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Scott Otwell
P.O. Box 235
Pell City, Alabama 35125
(205) 566-9094
scott1801@hotmail.com
Objective:
I am seeking a position in Management with opportunities to utilize my skills in organization, motivational
leadership, problem solving, and underwriting applications.
Work Experience:
Assistant Branch Manager
December 2014-Present, 1st Franklin Financial, Oxford, Alabama
Follow policies, practices and procedures for underwriting application, and granting credit to applicants.
Help maintain and control collection activity in the branch, working toward our monthly delinquency goal.
Marketed to customers every day to either renewal or increase their loan. Also marked to retail dealers to
gain their trust and have them send business to the company.
Branch Manager
4/2014-8/2014, Sun Loan Company, Oxford, Alabama
Followed policies, practices and procedures for underwriting application, and granting credit to applicants.
One of the main goals is to build up the portfolio and ledger balance of the branch. Also work collections
everyday either by phone or out in the field to bring delinquency numbers in line with company standards
while staying within the rules of the law. Provide customer service by greeting everyone as they come
through the door and handling their needs, whether if it’s just a payment or to do a renewal on a loan.
Branch Manager
February 2014-April 2014, Title Cash. Talladega, Alabama
Followed policies, practices and procedures for granting payday and title loans. Payday loans are set up
on a biweekly or monthly basis. Title loans are set up to be paid on a monthly basis. Maintained and
controlled collection activity in the branch.
Production Line Associate
10/2013-January 2014, Honda Manufacturing of Alabama (Elwood Staffing). Lincoln, Alabama
Working in the Paint Department making sure that all the seams and sealed in fully to prevent any water
leaks in the vehicle once it’s assembled.
Branch Manager
8/2010-9/2013 Regional Finance Corporation. Oxford, Alabama
Followed policies, practices and procedures for underwriting application, and granting credit to applicants.
Accomplished to achieve or exceed loan standard goals for the branch. Maintained and controlled
collection activity in the branch. Where it was successful at hitting a delinquency goal of 5.99% or below.
Marketed to dealers to solicit new business.
Assistant Branch Manager/Account Representative II
8/2002-4/2007 and 4/2008 – 5/2010 United Auto Credit Corporation, Birmingham, Alabama
Follow policies, procedures, and practices concerning underwriting, applications and granting or
extending auto loans. Maintain, monitor and control collection activity within the branch.
Supervise and coordinate all administrative activities within the branch.
Manager in Training
5/2007 - 4/2008 Nicholas Financial, Inc., Birmingham, Alabama
Manager in Training
To learn everything that is required to properly operate a
Branch Office. Follow policies, practices, and procedures
concerning underwriting credit applications in approving or
declining auto loans. Maintain satisfactory dealer
relationships and solicit new dealerships.
Help maintain, monitor and control collection activity
within the branch. Provided excellent customer service.
Credit Manager
9/2000 - 7/2002 WellsFargo Financial Acceptance, Birmingham, Alabama
Adjustment of 30, 60, 90 day delinquent accounts.
Analyzed loan applications.
Provided excellent customer service. Maintained Dealer relationships.
Hardlines Manager
1/2000 - 9/2000 Kmart Corporation, Centre and Pell City, Alabama
Managed all aspects of the business from checkout operator,
providing customer service, department and store layouts,
receiving operations, scheduling, stock replenishment, and supervising other employees.
Delegation of work assignments to employees.
Education:
9/1997 - 12/1999 Jacksonville State University, Jacksonville, Alabama
Bachelor's Degree
Major: Management
9/1994 - 3/1997 Gadsden State Community College, Gadsden, Alabama
Associate Degree
Major: Business Administration
Skills:
Microsoft Word and Microsoft Excel, Microsoft Power Point.

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Scott Otwell Resume

  • 1. Scott Otwell P.O. Box 235 Pell City, Alabama 35125 (205) 566-9094 scott1801@hotmail.com Objective: I am seeking a position in Management with opportunities to utilize my skills in organization, motivational leadership, problem solving, and underwriting applications. Work Experience: Assistant Branch Manager December 2014-Present, 1st Franklin Financial, Oxford, Alabama Follow policies, practices and procedures for underwriting application, and granting credit to applicants. Help maintain and control collection activity in the branch, working toward our monthly delinquency goal. Marketed to customers every day to either renewal or increase their loan. Also marked to retail dealers to gain their trust and have them send business to the company. Branch Manager 4/2014-8/2014, Sun Loan Company, Oxford, Alabama Followed policies, practices and procedures for underwriting application, and granting credit to applicants. One of the main goals is to build up the portfolio and ledger balance of the branch. Also work collections everyday either by phone or out in the field to bring delinquency numbers in line with company standards while staying within the rules of the law. Provide customer service by greeting everyone as they come through the door and handling their needs, whether if it’s just a payment or to do a renewal on a loan. Branch Manager February 2014-April 2014, Title Cash. Talladega, Alabama Followed policies, practices and procedures for granting payday and title loans. Payday loans are set up on a biweekly or monthly basis. Title loans are set up to be paid on a monthly basis. Maintained and controlled collection activity in the branch. Production Line Associate 10/2013-January 2014, Honda Manufacturing of Alabama (Elwood Staffing). Lincoln, Alabama Working in the Paint Department making sure that all the seams and sealed in fully to prevent any water leaks in the vehicle once it’s assembled. Branch Manager 8/2010-9/2013 Regional Finance Corporation. Oxford, Alabama Followed policies, practices and procedures for underwriting application, and granting credit to applicants. Accomplished to achieve or exceed loan standard goals for the branch. Maintained and controlled collection activity in the branch. Where it was successful at hitting a delinquency goal of 5.99% or below. Marketed to dealers to solicit new business.
  • 2. Assistant Branch Manager/Account Representative II 8/2002-4/2007 and 4/2008 – 5/2010 United Auto Credit Corporation, Birmingham, Alabama Follow policies, procedures, and practices concerning underwriting, applications and granting or extending auto loans. Maintain, monitor and control collection activity within the branch. Supervise and coordinate all administrative activities within the branch. Manager in Training 5/2007 - 4/2008 Nicholas Financial, Inc., Birmingham, Alabama Manager in Training To learn everything that is required to properly operate a Branch Office. Follow policies, practices, and procedures concerning underwriting credit applications in approving or declining auto loans. Maintain satisfactory dealer relationships and solicit new dealerships. Help maintain, monitor and control collection activity within the branch. Provided excellent customer service. Credit Manager 9/2000 - 7/2002 WellsFargo Financial Acceptance, Birmingham, Alabama Adjustment of 30, 60, 90 day delinquent accounts. Analyzed loan applications. Provided excellent customer service. Maintained Dealer relationships. Hardlines Manager 1/2000 - 9/2000 Kmart Corporation, Centre and Pell City, Alabama Managed all aspects of the business from checkout operator, providing customer service, department and store layouts, receiving operations, scheduling, stock replenishment, and supervising other employees. Delegation of work assignments to employees. Education: 9/1997 - 12/1999 Jacksonville State University, Jacksonville, Alabama Bachelor's Degree Major: Management 9/1994 - 3/1997 Gadsden State Community College, Gadsden, Alabama Associate Degree Major: Business Administration Skills: Microsoft Word and Microsoft Excel, Microsoft Power Point.