Summary
Overview
Work History
Education
Skills
Timeline
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DANA LOWRY

Anchorage,AK

Summary

Detail-oriented credit and collection professional with 25 years of experience in managing and analyzing credit portfolios, assessing credit risk, and implementing effective collection strategies. Skilled in conducting collections calls and emails to recover accounts receivable, sending monthly statements, and invoicing daily. Additionally, highly knowledgeable in repossession and skip tracing. Proficient in utilizing Salesforce for enhancing data management, streamlining workflow, and improving customer relationship management. Demonstrated success in reducing delinquency rates and improving cash flow through data-driven insights and strategic account management.

Overview

26
26
years of professional experience

Work History

AREA CREDIT COORDINATOR

US FOODS
11.2020 - Current
  • Responsible for gathering financial and other credit information to be used in risk analysis to develop credit limits for potential customers and assigned portfolios
  • Make credit decisions and establish payment terms within assigned authorities per Corporate Credit Policy Matrix; collects on large, complex delinquent accounts and maintaining portfolio for analysis, accuracy, and deadlines; negotiate policy compliant payment schedules as necessary
  • Prepares annual credit reviews/write-ups and recommends credit limits in accordance with the Corporate Credit Policy
  • Assist and be responsible for customer set up function for assigned portfolio
  • Establishes and maintains communication with Sellers and/or USF customer within assigned portfolio to ensure expeditious collections with rapid resolution of past due accounts
  • Accurately reports on status of all accounts to Sellers and/or Manager/Supervisor as required; follow protocol for courtesy and demand letters as necessary to effect proper collection
  • Monitors and controls customer account applications/set ups for ownership linkage ensuring national or local account exposures are linked with the same ownership ID for aggregation purposes
  • Prepares uncollectible account files for submission to USF Third Party Collections; codes accounts for write-off; handle collection agency/attorney inquiries and escalates items to manager as needed
  • Monitors open accounts receivable for terms compliance, ensures skipped or short paid invoices, credit memos, and unapplied cash are addressed timely
  • Taking 15 to 30 incoming calls daily. Manage about 150 emails daily

COLLECTIONS

CORRIGAN OIL
07.2019 - 07.2020
  • Respond to member inquiries regarding past due, delinquent, and collection accounts
  • Review delinquent account records to determine which members need to be contacted for past due account balance
  • Prepare disconnects for non-payments
  • Maintain deferred payment arrangements
  • Maintain detailed collection notes on active/inactive accounts
  • Process payments
  • Assist Supervisor with projects as needed
  • Initiate outbound collection calls and take incoming calls
  • Manage 30 or more incoming calls and 150 to 200 emails daily

Credit and Collections Analyst

LOWRY SOLUTIONS
01.2018 - 06.2019
  • Utilize phone calls, emails, and written correspondence to collect outstanding debts
  • Review and analyze accounts receivable aging reports to prioritize collections activities
  • Maintain accurate and detailed records of all collection activities and customer interactions
  • Provide excellent customer service while resolving billing issues and disputes
  • Monitor payment agreements and follow up with customers to ensure compliance
  • Report on collection activity and account statuses to management regularly
  • Manage a high volume of inbound calls daily. Average calls a day 40 to 50.
  • Manage high volume of emails daily

COLLECTOR

PROFESSIONAL BUSINESS BUREAU
09.2017 - 12.2017
  • Locate individuals that have skip out on the bail bonds
  • Collect money owed and recover property for the sheriff department
  • Set up payments if needed

COLLECTIONS

ADVANCED MEDICAL SOLUTIONS
09.2016 - 06.2017
  • Help recover company's medical equipment that was not being paid for by insurance or the patient
  • Send monthly statements to patients and set up payment plans
  • Communicate with insurance companies when there were disputes

Debit Collector and Auto Repossion

CREDIT UNION
09.2015 - 12.2015
  • Contact members with delinquent accounts via phone calls, emails, and letters to discuss overdue payments and negotiate payment arrangements, on their auto, personal, checking account or credit cards
  • Maintain a professional and empathetic approach while assisting members in financial difficulties, ensuring compliance with all legal and regulatory requirements, including the Fair Debt Collection Practices Act (FDCPA)
  • Review and analyze delinquent accounts using aging reports and credit bureau data to prioritize collection efforts and determine appropriate actions
  • Placing accounts out for repossession according to the location of the asset.
  • Worked in call center environment handling manual and automatically dialed outbound calls.
  • Counseled debtors on payment options and arranged installment agreements.
  • Utilize online skip tracing systems or other resources to acquire information needed to establish contact or successful repossessions.
  • Collaborate with internal departments, such as Loan Officers and Member Services, to coordinate efforts in resolving member accounts and ensuring consistent communication
  • Handled account that were to be repossessed, or in bankruptcy or were submitted for legal action
  • Handle deceased accounts by filing claims against the Estate when needed
  • Maintained accurate records of all collection activity, updating account information as necessary to ensure proper documentation.
  • Handle CPI claims, impounds, voluntary repossessions
  • Working in a team environment

COLLECTIONS

D&S LTD
09.2006 - 03.2007
  • Commercial and business debt collections
  • Help collect debt by outbound calls and setting up payments plans
  • Skip trace when needed to locate the debtors and help resolve delinquency
  • Processed payments and applied to customer balances.
  • Negotiated to collect balance in full.
  • Built rapport with customers by demonstrating understanding of their situation while seeking fair resolutions.
  • Increased productivity levels through efficient time management and prioritization of daily tasks.
  • Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
  • Complied with fair debt practices and regulatory guidelines and kept current with changing regulations.

Collection Representative

ALASKA USA FCU
09.2006 - 03.2007
  • Contact members with delinquent accounts via phone calls, emails, and letters to discuss overdue payments and negotiate payment arrangements, on their auto, personal, checking account or credit cards
  • Maintain a professional and empathetic approach while assisting members in financial difficulties, ensuring compliance with all legal and regulatory requirements, including the Fair Debt Collection Practices Act (FDCPA)
  • Review and analyze delinquent accounts using aging reports and credit bureau data to prioritize collection efforts and determine appropriate actions
  • Document all collection activities, member interactions, and payment agreements accurately in the credit union's systems
  • Collaborate with internal departments, such as Loan Officers and Member Services, to coordinate efforts in resolving member accounts and ensuring consistent communication
  • Handled account that were to be repossessed, or in bankruptcy or were submitted for legal action
  • Handle deceased accounts by filing claims against the Estate when needed

COLLECTIONS

AMERCREDIT
04.1999 - 08.2003
  • Contact customers with delinquent accounts via phone calls, emails, and letters to discuss overdue payments and negotiate payment arrangements, on their auto loans
  • Maintain a professional and empathetic approach while assisting customers in financial difficulties, ensuring compliance with all legal and regulatory requirements, including the Fair Debt Collection Practices Act (FDCPA)
  • Review and analyze delinquent accounts using aging reports and credit bureau data to prioritize collection efforts and determine appropriate actions
  • Document all collection activities, member interactions, and payment agreements accurately in the system
  • Place accounts for legal, or repossession
  • Utilize online skip tracing systems or other resources to acquire information needed to establish contact or successful repossessions recovering collateral assets.
  • Works a queue of loans assigned for repossession and processes all required paperwork as needed

COLLECTIONS

HSBC
04.1999 - 08.2003
  • Collect on past due auto loans
  • Locate and establishing contact with customer for payment or for the collateral by skip tracing
  • Maintain accurate records of repossession activities, including communications with borrowers, recovery agents, and legal entities
  • Help reduce delinquency by outbound and inbound calls
  • Manage the repossession process for delinquent accounts, primarily vehicles, ensuring timely and lawful recovery of collateral
  • Negotiate with borrowers to facilitate voluntary surrenders and payment arrangements to avoid repossession when feasible
  • Provide professional and empathetic customer service to borrowers during the repossession process, addressing concerns and explaining options
  • Streamlined operations and prioritized tasks, allowing senior staff to increase revenue by 25%
  • Manage inbound and outbound calls daily with average of 50 calls daily

Education

High School Diploma -

DANSVILLE HIGH SCHOOL
Dansville, MI
05.1990

Skills

  • Basic Accounting
  • Salesforce knowledge
  • Commercial and Residential collections
  • Processing Payments
  • Customer Service
  • Skip Tracing
  • Customer follow-up
  • Debt recovery
  • Payment Negotiations
  • Reporting and analysis
  • Invoice Processing
  • Credit analysis
  • Credit Line Determination
  • Credit Application Review

Timeline

AREA CREDIT COORDINATOR

US FOODS
11.2020 - Current

COLLECTIONS

CORRIGAN OIL
07.2019 - 07.2020

Credit and Collections Analyst

LOWRY SOLUTIONS
01.2018 - 06.2019

COLLECTOR

PROFESSIONAL BUSINESS BUREAU
09.2017 - 12.2017

COLLECTIONS

ADVANCED MEDICAL SOLUTIONS
09.2016 - 06.2017

Debit Collector and Auto Repossion

CREDIT UNION
09.2015 - 12.2015

COLLECTIONS

D&S LTD
09.2006 - 03.2007

Collection Representative

ALASKA USA FCU
09.2006 - 03.2007

COLLECTIONS

AMERCREDIT
04.1999 - 08.2003

COLLECTIONS

HSBC
04.1999 - 08.2003

High School Diploma -

DANSVILLE HIGH SCHOOL

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