SUMMARY A successful banking, financial service executive with management expertise in credit cards, home equity, sales, collections and customer service. Demonstrated leadership in team building, problem solving, communications and customer satisfaction. Proven ability to achieve profitability in growth oriented organizations. Strong relationships and contracts in the financial area (insurance, finance companies, banks and mortgage companies). Utah * Reducing Human Capital Expenses * Enhance Net Loss Results * MIS Streamlining * Collections Training Programs * M&A Due Diligence * Systems Conversions * Outsourcing Expertise * Payday Lending Minnesota South Dakota and Delaware