Seasoned professional with over 20+ years of experience in Third party debt collections, subprime auto financing and customer service. Skilled in negotiating solutions that retain delinquent accounts and recover losses, leading to improved recovery rates and client satisfaction. With in depth knowledge of FDCPA, FCRA, TCPA and Regulation F. Proven track record in portfolio management, loss mitigation and customer retention in fast paced regulated environments.
Work History
Staffing Recruiter
2 Months
Elwood Staffing | 12.2024 - 02.2025
Reviewed resumes and conducted interviews to ensure agents dispatched met client specifications.
Utilized social media platforms, job boards and networking events for sourcing talent in diverse industries.
Completed on boarding process for new hires and filed all personal identifying information electronically.
Senior Account Representative/Underwriter
6 Years 8 Months
Credit Concepts, Inc | 03.2018 - 11.2024
Managed delinquent subprime auto financing accounts portfolio, negotiating payment arrangements and rewriting contracts to reduce recovery and charge off.
Reviewed account histories to identify discrepancies and update records specializing in 30 to 180+ days past due contracts.
Communicated with customers regarding balances, due dates, and account status through phone and written correspondence.
Documented collection activity in account systems, ensuring accurate notes, promises to pay, and follow-up actions.
Ordered repossessions of vehicles for customers in breach of contract, and completed cancelation of aftermarket products on total loss claims.
Sr Collections Specialists
7 Years 7 Months
Krista L White & Associates | 06.2010 - 01.2018
Managed delinquent accounts, negotiated payment arrangements, and resolved balance discrepancies.
Reviewed account histories to identify recovery options and support collection strategies.
Applied FDCPA guidelines and compliance standards while coordinating closely with paralegals and attorneys.
Documented call outcomes, payment promises, and account updates in collection systems.
Education
Associate of Applied Science - Business Administration
Highline College | Seattle, WA
Skills
Skip Tracing
Credit & Collections
Negotiation & Conflict Resolution
Inbound & Outbound Calling
Portfolio Management
Accounts Receivable
Analytical & Critical Thinking
10 Key Typing
Auto Financing
Microsoft Office
Timeline
Staffing Recruiter
Elwood Staffing
12.2024 - 02.2025Read More
Senior Account Representative/Underwriter
Credit Concepts, Inc
03.2018 - 11.2024Read More
Sr Collections Specialists
Krista L White & Associates
06.2010 - 01.2018Read More
Highline College
Associate of Applied Science from Business Administration