Gerard H. Lin gl15d79b6@westpost.

net (803) 463 6637 mobile (803) 376 8868 residence SUMMARY:

476 Summerlea Drive

Columbia, SC 29203

My experience is more than 14 years in the business and financial industry. It covers various sized from small and new businesses, to other extremely large loc ations with a portfolio of more than 10 million dollars. In past years, I have been fortunate enough to lead various staffs across the country in new training and management skills. I have developed my skills into territory management acro ss several states and enjoy the challenge of traveling and working with new clie nts. I thoroughly enjoy the business environment including marketing, sales, gro wth, and leadership. EXPERIENCE: Moore Foods, Inc (January 2010-August 2010) Territory Manager * Increased revenue within a multi state territory. Identified, prospected, and qualified new accounts. Negotiated contracts of facilities, maintained business relationships. * Managed the complex sales cycle, to include calling on existing accounts, crea ting new accounts, and maintaining high level customer relationships. * Sold brands to various retail, hospitals, and restaurant establishments. * Worked in a consulting capacity with clients to aid in establishing their need s. * Worked within established sales guidelines. Actively promoted products as nee ded. * Communicated and collected accounts receivables as necessary. * Performed administrative duties such as preparing daily and monthly reports, m aintaining sales records and invoices. * Monitored warehouse for inventory purposes Security Finance (December 2007-September 2009; South Carolina was base but trav eled country as needed) Territory Supervisor * Took over as a Territory Supervisor in a territory of eight branches that was failing. * Turned that non profit eight branch territory into profit within 4 months. * Territory lost $156000 previous year, as of September territory gained $44000 in profit. * Recruited and hired staff for the territory * Responsible for all training in the branches; followed up with branch personne l if training modules have been completed. * Conducted monthly training clinics on sales techniques and marketing; territor y achieved highest account gain and loan volume, objectives were exceeded after 3 months. * Coached branch personnel on company policies and procedures. * Insured branch compliance with all state and federal regulations. * Performed audits for policy compliance as needed. Monitored supplies and asset s. * Assisted with research of new area and market territories. * Evaluated staffs (28) on a monthly basis for performance, promoted three Assis tant Managers to Branch Managers. * Established goals for the territory and verified those goals were reached by s taff. * Instrumental in establishing territory policies such as hours of operation and

overtime. * Established appropriate collection procedures to ensure delinquent accounts we re handled properly, territory delinquency was at the beginning 18 percent, with in three months 7 percent was achieved National Training Supervisor * Developed and trained new personnel (300) throughout the United States. * Trained Branch Managers on company policies and procedures. * Coached branch personnel to establish and consistently achieve their monthly a nd annual goals. * I would step in and perform all duties of a territory supervisor in whichever states were needed. * Traveled weekly to various states and territories as needed when new and more detailed training was necessary. * Performed training conferences for the entire staff in assigned states. * Researched new areas and markets to create new territories. Lendmark Financial (July 2005 - July 2007; Columbia, SC) Branch Manager * Opened a new branch in a new location. * Established relationships with auto dealers, furniture stores, jewelry stores and mortgage brokers; 2300 accounts were gained after two years. * Recruited, hired, and trained the new staff of four employees. * Daily supervision of operation of branch. * Provided customer service to businesses as well as individual clients; 60 perc ent of accounts were originated from dealerships, 30 percent were personal loans and 10 percent were mortgages. * Monitored daily deposits; branch was in profit after 4 months. * Credit decisions on all possible loans and mortgages; portfolio of four millio n dollars was reached within two years of operation. * Serviced all accounts in branch; referral of new accounts by existing customer s was 52 percent. * Supervised collections; branch delinquency was below 3 percent. * Responsible for monthly and yearly reports to corporate in MS Excel. * Audited all files, cash drawers, and deposits for compliance. * Evaluations and recommendations of staff to be sent to corporate monthly and a nnually. * Responsible for life, accident, auto and health insurance on loans. * Weekly visits in a marketing capacity to dealers; branch worked with 40 Auto a nd Merchant Sales Dealerships.

Pioneer Credit Company & Tax Service (2001-July 2005; Columbia SC) Branch Manager * Supervised, managed, and helped employees (6) for continued operation of branc h. * Provided customer service to problem accounts. * Take loan applications, verify employment, pull credit bureau inquiries. * Budget customer & credit decision; branch achieved loan volume and account aft er missing objectives for 24 consecutive months. * Responsible for insurance sales on personal & automobile loans. * Monitored cash drawers and daily deposits; branch had a negative profit for co nsecutive 42 months prior, branch was in profit after 6 months. * Collected on past due accounts by phone, mail, and field visits; slow file was at 52 percent for 36 consecutive months, slow file was at 29 percent after 8 mo nths. * Approved auto loans, sales finance loans, and personal loans. Washington Mutual Finance (1999-2001; Columbia SC)

Manager Trainee/Assistant Manager * Responsible for continued operation of branch. * Managed cash drawer (take payments, balance, make deposits). * Soliciting and selling personal, sales finance, & real estate loans. * Applied loans on Windows NT systems & appraised/searched titles on 1st, 2nd, & quasi-mortgages. * General collecting on cp30's, c30's, c60's, c90's, c120's, c150's and ap&l ("c harge-offs") by phone & mail, skip-tracing with other financial institutions & i nternet, calculating payment plans for delinquent customers, & field-calling in Lexington, Columbia areas. Anchor Finance (1998-1999; Columbia SC) Assistant Manager/Customer Service Representative * Administered corporate branch in Columbia, SC. * Provided customer service (answered phones, took payments, filed insurance). * Provided training & telephone support for customer service representatives. * Created/monitored payment plans for delinquent customers OTHER SKILLS: Fluent in German and English, multi unit leadership, problem solving, call cente r experience, strong communication skills, sales skills and the ability to multi task. Authorized to work in the United States and in the European Union. ( Dual Citizenship, USA and Germany ) EDUCATION: High School: Kolleg St. Balsien, Germany University of South Carolina, BS - Biology