BLANCA A. MERCADO
Milwaukee,WI
Summary
Collection Agent with more than 15 years' of experience in debt collections and skip tracing. Expert listening and negotiating skills. Goal orientated bilingual individual with strong analytical and critical skills. Bilingual in reading and writing. Excellent interpersonal, communication and organizational skills. Time Management - ability to handle multiple priorities, meet deadlines and effectively manage through change and shifting priorities. Business process and procedure knowledge - Card and retail, Effectively coach and drive skills.
Overview
12
12
years of professional experience
Work History
Accounts Receivable Manager
Fathom Manucturing LLC
11.2023 - 07.2024
- Maintained accurate financial records by regularly reconciling accounts receivable ledgers.
- Ensured timely payments from clients through effective communication and proactive followups.
- Verified discrepancies and resolved clients' billing issues
- Analyzed aging reports and provided recommendations for improving collections efforts.
- Developed and maintained strong client relationships, fostering trust and open communication.
- Provided exceptional customer service by addressing client inquiries promptly and professionally.
- Negotiated payment terms with clients to facilitate mutually beneficial agreements while maintaining company profitability goals.
Collections Specialist II
CHASE BANK
01.2021 - 08.2023
- Advise customers of necessary actions and strategies for debt repayment
- Show empathy to customers going through financial hardship
- Resolve account issues on a first call resolution good account recognition able to place customers on payment plans if and when needed
- Provide excellent customer service and resolution to customer queries within set standards
- Research and correct misapplied and/or unidentified payments.
Loss Prevention Bilingual Collector
CONSUMER PORTFOLIO SERVICES
03.2018 - 01.2021
- Keep track of assigned accounts to identify outstanding debts and plan course of action to recover outstanding payments
- Locate and contact debtors to inquire of their payment status and negotiate payoff deadlines or payment plans
- Handle questions or complaints and investigate and resolve discrepancies
- Proficient with skip tracing tools to locate non-responsive debtors: Accurint, Trans Union, Lexis Nexis and TLO.
Bilingual Credit Advisor
SAFCO
08.2012 - 03.2017
- Research accounts starting at 31 days past due to 120 days past due
- Documented all collection attempts accurately and truthfully
- Consistently ranked in the top 10 percent of collection agents
- Flourished in a high volume fast paced environment
- Evaluated accounts and recommended appropriate action throughout the collection cycle.
Education
High School Diploma -
South Division High School
Milwaukee, WI08.1993
Skills
- Collections expertise
- Financial records and reporting
- Transaction Processing
- Cash Management
- Payment Negotiations
- Collections experience
Additionalinformation
Windows, Microsoft Office Suite, TLO, Accurint, Trans Union, Lexis Nexis
Awards
- Goal incentive reward
- Great Performance
Timeline
Accounts Receivable Manager
Fathom Manucturing LLC
11.2023 - 07.2024
Collections Specialist II
CHASE BANK
01.2021 - 08.2023
Loss Prevention Bilingual Collector
CONSUMER PORTFOLIO SERVICES
03.2018 - 01.2021
Bilingual Credit Advisor
SAFCO
08.2012 - 03.2017
High School Diploma -
South Division High School
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