Debt management professional prepared to deliver impactful and innovative solutions. Extensive experience in financial analysis, debt resolution, and negotiation. Strong focus on collaborative teamwork and achieving measurable results. Known for adaptability, reliability, and effective communication skills. Expert investigator with top-notch follow-through and meticulous attention to detail.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Sr. Debt Specialist
TD Bank NA
11.2022 - 10.2024
Enhanced company reputation by resolving complex client issues through effective communication and negotiation skills.
Reduced clients' overdrawn checking accounts and personal loans by negotiating with creditors and created customized repayment plans.
Increased revenue generation through diligent follow-up on delinquent accounts while maintaining ethical standards in collections processes.
Contributed valuable insights during team meetings designed to improve overall departmental performance and client satisfaction.
Achieved monthly performance targets consistently by employing proactive strategies in debt collection efforts.
Utilized analytical skills to evaluate clients'' financial situations accurately, enabling tailor-made solutions for each individual case.
Improved customer satisfaction levels by providing personalized financial advice and debt management solutions.
Maintained detailed records of client interactions, ensuring accurate documentation of all transactions and communications.
Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
Worked in call center environment handling manual and automatically dialed outbound calls.
Maintained consistently high success rate of collecting on overdue accounts.
Centralized Legal Department Manager I
Lendmark Financial Services
05.2019 - 03.2022
Oversaw inventory management processes and reviewed contracts and process in an effort to minimize waste and losses to the company.
Established clear performance expectations for staff members which led to increased accountability.
Implemented cross-training initiatives for employees, increasing overall departmental knowledge and versatility.
Optimized scheduling practices to ensure adequate staffing during peak business hours without sacrificing employee satisfaction or budgetary constraints.
Led a team of professionals to consistently achieve or exceed performance targets.
Assisted in talent acquisition efforts, hiring top candidates to strengthen the department''s capabilities.
Advised upper management on key decisions based on thorough analysis of legal collection trends, market conditions, and competitor activities.
Contributed to the creation of long-term strategic plans that aligned with the company''s overall vision and goals.
Increased productivity by identifying bottlenecks and implementing targeted solutions.
Developed comprehensive risk management strategy, mitigating potential obstacles to departmental success.
Fostered culture of continuous improvement, leading to notable enhancements in staff performance and morale.
Collaborated with other departments to ensure seamless coordination in achieving company-wide objectives.
Improved customer satisfaction rates through attentive service, prompt issue resolution, and continuous process improvements.
Maintained a professional work environment by addressing conflicts proactively and fostering open communication among staff members.
Collection Account Manager
The Law Offices of Mark A. Kirkorsky
08.2017 - 05.2019
Conducted thorough account reviews, identifying opportunities for successful debt recovery.
Maintained accurate records of all collection activities, facilitating transparency and easy access to information when needed.
Initiated legal action against non-compliant debtors when necessary, protecting company assets from revenue loss.
Enhanced client relationships through regular communication and proactive approach to problemsolving.
Stayed current on industry regulations and best practices, ensuring full compliance in all collection activities.
Reduced outstanding debts by implementing effective negotiation strategies with delinquent account holders.
Trained junior peers in effective collection techniques, fostering a knowledgeable and collaborative, high-performing team environment.
Implemented a proactive approach to account management, identifying potential issues before they escalated into major problems requiring intervention from senior management or external parties.
Maintained accurate records of customer accounts, payments and payment plans.
Successfully skip traced customers' financial history using skip trace software, online platforms, and identified accounts where subpoenas could be sent to gain asset information beneficial to our recovery efforts.
Collections Representative
Aurora Health Care
02.2015 - 07.2017
Processed misapplied insurance payments, repayments, and self-pay payments accurately in hospital, clinic, and Epic computer systems.
Negotiated to collect balance in full.
Increased productivity levels through efficient time management and prioritization of daily tasks.
Enhanced client relationships by consistently maintaining clear communication and promptly addressing concerns.
Managed outside collections agency coordination and litigation activities.
Collaborated with various departments to ensure accurate billing information and resolve any discrepancies promptly using CRM system.
Contributed to a positive team atmosphere by providing support, sharing knowledge, and participating in departmental initiatives.
Researched accounts and completed due diligence to resolve collection problems.
Collection Team Lead
Van Ru Credit Corporation
12.2012 - 02.2014
Conducted periodic performance reviews for team members, providing constructive feedback and guidance towards achieving individual goals.
Enhanced collection efficiency by implementing new strategies and improving team communication.
Developed training programs to improve the skillset and knowledge base of the collections team.
Implemented best practices in compliance with industry standards and federal regulations, minimizing legal risks for the organization.
Mentored junior staff members, contributing to their professional growth and success within the company.
Assisted management in setting realistic targets and goals, leading to improved collection rates.
Reduced outstanding debts through effective negotiation and timely follow-ups with delinquent customers.
Closely monitored team performance and provided regular feedback for continuous improvement.
Spearheaded initiatives aimed at enhancing employee morale, fostering a supportive work environment that encouraged teamwork and collaboration.