DesiRay Galaviz
Floresville
Summary
Dynamic credit and collections professional with proven expertise at AT&T, excelling in collections management and customer service excellence. Skilled in credit assessment and analytical thinking, I effectively resolved discrepancies and enhanced client retention, ensuring timely payments and seamless account management. Committed to delivering exceptional results in fast-paced environments.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Credit and Collections
AT&T
San Antonio
10.2012 - 06.2024
- Executed quoting adjustments and balances as part of collection activities.
- Obtained and assessed customer credit information to determine credit extensions.
- Monitored accounts for timely payments to mitigate service disruptions.
- Resolved discrepancies through thorough reconciliation of payments and billing issues.
- Facilitated communication with departments to relay essential customer account information.
- Handled lost or misapplied payments, ensuring accurate resolution of customer concerns.
- Conducted inbound and outbound calls for collections on residential and business accounts.
- Provided comprehensive explanations of bills and invoices to enhance customer understanding.
Education
Completion of 20 Hour SAFE Comprehensive: Mortgage Loan Originator Fundamentals course -
Champions School of Real Estate
San Antonio10.2024
Completion of 3 Hour TX SML SAFE: Texas Law and Practice -
Champions School of Real Estate
San Antonio, TX10.2024
High school diploma -
East Central High School
San Antonio, TX06-2002
Skills
- Collections management
- Customer service excellence
- Analytical thinking
- Problem solving
- Decision making
- Mathematics proficiency
- Credit assessment
- Team collaboration
- Multitasking ability
- Credit verification processes
- Call center operations
- Self-motivation
- Verbal communication skills
- Written communication skills
- Confidentiality practices
- Computer proficiency
- Microsoft Office suite
- Customer relationship management (CRM)
- Accounting software knowledge
- Billing processes
- Invoice management
- Banking operations experience
- Loan document preparation skills
- Cash handling expertise
- Regulatory compliance
- Client retention
- Licensed insurance agent
Certification
- Property and Casualty Insurance License in the states CT, VT, DE, FL, KT, LA, NH, NM, NC, SC, OK, RI, TX, VT, and WY
Timeline
Credit and Collections
AT&T
10.2012 - 06.2024
Completion of 20 Hour SAFE Comprehensive: Mortgage Loan Originator Fundamentals course -
Champions School of Real Estate
Completion of 3 Hour TX SML SAFE: Texas Law and Practice -
Champions School of Real Estate
High school diploma -
East Central High School
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