Michael Tober
Sharpsburg
Summary
Dynamic business consultant with a proven track record at J.P. Morgan Chase, excelling in financial management and team leadership. Expert in debt recovery and customer service, I have consistently enhanced operational efficiency and client satisfaction, driving significant growth and fostering strong relationships through strategic initiatives and effective communication.
Overview
44
44
years of professional experience
Work History
Freelance Business Consultant
Owner
12.2025 - Current
- Oversaw daily operations and staff performance in high-traffic retail environment.
- Resolved customer complaints efficiently to enhance overall satisfaction.
- Managed inventory levels and coordinated stock replenishment to meet customer demand.
- Conducted inventory management activities, including receiving shipments and maintaining stock levels.
- Developed training programs to improve staff product knowledge and customer service skills.
- Analyzed sales data to identify trends and adjust inventory accordingly.
Collections Manager
CNAC
11.2020 - 12.2025
- Managed collections team to ensure timely payment processing across diverse accounts.
- Oversaw account reviews, identifying delinquent accounts for targeted collection efforts.
- Coordinated with legal teams to resolve escalated collections issues and disputes effectively.
- Led team meetings to discuss progress, challenges, and best practices in collections management.
- Managed accounts receivable collections and credit activities for large customer base.
Owner
Vehicle Finance Services
04.2013 - 10.2020
- Developed tailored financial solutions to meet individual client needs.
- Oversaw compliance with industry regulations and best practices in financing.
- Built strong client relationships to boost customer satisfaction and loyalty.
- Identified opportunities for growth, expansion, and diversification.
- Formulated strategies to enhance collection processes and customer engagement.
- Managed accounts receivable collections and credit activities for large customer base.
Branch Manager
J. P. Morgan Chase
02.2010 - 04.2013
- Coached and managed 15 branch personnel, surpassing sales performance and operational targets.
- Continuously monitored branch performance against key indicators, implementing corrective actions as necessary.
- Maintained professional customer interactions to foster positive relationships.
- Implemented sales strategies that consistently achieved and exceeded branch targets.
- Managed daily banking operations while ensuring compliance with regulatory standards.
- Oversaw staff training and development to enhance service delivery skills.
- Coordinated branch activities to improve teamwork and operational efficiency.
- Analyzed financial reports to identify trends and guide strategic decision-making.
Divisional Director of Operations
Advance America
10.2004 - 02.2010
- Evaluated loan applications for creditworthiness and financial stability.
- Processed loan documentation in compliance with regulatory standards.
- Conducted interviews to collect client financial information and assess needs.
- Developed strategies to enhance collection processes and boost customer engagement.
- Trained staff on effective communication techniques and conflict resolution methods.
- Oversaw adherence to industry regulations and company policies in collections.
NCOIC
United States Marine Corps
Cherry Point
08.1982 - 08.2002
- Analyzed intelligence data to assess threats and deliver actionable insights.
- Collaborated with interagency partners to strengthen intelligence sharing initiatives.
- Coordinated development of counterintelligence strategies with other agencies.
- Conducted analysis of information operations intelligence related to various foreign issues.
Education
Bachelor of Science - Economics And Finance
The Ohio State University
Columbus, Ohio, OH08-1995
Skills
- Financial Management
- Customer Service
- Employee Management
- Documentation And Reporting
- Negotiation
- Team Building and Leadership
- Budget Creation
- Debt recovery
Timeline
Freelance Business Consultant
Owner
12.2025 - Current
Collections Manager
CNAC
11.2020 - 12.2025
Owner
Vehicle Finance Services
04.2013 - 10.2020
Branch Manager
J. P. Morgan Chase
02.2010 - 04.2013
Divisional Director of Operations
Advance America
10.2004 - 02.2010
NCOIC
United States Marine Corps
08.1982 - 08.2002
Bachelor of Science - Economics And Finance
The Ohio State University