Destinez Charles
Greenacres
Summary
Experienced and goal-oriented financial services professional with over a decade of expertise across banking, credit, collections, and real estate. Adept at taking mortgage loan applications, conducting preliminary underwriting reviews, and submitting applications for processing and approval. Known for thorough follow-up and timely collection of documentation for underwriting and closing. Strong background in sales, customer service, and regulatory compliance.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Credit and Collections Specialist
American Express
Sunrise, FL
07.2022 - Current
- Conduct financial risk analysis to determine creditworthiness and recommend account actions.
- Take and process credit-related inquiries, ensuring complete and accurate documentation.
- Negotiate payment plans and financial resolutions, contributing to portfolio recovery.
- Communicate with clients regarding credit options and required documents.
- Collaborate with internal teams to ensure timely resolution and compliance with policies.
Senior Client Advocate (Fraud Services)
TTEC (Bank of America)
Remote
04.2020 - Current
- Serve as a subject matter expert for financial fraud resolution and client account integrity.
- Handle escalated service cases, ensuring timely communication and issue resolution.
- Educate clients on fraud protection and account security measures.
- Document client interactions and follow up on necessary verifications or compliance steps.
- Support internal training and process improvements for more effective client advocacy.
Medical Collections Specialist
United Billing Solutions
West Palm Beach, FL
11.2019 - 02.2020
- Performed insurance billing follow-ups to resolve outstanding claims and expedite payments.
- Coordinated with patients and insurance companies to resolve billing discrepancies.
- Maintained complete documentation and ensured timely processing of claims and appeals.
- Provided clear communication regarding outstanding balances and payment plans.
- Navigated billing systems to retrieve and manage necessary documents efficiently.
Sales Consultant
Palm Beach Toyota
West Palm Beach, FL
05.2018 - 02.2019
- Assisted clients in identifying vehicle and financing options aligned with their needs and credit profiles.
- Took client applications and worked with finance departments to secure approvals.
- Maintained accurate records and ensured timely submission of required sales documentation.
- Delivered high levels of service and follow-up to maintain referrals and repeat business.
- Helped facilitate a smooth end-to-end buying experience, including documentation and delivery.
Real Estate Agent
Exit Realty Premier Elite
Lake Worth, FL
01.2017 - 05.2018
- Advised clients throughout the home buying process, from application to closing.
- Conducted market analyses and guided clients on pricing and financing strategy.
- Prepared and reviewed real estate documentation, including contracts and disclosures.
- Followed up to ensure all documentation and escrow requirements were fulfilled on time.
- Built long-term relationships resulting in a strong base of repeat and referral business.
Personal Banker I
Wells Fargo Bank
West Palm Beach, FL
02.2011 - 10.2016
- Originated and processed personal, business, and home loans in compliance with internal lending standards.
- Conducted thorough reviews of loan applications and gathered documentation for underwriting.
- Partnered with clients to identify financial needs and present appropriate product solutions.
- Followed up with clients to secure pending documentation and ensure timely loan closure.
- Built lasting community connections through financial seminars and outreach events.
Education
Associate of Arts - Business
Palm Beach State College
Lake Worth, FL12.2011
High School Diploma - undefined
South Tech Academy
Boynton Beach, FL06.2006
Skills
- Microsoft Office Suite (Excel, Word, Outlook)
- CRM Systems
- EMR and Billing Software
- Strong analytical skills
- Credit analysis proficiency
- Debt recovery expertise
- Credit analysis
- Portfolio management
- Collection strategies
- Analytical thinking
- Conflict resolution
- Negotiation techniques
Certification
- Florida Real Estate License
- NMLS Registration (In Progress)
Timeline
Credit and Collections Specialist
American Express
07.2022 - Current
Senior Client Advocate (Fraud Services)
TTEC (Bank of America)
04.2020 - Current
Medical Collections Specialist
United Billing Solutions
11.2019 - 02.2020
Sales Consultant
Palm Beach Toyota
05.2018 - 02.2019
Real Estate Agent
Exit Realty Premier Elite
01.2017 - 05.2018
Personal Banker I
Wells Fargo Bank
02.2011 - 10.2016
High School Diploma - undefined
South Tech Academy
Associate of Arts - Business
Palm Beach State College
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