Carma Mckoy
Smyrna,GA
Summary
Results-driven Accounts Receivable and Collections Specialist experienced in managing commercial and consumer collections, customer account resolution, and payment negotiations. Achieved reductions in delinquent balances and improved cash flow through effective dispute resolution and process streamlining. Focused on delivering financial stability and compliance while exceeding collection goals.
Overview
21
21
years of professional experience
2
2
years of post-secondary education
Work History
Remote Sr. Accounts Receivable Specialist
TKE
Marietta, USA
08.2019 - Current
- Managed commercial accounts receivable portfolio, performing collection activities to reduce aging balances and enhance cash flow.
- Managed customer invoicing processes to ensure timely payments and accurate records.
- Negotiate payment resolutions, maintain detailed account records, and resolve billing issues.
- Reconciled accounts to maintain up-to-date financial information and resolve discrepancies.
- Analyzed aging reports to identify overdue accounts and initiate collection efforts.
- Review contracts, AIA documents, lien waivers, insurance certificates, and project documentation to ensure compliance with payment terms.
- Process mechanic's liens and payment/performance bond documentation.
- Trained junior staff on best practices for accounts receivable tasks and software usage.
Collection Specialist
FIRST INVESTORS FINANCIAL SERVICES
Atlanta, USA
10.2008 - 06.2019
- Managed 100+ inbound and outbound collection calls daily while consistently meeting performance goals.
- Negotiated payment arrangements on delinquent auto loan accounts and resolved accounts up to 120+ days past due.
- Utilized Accurint, TLO, and credit bureau resources for skip tracing and collateral recovery.
- Resolved escalated customer concerns while maintaining compliance with FDCPA and company policies.
Medical Billing & Collections Specialist
RECEIVABLE RECOVERY SOLUTIONS
Atlanta, USA
01.2005 - 01.2008
- Managed insurance and patient receivables, appeals, denials, and payment recovery efforts to ensure timely collection.
- Negotiated payment arrangements and resolved billing discrepancies to enhance customer satisfaction and reduce outstanding balances.
- Maintained compliance in handling sensitive financial and medical information to protect patient confidentiality.
Education
Associate Degree - Computer Information Systems
High Tech Institute
Marietta, GA 08.2002 - 08.2004
Skills
- Accounts Receivable Analysis
- Billing & Invoicing
- Cash Application
- Invoice processing
- Commercial Collections
- Payment Negotiations
- Debt recovery tools
- Account Reconciliation
- Contract Review
- Legal Compliance
- Microsoft Office Suite
- Problem Solving
- Attention to detail
- Effective communication
- Customer Service
- Remote Work
Websites
Timeline
Remote Sr. Accounts Receivable Specialist
TKE
08.2019 - Current
Collection Specialist
FIRST INVESTORS FINANCIAL SERVICES
10.2008 - 06.2019
Medical Billing & Collections Specialist
RECEIVABLE RECOVERY SOLUTIONS
01.2005 - 01.2008
Associate Degree - Computer Information Systems
High Tech Institute
08.2002 - 08.2004