Cesar Camacho: Independent Contractor in Ontario, CA

• Start-up companies in Accounts Receivable and Debt Collection/Recoveries • System implementation (Defi-Solutions, Simplicity) • Office set up (location, desks offices, cubicles and telephone systems) • Accounting System set-up (GLs, Checks, Office Management AR/AP files) • Business to Business (SBA) Collections (i.e. Jessica Simpson, FUNFITFAB, Boomer Naturals) • Assisting organization both start-up and growth phases with minimizing financial loses by analyzing debt portfolio • Find resolution tools and products to reach debt ratio/recovery rates • Tactics include payment extensions, write-offs • Employ effective staff, resume review, interview, hire, on-boarding • Create and Write Policies and Procedures • QA Reviews in accordance with FDCPA, TCPA and other applicable Laws, Rules and Regulations • Vendor Management Administrator: ? Contract Review ? Contract Validation ? Vendor Management Review/Due Diligence (CFPB, BBB, Policy & Procedure Review, Social Media Complaints and Reviews, UDAAP verifications, Determine relationship level) • Accounting Principles, Reconciliation of Department and Company GLs, Lending Portfolio Analysis, Loss Analysis, Profit Analysis, and Credit Risk.

• Oversee Collection Portfolio for US, Canada and Mexico Accounts • Business to Business collections Fortune 500 companies (i.e. Whirlpool, Nestle, Robert Bosch, Nissan) • Met regularly with investor banks regarding account status (Wells Fargo, FUYO, Tokyo Century, Bank or America) • Responsible for hiring additional Collection Staff (from 2 to 8) • Train staff in non-systemic forums of company (currently only using Excel for Aging Report, Trust Accounts etc.) • Update policies and procedures • Headed major escalation project on the top 20 troubled accounts • Spearheaded Reconciliation Project for all customers in Mexico and US • Full Cycle AP/AR (Document Verification, Invoicing, Portal Billing Uploads, GL Recon, Treasury, AR) • Issued Findings Report to the Executive Team and the business partners with all supporting documentation • Issued updated invoices as needed to include identification numbers for collateral, invoice number, PO number, location of collateral, monthly charge, and grace days before the invoice would be considered late

• Write Executive Summaries regarding applicable Regulations and State Laws • Attended webinars and seminar regarding Regulatory Updates to ensure organizational compliance was compliant • Update company Policies and Procedures to avoid potential gaps regarding law, rules, regulation and state law • Execute Gap Analysis Reports to business units with potential risks and findings regarding regulatory and state laws • Manage team staff meetings for updates and training

Company Closed May 2016 • Oversee production of funding for dealership indirect loans • Write policy and procedures to enhance funding guidelines • Implantations of system: Defi Solutions, Megasys • Assisted with Dealer Track & DMV Titling • Meet with Dealership GM, F&I and Sales Managers for loan growth and opportunity • Assist partner dealership with restructure of F & I process for streamlining

• Manager group of nine (9) employees • Oversee loan production, processing, underwriting and Collections • Performance Reviews • Update policy and procedure • Training of staff • Collateral protection administrator • Skip Trace software administrator • Hire of staff • Audit loans • Amortization of loan • Ensure system accuracy for loan automated decisions, matrixes, payroll deductions, share transfers • Assisted accounting with figuring the accounts which had misapplied payments • Readjusted GL journal entries (ex: discount fees GL and or interest income GLs) • Credit member's account to adjust accordingly • Responsible for tracking all physical inventory of repossessed vehicles • Reviewed historical on losses and placed allowance to loan loss based on the findings • Compose Board reports with all information pertaining to but not limited to active loans, losses, repossession, errors in billings, outstanding invoices, and potential expected losses to come • Maintain updates on vehicles place at various dealership on consignment • Posting of all incoming payments or credits as requested by member/client

Credit Union Merged June 2015 • Developed in-house Collection Department • Hire of staff • Training of staff • Policy & Procedures • Handled all aspects of Collection Department • Risk Management • Lending Portfolio Analysis • Internal Lending Audits • Monitor Collection Calls from 10 days delinquent to Charge-off • Collateral Protection Insurance Administrator • Small Claims Representative • Bankrupt Accounts • Both Consumer and Mortgage Loan • Home loan modification • Financial assessments for modification request • Assisted accounting with figuring the accounts which had misapplied payments • Readjusted GL journal entries (ex: discount fees GL and or interest income GLs) • Credit member's account to adjust accordingly • Responsible for tracking all physical inventory of repossessed vehicles • Reviewed historical on losses and placed allowance to loan loss based on the findings • Compose Board reports with all information pertaining to but not limited to active loans, losses, repossession, errors in billings, outstanding invoices, and potential expected losses to come • Maintain updates on vehicles place at various dealership on consignment • Posting of all incoming payments or credits as requested by member/client

• Handled all aspects of Collection Department • Lending Portfolio Analysis • Internal Lending Audits (including but not limited to loan recast, loan amortization) • Collection Calls from 10 days delinquent to Charge-off • Collateral Protection Insurance Administrator • Small Claims Representative • Bankrupt Accounts • Negative Shares • Both Consumer and Mortgage Loan • Manage Force Place Insurance • Manage Levied Accounts • Updated Collections Policy and Procedures • Train staff as needed • Assisted accounting with figuring the accounts which had misapplied payments • Readjusted GL journal entries (ex: discount fees GL and or interest income GLs) • Credit member's account to adjust accordingly • Responsible for tracking all physical inventory of repossessed vehicles • Reviewed historical on losses and placed allowance to loan loss based on the findings • Compose Board reports with all information pertaining to but not limited to active loans, losses, repossession, errors in billings, outstanding invoices, and potential expected losses to come • Maintain updates on vehicles place at various dealership on consignment • Posting of all incoming payments or credits as requested by member/client Implemented Mortgage Loan Modification Program (specific for Downey Federal Credit Union) • Home loan modification Supervisor • Risk Analysis • Review home loans for modifications • Debt to income and housing to income ratios • Property values • Financial assessments for modification request • Liaison between staff and auditor/examiners both NCUA & Supervisory Audits