information
- Owner, Op2mistik Media Group, 01/01/21, Present
- Coach, Football & Track, Solano Community College, Vanden High School
Strategies Initiatives
- Introduced omnichannel collections strategies to improve borrower engagement.
- Enhanced recovery forecasting accuracy through improved data analysis and performance tracking.
- Adapted processes to align with emerging CFPB and FDCPA regulations.
Technical Skills
CLS-Collections Master, SBA Paycheck Protection Platform, FDCPA Monitoring Systems, LexisNexis, Accurint, Clear, Microsoft Excel (Advanced), Oracle, AS400
Timeline
Operations & Organizational Development Consultant
MiniStudio.AI
01.2022 - Current
SBA Loan Specialist
Highlight Technologies LLC
01.2020 - 01.2021
Assistant Finance Manager
Bloom Investment LLC
01.2012 - 01.2016
Recovery Collections Supervisor (Subprime)
Fireside Auto Finance
01.2008 - 01.2010
Collections Manager
Commission Loan / RCA
01.2006 - 01.2008
SBA/Small Business Collections Manager
Wachovia Small Business Capital
01.2003 - 01.2005
Collections Group Manager
Midland Credit Management
01.2001 - 01.2003
Collections Supervisor
Travis Credit Union
01.1997 - 01.2001
Associate of Arts (A.A.) - Social Science
Solano Community College
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