Ayanna Smiley
Sandy Springs,GA
Summary
“Opportunity is missed by most people because it is dressed in overalls and looks like work.” – Thomas Edison
Overview
23
23
years of professional experience
Work History
Quikrete Credit & Collections
01.2022 - Current
- Responsible for overall invoicing, collection and cash application activities and timely management of all AR aging components
- Liens / Bond Specialist responsible for placing documentation for filing Liens/Bonds based on states within regulatory deadlines.
Toyota Financial Services - Fraud Analyst
10.2020 - 01.2022
- Specializes in researching and analyzing customer account activity, identifying irregular patterns, recognizing potential cases of fraud and to prevent future fraud
- Analyze data, thorough investigations and inquiries, from multiple sources to identify discrepancies.
Mortgage Loan Processor
Infosys / Truist Bank
07.2020 - 09.2020
- Review and analysis of transactions processed for sensitive and/or complex customer relationships for commercial loan products
- Processed Conventional, VA, FHA refinances (conforming and nonconforming)
- Identifying inaccurate, incomplete or missing information on the transactions submitted for approval
- In some cases, performing research, collecting additional data, and verifying the accuracy of the information provided
- Participating in projects and working groups as needed
- Exercising judgement, discretion, and Prioritization
- Understanding the following Bank Policy and established procedures
- Meeting or exceeding established Service Level Agreement.
Collections Representative
Renew Financial
09.2019 - 12.2019
- Inbound and outbound calling, making payment arrangements for the customers and postdating payments
- And assisting with payoff letters and addendum
- Collecting on past due delinquent accounts.
Assistant Manager
Forever 21
09.2017 - 08.2018
- Actively participate in store walkthroughs with the My Store Manager and District leaders to ensure consistency in the quality of service, operation and visual execution
- Lead overall store earnings by driving top line sales and managing controllable contribution
- This includes educating Associates on ways to drive sales through promoting service standards, product knowledge, etc
- Support daily merchandising, floor set planning and execution, replenishment, launches, updates, planning and execution, shipment, zero selling reports, loss prevention, and service
- Monitor daily payroll planner, adjust schedules accordingly, and complete register audits as necessary
- Ensure all delivery information is accurately reported to verify all shipment-related paperwork meets audit requirements
- Identify and execute training decisions to maximize business opportunities per the company strategy
- Follow up closely with the Store Manager daily for any current or upcoming open position
- Assist the Store Manager with ensuring that talent management is achieved
- This includes recruiting, onboarding, networking, new hire documents, training, engagement, retention, and recognition initiatives for the store
- Train, coach and direct Associates on merchandise handling, shipment processing, merchandise presentation, and visual techniques as needed
- Communicate training assessments with corporate organizations and utilize the development and implementation of training courses
- This includes identifying and arranging suitable training solutions for employees
- Collaborate and help execute with the leadership team to make product placement adjustments based on selling, inventory ownership, store design type, assortment levels, and merchandising report Job
Comcast Commercial, Rep 2, Credit & Account Services – Commercial
03.2014 - 09.2017
- Contacts customers with delinquent accounts and attempts to determine reason for overdue payment
- Arranges for debt repayment or establishes repayment schedule based on customers' financial situation
- Receives payments and posts amounts paid to customer accounts
- Issues daily reports on the status of delinquent accounts and tracks collection efforts
- Performs various administrative functions for assigned accounts, such as recording address changes and purging the records of deceased customers
- Keeps up to date on applicable state and federal laws regulating collection activities
- Handles bankruptcy programs
- Processes and schedules soft no-pays
- Issues workflows from customer service or agency issues
- Updates collection agency to remove accounts.
BANK OF AMERICA HOME Loans
08.2012 - 09.2013
- Reviewing and analyzing information and documents submitted by homeowners unable to make their mortgage payments and consult policies for ensuring compliance with requirements of mortgage investors, mortgage insurers, government programs and their employers
- Reviewing homeowners account and determining if they qualify for a modification and advising them on the documents needed, they qualify
- Reviewing delinquent mortgage loans and identifying potential solutions for avoiding foreclosure including Communication with multiple entities to find appropriate solutions for each case
- Reception of disposition referrals and subsequent analysis to determine that all alternatives to allow ownership retention to have been exhausted
- Executing requests for credit-check, title, BPO (appraisal), flood certification, and impounds taxes and insurance, and other items to round out documentation needs for loan modification applications
- Completing the loan modification application
- Conveying need for additional information to the customers for additional information, documents needed for underwriting
- Calculating income, documents submitted, auditing documents and submitting to underwriting department.
JP Morgan Chase EMC
05.2010 - 08.2012
- Correspond directly with customers, brokers, title companies, and attorneys to facilitate delinquency resolutions through liquidation processes and procedures
- Provide consultations and collection efforts as needed to avoid foreclosure
- Analyze borrower’s request for assistance based on the borrower’s intent to liquidate property
- Collect and thoroughly analyze borrowers’ documents to ensure a successful review for liquation workout option
- Process financial information provided by borrowers, such as documents and detailed financials
- Handled inbound and outbound calls.
Wachovia Bank
01.2001 - 05.2010
- Assisted the Financial Service Manager with customer situations, such as refinancing of cars and mortgages, potential fraud cases, opening and closing accounts, and weekly audits and compliances
- Contacted and provided personal financial services to clients with more lucrative accounts
- Contacted customers with delinquent accounts by phone and/or mail to attempt to resolve the issue
- Document attempts to contact customer into database and record financial status to achieved customers
- Process financial information provided by borrowers and/or perspective customers, such as documents and detailed financials to determine borrower’s creditworthiness
- Handled inbound and outbound calls
- Assist management with special financial projects as assigned.
Education
General Studies -
Lithonia High School
Lithonia, Georgia01.1994
Skills
- Customer service
- Data Research / Analytics
- MS Office, Visio, SharePoint, Oracle, SAP
- Project Management
- Cash Management
- Training & Mentoring
- Production Management
- Excel Expert
- Compliance Monitoring
- Fraud Detection & Prevention
- Organization, Communication, & Presentation Skills
- VBA (Visual Basic) / Macros
Apt
Apt J-3
Timeline
Quikrete Credit & Collections
01.2022 - Current
Toyota Financial Services - Fraud Analyst
10.2020 - 01.2022
Mortgage Loan Processor
Infosys / Truist Bank
07.2020 - 09.2020
Collections Representative
Renew Financial
09.2019 - 12.2019
Assistant Manager
Forever 21
09.2017 - 08.2018
Comcast Commercial, Rep 2, Credit & Account Services – Commercial
03.2014 - 09.2017
BANK OF AMERICA HOME Loans
08.2012 - 09.2013
JP Morgan Chase EMC
05.2010 - 08.2012
Wachovia Bank
01.2001 - 05.2010
General Studies -
Lithonia High School