Clara Cruz
Pinellas Park
Summary
Confident, competitive and dedicated individual with over 27 years collection experience and numerous awards ready for a challenge and looking to be your next top collector. Accomplished and energetic Collector with a solid history of achievement in Collections. Motivated leader with strong organizational and prioritization abilities.
Overview
27
27
years of professional experience
Work History
Collector
JPMorgan Chase
07.2016 - Current
- Persistently reached out to customers with extremely past due accounts to recover lost revenue.
- Maintained high volume of calls and met demands of busy and productive group.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Contacted customers to discuss payment schedules and set up or immediately process payments.
Collector
Car Today Usa
03.2015 - 08.2015
- Advise customers of necessary actions and strategies for debt repayment.
- Locate and monitor overdue accounts, using computers and a variety of automated systems.
- Answer customer questions regarding problems with their accounts.
- Record information about financial status of customers and status of collection efforts.
- Contact insurance companies to check on status of claims payments and write appeal letters for denial on claims.
- Verify and examine information and accuracy of loan application and closing documents.
- Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.
- Answer questions and advise customers regarding loans and transactions.
- Present loan and repayment schedules to customers.
- File and maintain loan records.
- Accept payment on accounts.
- Review customer accounts in order to determine whether payments are made on time and that other loan terms are being followed.
Sr. Collector
Mid-Atlantic Finance
05.2012 - 02.2015
- Help a client avoid credit damage.
- Negotiate payment plans to resolve delinquencies.
- Support your team in achieving their monthly targets.
- Challenge yourself to go one better for clients and raise the bar for excellence in customer service.
- Skip-trace to find and collect on delinquent accounts
- Reviewed collection reports to determine the status of collections and the amounts of outstanding balances.
House Dealership Collector
Drive Time
10.1998 - 12.2011
- Provided an elevated customer experience to generate a loyal client tele.
- Provide an initial point of contact for customers who are delinquent or who are facing a personal situation resulting in delinquency.
- Provide an excellent level of customer service and responsible for building a good relationship with customers when they enter the office or via the phone.
- Contact customers at all stages of delinquency, with a focus on accounts 1-210 days past due, in an effort to negotiate payment arrangements.
- Help customers who attempt to voluntarily surrender their vehicle to keep their vehicle while maintaining loan payment arrangements.
- Meet and exceed production goals such as; call volume, dollars collected and completion of customer "meet and greets".
Education
High School Diploma - Financial
Ross High School
Brentwood, NY06.1981
Skills
- Financial reporting
- Billing and collections expert
- Account reconciliations
- Superior attention to detail
- MS Office expert
- Customer service
- Skilled in call center operations
- Creative problem solver
- Strong client relations
- Quick leaner
- Exceptional organization
- Effective time management
- Calm under pressure
- Team leadership skills
- Verbal communication skills
- Issue resolution
- Computer proficient
- Judgment and Decision Making
- Collections regulatory guidelines
- Fair debt practices
- Repayment plan structuring
- Account reviews
- Delinquent account management
Languages
Spanish
Awards
You make a difference award, Collector of the year 2013, Collector of the Month, Mid Atlantic Finance June 2013, Collector of the Month, Mid Atlantic Finance July 2013, Collector of the Month, Mid Atlantic Finance May 2011, Completed collection calls Workshop September 1999, Completed FDCPA, FCRA & State Laws Workshop 1999, Employee of the Month, Fala Direct 1986, Shinning Star 1990 Employee of the year.
Timeline
Collector
JPMorgan Chase
07.2016 - Current
Collector
Car Today Usa
03.2015 - 08.2015
Sr. Collector
Mid-Atlantic Finance
05.2012 - 02.2015
House Dealership Collector
Drive Time
10.1998 - 12.2011
High School Diploma - Financial
Ross High School
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