Demestric Cavitt

Contact customers regarding past-due accounts to negotiate payment plans.

• Negotiate repayment plans by identifying causes of delinquency to facilitate debt recovery.
• Delivered exceptional customer service during collection calls, enhancing customer relations while maintaining professionalism.
• Initiated repossession processes after exhausting all collection methods to recover outstanding debts.
• Quantify debtor balances to prevent late payments and mitigate bad credit risks.
• Researched billing errors and discrepancies to implement corrective actions, ensuring accurate account management.
• Use skip tracing techniques to locate debtors efficiently.
• Maintain accurate records of customer account payments and updated balances accordingly.

• Collected payments on charged-off accounts, leveraging strategic negotiation skills to maximize recovery.
• Negotiated customized repayment plans based on individual financial situations, enhancing debtor compliance.
• Executed collections via automated dialers and manual calls to reach debtors effectively.
• Arranged future payment drafts and processed immediate transactions efficiently.
• Created and dispatched collection letters to debtors.
• Utilized skip tracing techniques to locate debtors effectively.
• Surpassed performance goals consistently through strategic efforts.
• Contributed to training programs by proposing innovative collection techniques, improving team effectiveness.

• Generated new business and negotiated contracts, enhancing customer relationships through direct engagement.
• Guided customers in understanding loan terms, empowering informed decision-making.
• Submitted loan applications to the underwriter, facilitating verification and recommendations.
• Maintained strict bank standards for loan handling and legal compliance.
• Analyzed customer profiles to recommend suitable products, enhancing customer satisfaction.
• Identified high-potential customers and crafted action plans to expand relationships and drive growth.
• Adhered to security protocols, reporting potential fraud or safety violations promptly.
• Managed and opened checking, savings, and line of credit accounts efficiently.

• Negotiated repayment plans by identifying causes of delinquency to assist in debt recovery.
• Conducted manual and automated outbound calls to facilitate debt recovery and improve customer engagement.
• Utilized skip tracing techniques to efficiently locate debtors and enhance collection efforts.
• Provided outstanding customer service during collection calls, ensuring professionalism and positive interactions.
• Processed payments accurately and applied them to customer balances.
• Researched billing errors and discrepancies to initiate corrective actions promptly.

• Processed diverse retail banking transactions for personal and commercial clients.
• Disbursed cash and checks with a focus on security and accuracy.
• Received mortgage loan and public utility bill payments, verifying accuracy of payment details.
• Cross-sold credit cards, loans, and financial products, boosting customer engagement and loyalty.
• Educated customers on banking website and mobile app functionalities, improving their self-service experience.
• Resolved telephone inquiries about checking and savings accounts, loans, and lines of credit, ensuring customer satisfaction.
• Identified sales opportunities and referred customers to branch partners in financial services.
• Completed high-volume money counts with precision using manual and automated methods.

• Resolved issues impacting sales management and business operations to enhance overall performance.
• Examined customer loan applications for approval and denial decisions.
• Completed filings to ensure compliance with regulatory agencies and supervisors.
• Maintained professional and friendly interactions with customers.
• Negotiated collections of full account balances directly with clients.
• Listened to customers to negotiate mutually beneficial solutions.
• Prepared legal documents to initiate court proceedings efficiently.
• Developed targeted repayment plans by analyzing delinquency causes, facilitating successful debt recovery.