Summary
Overview
Work History
Education
Skills
Timeline
Generic

Alexus Cummings

Euless,TX

Summary

Competent Accounts Receivable Specialist bringing 10+ years of experience handling accounts receivable functions. Exemplary skill in resolving billing disputes, providing excellent customer service and applying payments. Recognized for effective leadership with consistent achievement of objectives.

Overview

9
9
years of professional experience

Work History

Senior Collections Specialist

Fundbox (B2B)
09.2021 - Current
  • Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
  • Achieved performance goals on consistent basis.
  • Researched accounts and completed due diligence to resolve collection problems.
  • Counseled debtors on payment options and arranged installment agreements.
  • Responded to customer requests, offering excellent support and tailored recommendations to address needs.
  • Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
  • Fielded customer complaints and facilitated negotiations, resolving issues and reaching mutual conclusions.

Sr. Specialist

SANTANDER CONSUMER USA
07.2020 - 09.2021
  • Collects in accordance with all state and federal laws inclusive of Fair Debt Collection Practices Act
  • Analyzes loan history and determines the best course of action for the customer in resolving the problem permanently
  • Successfully utilizes all collection tools provided, including, but not limited to, extensions, maturity and hardship modifications, to make the best business decision for Santander Consumer USA and the customer
  • Negotiate with the customer on Auto Loan Modifications and extensions within company guidelines
  • Performs additional duties as requested, needed, or assigned
  • Determine root cause of account delinquency and offers appropriate or applicable assistance tools
  • Effectively communicates how assistance programs work and any potential impact to customer and account.
  • Identified areas in need of critical improvement and implemented strategies to achieve targets.
  • Counseled debtors on payment options and arranged installment agreements.

Loan Officer

Credit Union, Texas
10.2018 - 07.2020
  • Work on and review all negative share and checking accounts in a timely manner
  • Minimize potential losses on delinquent loans by contacting the borrowers to gather a resolution of the delinquency in accordance with department and legal guidelines
  • Review and submit loan extensions and work out negotiations on accounts that are delinquent
  • Review and Obtain all documents through docusign/onbase for all waivers and share workouts
  • Review and make any corrections to members accounts
  • Process "Skip a Pay" and due date changes upon request
  • Quote reinstatement amounts,payoffs,and set-up repayment plans
  • Very knowledgeable for process of recommending vehicles for repossessions
  • Very knowledgeable of Temenos and Accurint/Lexus Nexus/True People Search for skip tracing
  • Maintained strict confidentiality of bank records and client information.
  • Submitted loan applications to underwriter for verification and recommendations.

Customer Service Representative

Wells Fargo Dealer Services –
02.2015 - 08.2018
  • Log all, requests in a customer relationship management system and consistently record accurate data on customer accounts, and routes to the appropriate department(s) and/or personnel
  • Answers complicated customer requests or inquiries Resolves customer issues with one call resolution
  • Processed payments on account and provided payoffs to customers and or dealerships
  • Process returned mail and address changes
  • Process monthly payment’s/ provide any assistance needed for payment or account information
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.

Education

No Degree -

Tarrant County College District
Fort Worth, TX

Skills

  • Billing Practices
  • Petition Management
  • Familiarity with Locating Individuals
  • Records Management
  • Goals and Performance
  • Credit and Collections
  • Asset Protection Strategies
  • Financial Advisement

Timeline

Senior Collections Specialist

Fundbox (B2B)
09.2021 - Current

Sr. Specialist

SANTANDER CONSUMER USA
07.2020 - 09.2021

Loan Officer

Credit Union, Texas
10.2018 - 07.2020

Customer Service Representative

Wells Fargo Dealer Services –
02.2015 - 08.2018

No Degree -

Tarrant County College District

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Alexus Cummings