Angela Reed
Chesapeake,VA
Summary
Skilled Collections Agent with expertise in collections and success in improving accounts receivable functions and performance. Successful in applying recovery strategies and negotiating with account holders to cut outstanding debts and aged accounts. Excited to bring talent to team offering opportunities for growth advancement.
Overview
24
24
years of professional experience
Work History
Collections Agent
Northern Star Credit Union
11.2020 - Current
- Built rapport with customers by demonstrating understanding of their situation while seeking fair resolutions.
- Processed payments and applied to customer balances.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Prepared and submitted legal documents to initiate court proceedings.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Entered client details and notes into system for interdepartmental access and review.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
Teller
Northern Star Credit Union
02.2009 - Current
- Improved customer satisfaction by providing efficient and accurate transaction processing.
- Enhanced branch security through vigilant monitoring of suspicious activities and timely reporting to supervisors.
- Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
- Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
- Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Collaborated effectively with other departments as needed to resolve outstanding issues or complete complex tasks for customers.
- Processed customer transactions promptly, minimizing wait times.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Educated customers on online banking and mobile banking applications.
- Counted, verified and handled bank deposits and armored car transactions.
- Assisted customers with banking needs and inquiries.
- Maintained friendly and professional customer interactions.
- Maintained accurate records of customer transactions in line with bank procedures.
- Handled various accounting transactions.
- Referred customers to other banking departments for specialized services.
Loan Officer Assistant
Northern Star Credit Union
09.2011 - 11.2020
- Increased loan application efficiency by streamlining documentation and verification processes.
- Assisted underwriters in determining loan eligibility for improved approval rates and client satisfaction.
- Managed customer relations, ensuring timely communication of loan status updates for increased client retention.
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Reduced processing time by maintaining an organized system for tracking outstanding documents and followups.
- Provided comprehensive administrative support to Loan Officers so they could focus on building relationships with clients and generating new business opportunities.
- Set up files using loan officer checklist and submitted on-time for processing.
- Communicated with customers daily to request information and complete paperwork.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Reviewed and validated details of loan applications and closing documentation.
Cashier
Seven Eleven Stores
11.1999 - 02.2007
- Enhanced customer satisfaction by providing efficient and accurate cash transactions.
- Streamlined checkout process for increased efficiency and reduced waiting times.
- Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
- Assisted customers with inquiries and provided exceptional service, resulting in positive feedback from shoppers.
- Collaborated with team members to achieve sales targets and maintain a clean, well-stocked store environment.
- Handled multiple payment methods securely, minimizing discrepancies and potential losses.
- Resolved customer complaints professionally, leading to improved customer relations and loyalty.
- Exceeded productivity goals through consistent attention to detail and organization during busy shifts.
- Promoted store promotions and incentive programs to increase overall sales revenue.
- Prevented loss by vigilantly monitoring potential theft or fraud situations instore.
- Managed inventory levels effectively, reducing stock shortages and minimizing wastage.
- Mentored new employees on cashier duties and best practices, improving overall staff performance.
- Improved transaction speed without sacrificing accuracy by staying up-to-date on product pricing changes.
- Greeted customers entering store and responded promptly to customer needs.
- Built relationships with customers to encourage repeat business.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
- Welcomed customers and helped determine their needs.
- Restocked and organized merchandise in front lanes.
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
Education
High School Diploma -
Elkins High School
Elkins, WV06.1984
Skills
- Repayment Plan Structuring
- Collections Processing
- Fair Debt Practices
- Credit Adjustments
Timeline
Collections Agent
Northern Star Credit Union
11.2020 - Current
Loan Officer Assistant
Northern Star Credit Union
09.2011 - 11.2020
Teller
Northern Star Credit Union
02.2009 - Current
Cashier
Seven Eleven Stores
11.1999 - 02.2007
High School Diploma -
Elkins High School
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