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Joseph Chromy, Jr.
Mr. Chromy has more than 25 years of operational, sales and marketing experience in the education loan collection industry with a long history serving Guaranty Agencies, Lenders and Universities as a third party service provider. He is an acknowledged collection industry leader with a successful history building three collection agencies, vertical markets and operational infrastructures. He is a detail-oriented professional whose core competencies span finance, credit risk scoring, collection, sales and information technology and known to deliver best-in-class collection centric solutions that identify and enhance core competencies of all employees and business units.

Professional Profile

  • Successfully managed the 90 day implementation, development and execution of a collection agency startup in Austin, TX;
  • Successfully instituted five cutting edge, financial receivable management programs into the commercial, government, and private industries, resulting in a boost in annual revenue by 238%;
  • Led a collection agency to second place (out of 6), in a competitive evaluation, by meeting the increased delivery service requirements of clients, which enabled the company to achieve more than $600M in placements and the potential of accumulating almost $8M in revenue in a year;
  • Played a major role building a collection agency from three to 650 employees and aided in accumulating $17M in annual revenue and more than $3B in placements in the first nine years;
  • Raised output efficiency to a 660% increase and lowered reduction cost by 280% through effectively implementing technology, organizational and internal control structure; and
  • Created groundbreaking customer relationship models as well as communication implementation strategies that ultimately beat all other competitors within the market.

Areas Of Expertise

Business Process Engineering

  • Corporate Business Planning
  • Corporate Sales Planning
  • WiredContact Enterprise Programming, Hosting and Development
  • Sales Training
  • Bid Writing
  • Collection and Customer Service Call Center Engineering 
  • Business Process Management (BPM) technologies
  • Business Process Management System (BPMS)
  • Performance Measurement
  • Critical Success Factors (CSFs)
  • Business Process Design/Measurement
  • Process Improvement
  • Reusable Business Processes Flows
  • Services Oriented Architecture (SOA)

Programming Languages and Software Applications

  • HTML
  • JavaScript
  • Standard Structured Query Language (SQL)
  • MS Office: Excel, Access, Word, Outlook, PowerPoint, Publisher Visio
  • Quickbooks
  • NeatWorks
  • Adobe Dreamweaver, Fireworks
  • Adobe Acrobat 9 and lower