Eric Huxtable
Cherry Valley
Summary
Analytically sharp Credit and Collection Analyst known for high productivity and efficiency in task completion. Possess specialized skills in risk assessment, accounts receivable management, and regulatory compliance. Excel in negotiation, problem-solving, and communication, enabling effective resolution of complex financial disputes and fostering positive client relationships.
Overview
33
33
years of professional experience
Work History
Credit and Collections Analyst
KTM North America
Murrieta
07.2023 - 08.2024
- Work with Sales and Finance to assess and manage bicycle dealers payment terms and credit lines to enable sales, and at the same time control bad debt exposure and expenses.
- Work with dealers to obtain securities for credit lines where necessary and maintain letter of credit schedules.
- Monitor the Accounts Receivable portfolio for trends and warning signs.
- Reporting: issue reports and dashboards around credit limits usage, dealer balances and overdues.
- Collections: contact dealers in collaboration with Sales to maintain strong cash flows through efficient collections. Initiate legal or other recovery actions against customers who are delinquent.
- Account management: apply payments to customers' accounts, provide account statements, issue collection letters, support payment plan creation for delinquent dealers, charge interest and fees to delinquent dealer accounts. Work with the Accounts Receivable Manager and North America Controller on adequate allowances for doubtful accounts.
- Create and control master data: set up credit limits, credit rating and terms for dealers in the Company's ERP (SAP).
Credit Manager/Assistant Manager
Rent-A-Center
Riverside
10.2021 - 06.2023
- Review past due A/R accounts and communicate in-person and via phone with the customers to promote timely payments.
- Collect customer payments on a timely basis and meet daily/weekly/monthly collection standards.
- Negotiate payment plans for past due accounts.
- Conduct store opening and closing procedures.
- Perform cash drops/reconciliation, bank deposits.
- Complete rental agreements as required.
- Adhere to policies and procedures.
Dispute Resolution Manager
Optima Tax Relief
Santa Ana
08.2020 - 02.2021
- Manage the daily operations of the Dispute Resolution team by assisting with handling escalations and negotiating amicable resolutions with clients.
- Act as the liaison between the Legal and Executive Relations departments.
- Lead by example for direct reports and provide coaching/mentorship to the team.
- Coach, train and mentor direct reports.
- Monitor daily performance and hold team accountable to Optima standards.
- Document detailed case analysis utilizing company CRM.
- Prioritize case load and assignments.
Director, Asset Recovery and Collections
Capital Vacations
Myrtle Beach
05.2018 - 06.2019
- Drives the development and execution of timeshare collections and remarketing strategies to drive operational effectiveness.
- Coordinates with key corporate departments including Owner Services, Central Reservations and Owner Support.
- Regularly analyzes key performance indicators (KPIs) and perform ad-hoc analysis to provide concise summaries and root-cause analysis of performance trends to senior management.
- Discuss and review collections activity with associates and senior leadership.
- Continually evaluate and enhance workflow to implement best practices.
- May handle escalated customer/owner service calls or complaints.
Vice President, Operations
Del Mar Recovery Solutions
10.2016 - 01.2017
- Manage performance objectives of skip tracers and account representatives.
- Improves customer satisfaction and call quality by monitoring and providing feedback.
- Manages outsourced vendor performance and relationships that may include Recovery Agents, Collection Vendors and Skip Tracers.
- Review and respond to regular client audits.
- Provide leadership, coaching and guidance to Managers and Supervisors.
- Communicate regularly with the Executive Team regarding goals, trends and operational strategy.
Manager, Servicing and Collections
Veritas Auto Finance
10.2014 - 04.2016
- Identify and recommend operational and procedural enhancements to positively impact efficiency and effectiveness of the business to the EVP of Servicing and Collections.
- Actively perform reviews and audits of calls to ensure compliance.
- Handle escalated collections calls in a manner that supports all company policies, procedures and expectations.
- Provide developmental and disciplinary feedback to associates to encourage success.
- Complete performance evaluations with associates and administer performance improvement plans.
- Analyzes queue and process management to ensure production and performance goals are met.
- Manage impound and lien notices.
- Review and recommend accounts for repossession.
Collections and Default Manager
Quanta Portfolio Services
04.2010 - 10.2014
- Responsible for daily collection management and performance of mortgage notes receivables.
- Lender portfolio in excess of $15,000,000 with delinquency ranging from 120 days to 84 months.
- Initiated and implemented mortgage settlement and payment plans allowing the Lender to yield over 12% cash settlements on severely delinquent accounts.
- Lenders expected goal was realize 3% cash settlements.
- Analyzes queue and process management workflow to ensure production and performance goals are met.
- Handles escalated calls from the team members and will initiate outbound calls when needed.
- Draft and administer performance improvement plans as needed.
Sergeant
United States Marine Corps
01.1992 - 01.2000
- Honorable Discharge as a Sergeant
Education
Completed one year - Liberal Arts
Duquesne University
Pittsburgh, PAHigh School Diploma -
Jakarta International School
Jakarta, IndonesiaSkills
- Credit analysis
- Debt collection
- SAP ERP
- Salesforce
- Payment processing
- Negotiation techniques
- Customer relationship management
- Dispute resolution
- Risk mitigation
- Microsoft Excel proficiency
- Credit risk
- Data analysis
- Accounts receivable
- Bad debt recovery
Attributes
- Able to prioritize and multi-task in a fast-paced environment
- Proficient with Microsoft Suite, SAP and Salesforce
- Effective and experienced in corporate communication
Timeline
Credit and Collections Analyst
KTM North America
07.2023 - 08.2024
Credit Manager/Assistant Manager
Rent-A-Center
10.2021 - 06.2023
Dispute Resolution Manager
Optima Tax Relief
08.2020 - 02.2021
Director, Asset Recovery and Collections
Capital Vacations
05.2018 - 06.2019
Vice President, Operations
Del Mar Recovery Solutions
10.2016 - 01.2017
Manager, Servicing and Collections
Veritas Auto Finance
10.2014 - 04.2016
Collections and Default Manager
Quanta Portfolio Services
04.2010 - 10.2014
Sergeant
United States Marine Corps
01.1992 - 01.2000
Completed one year - Liberal Arts
Duquesne University
High School Diploma -
Jakarta International School