Earma Hartman
Summary
Results-oriented Debt Collector with 20 years of experience. Knowledge in the Auto Finance sector. Strong negotiator, able to work in a very fast-paced environment and adapt to situations. Collects accounts in compliance with all applicable regulations and internal performance standards in order to meet personal and team goal objectives. Excellent interpersonal skills.
Overview
16
16
years of professional experience
Work History
Credit and Collections Specialist
Bank of the West
San Ramon, United States
07.2019 - Current
- Execute adequate and timely collection and instigate recovery activities in order to minimize risk costs
- Investigate payment history and coded debtor' s account appropriately in order to determine following collection process steps
- Communicate with debtors by telephone and in writing to manage accounts accordingly
- Documented account activity for collection
- Ensured optimal level of customer service
- Developed strategies to convert delinquent customers to current.
Direct Support Professional
MIH Care Home
Stockton, CA
10.2022 - 04.2023
- Assisted disabled clients to support independence and well-being.
- Maintained clean, safe and well-organized patient environment.
- Monitored progress and documented patient health status changes to keep care team updated.
- Administered medication as directed by physician.
- Cooked meals and assisted patients with eating tasks to support healthy nutrition.
- Assisted patients with bathing, grooming, dressing and oral hygiene care both in private residences and facilities.
- Laundered items, changed sheets and made bed to keep patients' bedroom clean.
- Maintained clean personal areas and prepared healthy meals to support client nutritional needs.
Collections Specialist
Bank of Stockton
Stockton, United States
04.2016 - 05.2018
- Negotiated to collect balance in full.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Processed payments and applied to customer balances.
- Counseled debtors on payment options and arranged installment agreements.
- Achieved performance goals on consistent basis.
- Used skip tracing and other techniques to locate debtors.
- Trained new team members on scripts, company services and collection strategies.
Collections Specialist
Cord Blood Registry
San Bruno, United States
12.2013 - 09.2015
- Negotiating payments while continuing to build a positive relationship with customers
- Performed telephone contact with customers according to guidelines and standards to ensure payment
- Managed collection efforts with high level of persuasiveness and professionalism
- Maintained positive customer relationship and minimize bad debt exposure.
COLLECTIONS SPECIALIST
JP MORGAN CHASE BANK
United States
02.2007 - 10.2013
- Responsible for resolving delinquent accounts and assisted customers with making their monthly payments on time
- Successfully resolved 80% of outgoing calls to delinquent auto loan holders
- Achieved a delicate balance of stellar customer service while exercisingnegotiation
- Collected over 100k a month in delinquent dollars
- Consulted with insurance and repossession agencies
- Assisted customers with issues pertaining to their loan.
Education
High School Diploma -
San Leandro High
06.2000
Skills
- New Hire Training
- Team Oriented
- Credit and Collections
- Communications Strategies
- Persuasion Techniques
- Past Due Procedures
- Microsoft Office
- Organizational Skills
Additional Information
- Hostess for Home Town Buffet
- Receptionist at Coram Healthcare and Cord Blood registry
- Experienced retail clerk
- Warehouse associate for Amazon
- Caregiver
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The greatest glory in living lies not in never falling, but rising every time we fall.
Nelson Mandela
Timeline
Direct Support Professional
MIH Care Home
10.2022 - 04.2023
Credit and Collections Specialist
Bank of the West
07.2019 - Current
Collections Specialist
Bank of Stockton
04.2016 - 05.2018
Collections Specialist
Cord Blood Registry
12.2013 - 09.2015
COLLECTIONS SPECIALIST
JP MORGAN CHASE BANK
02.2007 - 10.2013
High School Diploma -
San Leandro High