Colette Keeney
Summary
.
Experienced Collections Specialist bringing over 15 years of success in loss recovery, sales and service positions. Eager to take on a new role with long-term growth and advancement potential. Dynamic problem solver with first-rate skills in building relationships and resolving problems.
Overview
18
18
years of professional experience
Work History
Senior Professional Collections Specialist
LCS Financial Services Corp
08.2022 - Current
- Manage diverse portfolio of 1st- and 3rd-party debt (mortgage, auto, student, medical, personal, business loans).
- Use multi-channel outreach to negotiate settlements and build repayment plans.
- Consistently exceed KPIs; awarded Employee of the 1st Quarter, 2025.
Sr. Representative - Recovery & Reinstatements
Santander Consumer USA
02.2021 - 12.2021
- Oversaw charged-off collateral accounts, negotiated settlements, and facilitated reinstatements.
- Utilized advanced skip tracing tools to locate assets; partnered with repossession vendors.
- Collected over $400K/month-exceeding targets by 200%.
Sr. Representative - Deficiency
Santander Consumer USA
05.2016 - 02.2021
- Recovered $7M+ from charged-off accounts via settlements and structured plans.
- Ranked #1 among 25 agents for 10 of 12 months; named Employee of the Year, 2019.
- Contributed process improvement ideas through 'Ideas Into Action' program.
- Trained and mentored new representatives.
Customer Service Representative
Santander Consumer USA
02.2013 - 04.2016
- Handled 100+ daily customer calls related to auto loan servicing.
- Recognized monthly for 'Compliment Calls' and superior client interactions.
Account Manager - Back-End Collections
Santander Consumer USA
08.2011 - 02.2013
- Managed past-due portfolios (1-120+ days delinquent); negotiated extensions, reductions, and repayment plans.
- Supported skip tracing and coordinated with vendors for repossession actions.
Account Manager - Front-End Collections
Santander Consumer USA
09.2010 - 08.2011
- Managed past-due portfolios (1-120+ days delinquent); negotiated extensions, reductions, and repayment plans.
- Supported skip tracing and coordinated with vendors for repossession actions.
Account Manager
Citi Financial Auto
04.2007 - 09.2010
- Serviced and collected on auto loan accounts.
- Promoted to manage a remote portfolio based on performance and reliability.
Education
High School Diploma -
HHS
Harrison, MISkills
- Account Management
- Collections & Recovery
- Loss Mitigation & Risk Control
- Customer Service & Retention
- Negotiation & Conflict Resolution
- Quality Assurance
- Team Leadership & Training
- Time Management & Multi-tasking
- Call Center Operations
- CRM & Dialer Systems (Manual & Automated)
Timeline
Senior Professional Collections Specialist
LCS Financial Services Corp
08.2022 - Current
Sr. Representative - Recovery & Reinstatements
Santander Consumer USA
02.2021 - 12.2021
Sr. Representative - Deficiency
Santander Consumer USA
05.2016 - 02.2021
Customer Service Representative
Santander Consumer USA
02.2013 - 04.2016
Account Manager - Back-End Collections
Santander Consumer USA
08.2011 - 02.2013
Account Manager - Front-End Collections
Santander Consumer USA
09.2010 - 08.2011
Account Manager
Citi Financial Auto
04.2007 - 09.2010
High School Diploma -
HHS
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