Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Esmeralda Perez Flores

SOUTH GATE,CA

Summary

QUALIFICATIONS/ ACHEIVEMENTS: Approximately 14 years successful experience in customer service, and support with recognized strengths in account maintenance, problem-solving and troubleshooting, sales staff support, and planning/implementing proactive procedures and systems to avoid problems and 6 years in collections experience Possess solid computer skills, good listening skills Excellent working knowledge using PC systems, Microsoft Excel, Microsoft Word, and Outlook. Ability to train, motivate, provide legendary service to customers, and very punctual, skip tracing, collector, Multitasker, processing payments, using ach, debit cards Document all conversations on accounts A team player, willing to go above and beyond to complete the task. Dependable Collections Specialist successful at meeting high productivity, quality and performance standards. Efficient and competent professional. Motivated professional offering proficiency in data entry combined with strong mathematical and analytical thinking skills. Personable team player with exceptional customer service abilities. Fast learner and committed to continuous, self-directed learning. Skilled with expertise in collections and success in improving accounts receivable functions and performance. Successful in applying recovery strategies and negotiating with account holders to cut outstanding debts and aged accounts. Excited to bring talent to team offering opportunities for growth and advancement. Bilingual Collector adept at reaching out to customers to obtain payments, outline obligations and determine plans. Eager to pursue new professional challenges by leveraging 14 years of related experience. Polite and professional Customer service and collections successful in applying strong communication and problem resolution skills to each customer issue. Solid history of surpassing productivity and quality targets in high-volume settings. Skillful in building long-lasting, loyal customer relationships.

Overview

16
16
years of professional experience

Work History

Bilingual Call Center Representative/Collections Assistant

Schools Federal Credit Union
04.2021 - Current
  • Currrent Job
  • Receive Inbound calls and assist with account maintenance/transactions, online/mobile banking support, and general credit union inquiries, ensuring member satisfaction, and first contact resolution and balances on there accounts, process payments
  • Utilize appropriate systems to access and notate member accounts, ensuring confidentiality, and protecting the organizations values
  • Distinguish when a call needs to be transferred or escalated and set appropriate expectations when transferring calls to other departments
  • Assist members with inquiries regarding the reporting of fraud/fraud claims, ordering of lost or stolen cards
  • Educate members to protect accounts against fraud and how to recognize potential breaches and phishing scams Falcon fraud reports on debit cards
  • I handle return debit cards need to contact member for return cards and Verifications of accounts that need to be fax or emailed
  • Perform other job-related duties as assigned
  • Referrals complete loan applications
  • Meet monthly goals

Bilingual Collector I and II

Schools Federal Credit Union
08.2018 - 04.2021
  • Outbound calls to delinquencies accounts from 15-39 days on negative shares and loans and offset funds from checking/savings for any negative balances with members that are delinquent on their loans, also follow up on real estate delinquencies, process payments
  • Contact all members with delinquent loans by telephone and mail to determine the reasons for delinquencies; assist members with resolving their delinquencies in order to bring accounts current also modifications and deferments for hardship
  • Skip-trace on accounts resources; phone calls to references, etc
  • Determine when an account should be assigned for repossession and follow-up on auction vehicles we have to go on sale
  • Document all conversations I would also assist higher delinquency (40) and higher when needed and more

VERO CREDIT
11.2017 - 01.2018
  • Audit deal for any missing documents
  • Contact dealers and customers for missing documents
  • Complete verifications
  • Calculate income to see if they qualify for loan
  • Meet monthly funding goal
  • Submit deals for final reviews once all documents received

Loss Mitigation Specialist

LOANME, Recovery
01.2017 - 11.2017
  • Collect on past due accounts (30) (60) (90) (charge-offs) finding solutions on past due accounts
  • Negotiate on charge-offs with third parties and customers from payoffs to principal balance
  • Review accounts for legal
  • Offer solutions with hardships forbearance/deferments/modifications
  • Financial statements for modifications
  • Meet individual goal

LOANME
12.2015 - 01.2017
  • Collecting on past due accounts (FE, 1-29 day (s)) by processing payments, granting extensions and providing solutions/ arrangements tocure the delinquency
  • Skip tracing customers with delinquent accounts (by using Accurint, Google, etc.) by finding alternate phone numbers, addresses and place ofemployment
  • Maintaining 100% on QA, ranking in top 70% in the company for 2 consecutive months
  • Follow FDCPA rules

BILINGUAL, REP II

WELLS FARGO DEALER SERVICES
04.2014 - 12.2015
  • Support customers by providing detailed loan account information, processing payments and providing exceptional customer service
  • Quickly and effectively solve customer challenges
  • Handle and update customer records, work with other departments on additional requests and ensure deadlines are met
  • Receive inbound calls /Outbound calls (welcome our new loan customers)
  • Assist with modification/ refi applications for existing loans and new loans/Make sure they know requirements before (applying)
  • Assist with payments arrangements before accounts go to collections

CUSTOMER SERVICE/ SALES AGENT

PUBLIC STORAGE
05.2011 - 03.2014
  • Receive inbounds calls to assist potential customers with their storage needs
  • Support existing customers by providing balance and account history information
  • Quickly and effectively solve customer challenges
  • Handled all administrative tasks and customer information such as updating customer records, setting appointments for customers to rent andsending lease agreements for review.

RETAIL SALES CONSULTANT

AT&T WIRELESS CERRITOS
12.2007 - 08.2010
  • Developed and attained customer experience and sales objectives
  • Handled administrative aspects of the sale including completing customer contracts, warranties, product inventory and payments
  • Ensured an excellent customer service interaction with each customer.

Education

Diploma/High school diploma -

Juan Rodriguez Cabrillo High School
Long Beach, CA
2007

Skills

  • Product or Service] Expertise
  • Providing Feedback
  • Process Transactions
  • Investigate Claims
  • Sales and Upselling
  • Call Volume and Quality Metrics
  • Document and Records Management
  • Answering Questions
  • Microsoft Office
  • Customer Data Confidentiality
  • Performance Feedback
  • Verbal and Written Communication
  • Problem-Solving Skills
  • Online Systems
  • Policy and Procedure Adherence
  • Membership Inquiries and Renewals
  • Documentation
  • Calm and Professional Under Pressure
  • Resolving Issues
  • Call Transfers
  • Customer Account Updates
  • Eligibility Determinations
  • Call Documentation Skills

Languages

Spanish
Professional Working

Timeline

Bilingual Call Center Representative/Collections Assistant

Schools Federal Credit Union
04.2021 - Current

Bilingual Collector I and II

Schools Federal Credit Union
08.2018 - 04.2021

VERO CREDIT
11.2017 - 01.2018

Loss Mitigation Specialist

LOANME, Recovery
01.2017 - 11.2017

LOANME
12.2015 - 01.2017

BILINGUAL, REP II

WELLS FARGO DEALER SERVICES
04.2014 - 12.2015

CUSTOMER SERVICE/ SALES AGENT

PUBLIC STORAGE
05.2011 - 03.2014

RETAIL SALES CONSULTANT

AT&T WIRELESS CERRITOS
12.2007 - 08.2010

Diploma/High school diploma -

Juan Rodriguez Cabrillo High School
Esmeralda Perez Flores