Bonita Y. Goodwin
Summary
Experienced professional with 45 years in collection and legal industries seeking challenging role with reputable company. Open to salary negotiation and eager for immediate placement within organization.
Overview
49
49
years of professional experience
Work History
COLLECTIONS MANAGER
North Peace Savings & Credit Union
07.2016 - 07.2024
- Collections & Recovery on all accounts-Commercial and Personal
- Reviewing and Investigating of all Fraud accounts and implementing streamlined accounting of all accounts and putting policies and procedures reducing it by 93%
- Process foreclosures, repossessions, criminal prosecution, investigations, tracking assets, securities etc.
- Implement legal action and follow-up to finality including CMHC-GENWORTH-CONCENTRA claims and supplemental claims
- Handle ALL Personal and Business Accounts over 35 days until brought current
- Handle ALL overdraft accounts (collections or offsetting funds) reduced by over 350,000.00 And keeping at a stable (50,000.00 or less)
- Prepare Bankruptcy, Consumer Proposal creditors packages, and write offs with dividend information, then applying the to a recovery report
- Prepare investigations reports for court on fraud or litigation files.
- Complete Watchlist, Homes held for resale, Recovery and Collection Reports, CHMC and Genworth monthly reporting etc.
- Prepare claims on deficiency balances on all foreclosures and files with cmhc or Genworth
- Prepare Overdraft reports for CFO weekly and determine closure or dormant accounts after 70 days
- Create life bans and closure on all theft or related fraud accounts/interrogation
- Handled all delinquent vehicle loans with a record breaking 1% loss for 3 years
- NOW MERGING WITH INTERIOR SAVINGS & CREDIT UNION
- No position available
GENERAL MANAGER
Western Debt Solutions Inc.
03.2012 - 12.2013
- Hired to oversee and completely restructure Western Debt Solutions Inc
- Company operates within Code of Ethics and Job Performance
- Hired staff-trained on and off 6 months to ensure they meet all expectations, under Fair Trade Act, Consumer Protect Act of BC, The Commission of the Privacy Act and Western Debt Solutions
- Company was fully restructured with minimal changes left, advanced new business to increase receivables by 23%
- Monitoring all accounts to ensure all security and compliance under all acts
- Operating and monitoring 2 branch offices, and safeguarding any problematic issues
- Overseeing the entire operation under the umbrella of WDS and Western Debt Solutions Inc
- Collections, Investigations, tracking and asset recovery
- Developed marketing strategies to generate new business
- Managed day to day operations, created professional website, brochures, all collection letters, all demand letters, client performance reports
- (Closed and sold-Owner retired January 2013)
OWNER/OPERATOR
Osoyoos Cleaning & Contracting Services Ltd.
01.1999 - 05.2012
- Day to day operations for a very successful construction cleaning business of 18 staff
- Oversaw all aspects of each assigned project to ensure optimal performance resulting in client satisfaction
- Planning, budgeting, scheduling and hiring
- Designed website and advertising material
- Sold business in early 2010
- (to work and be a good mother to my daughter with availability)
OWNER/OPERATOR
Spencer Tracking & Recovery Ltd
04.1991 - 04.1998
- Handled fraud and receivable accounts for every major bank Canada wide
- Assisted BCTV now GLOBAL BC NEWS-reported by John Daly-uncovering 2 fraud cases one in Montreal and South Coast-once completed-charges were brought by Vancouver City Police
- Do to the economy crash-business stale-mated and closed the business.
SENIOR COLLECTION OFFICER/TRACE MANAGER
F.C.A.
01.1994 - 04.1996
- Collections, tracing, tracking and asset recovery
- Overseen and managed the Trace Department
- In Charge of training new staff in Collections and Trace Department
Legal Collections/Trace Manager
G.A. KIRK & ASSOCIATES
01.1976 - 01.1977
- Worked for Mr. Kirk back and forth while also attending school.
- GERRY KIRK-RETIRED
Education
Graduated with Honors - English and Fine Arts
MATTHEW MCNAIR SENIOR SECONDARY SCHOOL
Richmond, BC01.1977
Graduated in 1991 - Business Management
UNIVERSITY OF BRITISH COLUMBIA
Vancouver, BC01.1991
Graduated in 1981-Clerk Typist - Legal Assistant
PACIFIC VOCATIONAL INSTITUTE
Burnaby, BC01.1981
Skills
- Advanced computer proficiency
- Coordinating and reviewing staff activities
- Integrated marketing and sales experience
- Builds strong client relationships
- Fraud investigation and asset recovery
- Legal documentation expertise
- Fraud detection in credit
- Skilled in complex software usage
- Results-driven mindset
- Customer service expertise
- Effective time management
- Client relations management
- Outstanding balance oversight
- Skilled in risk identification
Accomplishments
- Managed all functions related to collections, fraud, legal proceedings and trace departments
- Owned and operated 2 successful businesses
- Reduced company expenditures by 10% and increased finances by 84%
- Spearheaded acquisition of 2 competitor companies
- Developed new marketing strategy which increased customer base by 56%
- Prepared and developed addition policies and procedures for Collections and Fraud for the Credit Union
- Mentored and coached employees resulting in a 35% increase in productivity
- Contract negotiation, signed and negotiated for more than 20 major clients, and hundred's of smaller clients on a case by case scenario
Languages
English
Full Professional
Timeline
COLLECTIONS MANAGER
North Peace Savings & Credit Union
07.2016 - 07.2024
GENERAL MANAGER
Western Debt Solutions Inc.
03.2012 - 12.2013
OWNER/OPERATOR
Osoyoos Cleaning & Contracting Services Ltd.
01.1999 - 05.2012
SENIOR COLLECTION OFFICER/TRACE MANAGER
F.C.A.
01.1994 - 04.1996
OWNER/OPERATOR
Spencer Tracking & Recovery Ltd
04.1991 - 04.1998
Legal Collections/Trace Manager
G.A. KIRK & ASSOCIATES
01.1976 - 01.1977
Graduated in 1991 - Business Management
UNIVERSITY OF BRITISH COLUMBIA
Graduated in 1981-Clerk Typist - Legal Assistant
PACIFIC VOCATIONAL INSTITUTE
Graduated with Honors - English and Fine Arts
MATTHEW MCNAIR SENIOR SECONDARY SCHOOL
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