Credit and Collection Lead

Matthew H. Goldberg

2928 Dean Parkway #2L Minneapolis, MN 55416




Matt Goldberg Photography.  January 2015 – present.


Landscape, travel, cityscape, wildlife, Milky Way, and architecture-based photography.   


Collections Experience


Consultant, Credit Service Lead.

Patterson Companies, Inc. Eagan, MN.

2-month contract assignment.

April 2016 – June 2016.

-Managed several collectors through the coaching and implementing of collection strategies, including talk-offs, daily time management, and developing work strategies for effectively managing daily, weekly and monthly tasks

-Identified ~ $7 million in account balances for the company; namely accounts which were not being properly managed nor collected by the company and brought to collectors’ attention, thus affecting the company’s A/R past due balances

              -Audited ~ $2.1 million in account balances with specific instructions to collection staff for collecting these balances

              -Identified bottlenecks in current business processes within the department and proposed solutions to said bottlenecks

-Some of the proposed solutions included re-writing of dunning letters, an increase to # of outbound calls per collector, migration to MS Sharepoint for account request management, creating urgency in collection calls, implementing team meetings, automating letter correspondence at certain points of company’s letter dunning process, preventing the duplication of account documentation in sections of collection process, attendance tracking, and employee recognition programs

-Developed collections training content for a newly-developed financial services office for the company

-Monitored legacy software to SAP migration issues


Collection Supervisor.

National Recoveries, Inc.  Ham Lake, MN.

February 2014 – April 2015. 

              -Managed 9-17 debt collectors and their daily collection efforts across multiple client-specific projects

-Portfolios managed:  Unpaid tuition balances, federally-backed Perkins loans, NSF checks, DDA bank charge-offs, tertiary portfolio medical debts, and small business contingency accounts.  

-Developed and implemented processual strategies including collector utilization of status codes, account inventory management, tactics for combatting stalls with consumers, and identifying areas of opportunity in distressed debt portfolios

              -Responsible for monitoring and managing individual performance of collectors

-Assessed issues of focus on an individual basis while capitalizing on individual collector strengths

-Contacted clients regarding accounts

-Handling of supervisor call requests by consumers

-Monitored employee attendance/tardiness/PTO accrual

-Ran daily reports (Excel-based) for individual and macro-based performance metrics and analysis including metrics for collector performance, quality control management, client liquidation rates, post-dated payment growth, call gaps, attendance issues, PTO accrual, auto dialer performance, inventory management, and ‘collector pyramid’ areas of opportunity (i.e. # of calls, # of contacts, # of promises, # of promises kept, and average size of payments collected)

-Monitored calls and coaching collectors in areas for improvement and opportunity

-Identified and corrected quality control issues to ensure FDCPA, FCRA, and state-level compliance as mandated and monitored by CFPB and state-based AG divisions

-Worked across multiple departments to ensure the collection floor is adhering to company policies while fulfilling                                  company profitability, including QC, legal, accounting, IT, administrative, and executive departments

-Conducted weekly meetings focused on performance

-Conducted employee interviews, reviews and recommendations to senior management for employee placements to client-specific projects




Collection Manager.

Receivables Management Group.  Eden Prairie, MN. 

March 2013 – February 2014.

-Managed a portfolio of mobile home loans, including collection efforts on behalf of lien holder; collection efforts on delinquent accounts; receiving, processing, and posting payments to accounts, alternative collection and foreclosure recommendations to principals on severely delinquent accounts; initiating foreclosure processes against select account holders; title disbursement and billing management for all accounts

-Collection efforts concentrated in a tertiary portfolio of unpaid subscription-based accounts, DDA balances (pre-charge off), NSF checks (both MN and non-MN), DDA deficiencies (tertiary market accounts ~ 4-year charge-offs), and small-business, non-debt buying contingencies for both commercial and consumer accounts

-Handling of supervisor call requests by consumers



Collection Supervisor.

Frontline Asset Strategies.   Roseville, MN. 

February 2011 – May 2011

              -Managed a team of 9-12 full-time debt collectors

-Managed a portfolio of ~$5,500,000 monthly fresh (< 2 months) charge-off delinquent credit card placements which averaged an accumulated face-value placement amount of ~$90,000,000.

              -Coached collectors thru call monitoring, skill developments, and effective follow up.

-Created Excel reports for managerial analysis that highlighted client liquidation performance, individual collector growth patterns, post-dated payment growth, account call gaps, inventory management at the collector level

-Reported directly to vice president of operations and/or company owner on a daily basis either thru e-mail or management meetings.

              -Monitoring of electronic employee time cards, PTO accrual, vacation authorization for employees

-Handling of supervisor call requests by consumers

-Conducted employee interviews, reviews and recommendations to senior management for employee placements to client-specific projects

              -Conducted and oversaw weekly performance meetings with employees

-Daily audits and MTD tracking of employee clock-in/clock-out times, accounts worked per employee, daily amount collected per employee, dial gaps, number of contacts, and inventory / collector account management


Debt Collector.

Frontline Asset Strategies.

September 2009 – January 2011, and June 2011 - February 2013.

              -four internal promotions  moves in lieu of successful collection performances

              -analysis of consumer and commercial credit bureau reports (CBRs) including discrepancy charge-offs

-types of debt collected upon:  delinquent credit cards ranging from < 1 month charge-offs to out-of statute, first agency placements thru fifth agency placements up to 30 years old, pre-litigation credit card delinquencies, post-judgment credit cards, auto deficiency balances, boat/sport utility deficiencies

              -Average monthly gross collection total for fiscal year 2010 was ~$45,000                                                                             -Average monthly gross collection total for fiscal year 2011 was ~$51,000

              -Average monthly gross collection total for fiscal year 2012 was ~$55,000    



Debt Collector.  Financial Recovery Services, Inc.  April 2009 - September 2009.

              -Collection efforts on tertiary bank cards, with an average charge-off date of ~ 3 years


Debt Collector. 

IDT Carmel, Account Manager/Collector.  Bloomington, MN.         

January 2008 - April 2009 (company is now closed).

-recipient of company “collector of the month” award 3 times

              -3 internal promotions during tenure


Skiptracing and Collection Software Experience:


CAMS, Portfolio Inventory Management Software (PIMS), Bloodhound, IMPACT, UNIX-based collection programs, Accurint, FastData, Metronet, TLO, Pipl, Manta, Hoovers, Dun & Bradstreet, White Pages, Google










Feature Film Screenplays:   Rubon (Copyright 2015), The Red Cloud (Copyright 2016), Hi-Prose (Copyright 2016)



One”:   Fall 2003. Experimental Piece.
Where The Rain Grows: Spring 2004. Piece about Nordic Mythology.

Awards:  2004 Tensie Awards for Best Music Video and Best Videography.  Nominated for Best Editing.
Fire & Ice: Fall 2004. Experimental Piece.
The Denizen Chronicle: Spring 2005. Short Film. Science Fiction/Action/Adventure.

              Awards:  2005 Tensie Award for Best Videography.

Stull: Fall 2005. Feature-Length Documentary about a haunted township.

Studio 804:  Spring 2006. 

Local Commercials (Lawrence, KS), Weddings, Quinceaneras, Freelance video camera work


Additional Skills/Trades:

Writing for film, Postproduction Experience, Extensive knowledge of postproduction film and video workflows, Editorial – offline and online, Pinnacle Liquid: 5+ years, Avid MC (HD and SD): 3 ½ years, Final Cut Pro HD/SD: 3 years, Adobe CS3, 4, 5 & 6 (Premiere, Photoshop, Lightroom and After Effects) , Quantel iQ: vocational, Autodesk Flame: vocational, Installation/AV Integration, Photography, Cinematography and Videography, 35MM, 16MM, HD 4:4:4, HDCAMSR, HDV – JVC-GYHD100U, MiniDV – Canon GL2, Panasonic DVX100, HDSLR – 5D Mark II, Nikon D5100 & D5500, MS Office – Word, Excel, Powerpoint & Access



Additional Experience



United Liquors. Golden Valley, MN.

August 2002 – June 2015 (family-owned, currently closed)
Job Responsibilities: Cashier at front register; processing purchase orders and verifying invoices; assist customers when needed on floor; stocking of product.





University of Kansas. 

Bachelors’ in Film, Theatre & Film

Concentrations in Business Administration and Anthropology.  2001-2006.


Robbinsdale Armstrong High School


Leadership Roles

September, 1999 to June, 2000: President of B’nai B’rith AZA chapter, Bobby Bell. Responsibilities included preparing weekly agendas for chapter meetings, attending conferences and meetings locally and out of state, planning committees and assigning job
responsibilities to members, and attending a two week leadership training camp.
April 1998: American Student Ambassador to Bulgaria
June 2000 to August 2000: Student at Alexander Muss High School in Israel program

Film, writing, landscape photography, jogging, hiking, billiards 

  • ID#: 109337
  • Location: Minneapolis, MN , 55416

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