Fatimah Fuzzell
Tampa
Summary
Oversees the collection process for automobile loans and leases Along with Banking Knowledge. Responsibilities involve Managing and Executing strategies to recover and Process overdue and current due payments from borrowers. Strong communication skills, Negotiation Abilities, Repossession and Reinstatement Tactics and a thorough understanding of Lending Practices and Regulations. Senior Representative ensures timely payments and navigates Customer interactions to effectively resolve outstanding debts while maintaining positive relationships with clients.
Overview
6
6
years of professional experience
Work History
Auto Loan & Lease Collections Sr. Representative
Santander Consumer USA
12.2021 - 12.2023
- Successfully utilizes all collection tools provided by management, including, but not limited to, extensions, hardship modifications, reinstatements, and repair claims to make the best business decision for Santander Consumer USA Inc. and the customer.
- Account Management: Oversee a portfolio of overdue auto loan and lease accounts, managing the collection process from initial contact to resolution.
- Negotiation and Payment Plans: Use negotiation skills to establish repayment plans that are feasible for customers while aligning with the lender's objectives to recover overdue payments.
- Recording Transactions: Accurately recording and documenting received ACH payments in the system/database, ensuring that all transactions are properly logged and updated in the borrower's account.
- Transaction Processing: Managing and processing various types of payments, including electronic transfers, wire transfers, ACH transactions, checks, and other financial instruments.
- Data Entry and Record Keeping: Inputting payment data accurately into the banking system, maintaining comprehensive and up-to-date records of transactions, and reconciling discrepancies.
- Posting Payments: Allocating and Researching received payments to the correct loan or lease accounts, ensuring proper distribution across principal, interest, fees, and any other relevant charges.
- Reconciliation: Reconciling payment records regularly to ensure that the accounts are balanced and there are no discrepancies between recorded payments and actual received amounts.
- Compliance Adherence: Ensuring strict adherence to banking regulations, compliance standards, and security protocols to safeguard sensitive financial information and prevent fraudulent activities.
- Late Payment Handling: Managing late payments by applying late fees or penalties according to the loan agreement terms and regulations, and communicating consequences of late payments to borrowers.
- Legal Compliance: Ensuring compliance with state laws and the terms outlined in the loan agreement regarding repossession procedures, including the requirement for notification, time frames, and repossession methods.
- Notification of Repossession: Notifying the borrower about the repossession, providing details on how they can reclaim personal belongings from the vehicle and informing them of the next steps in the process.
- Legal Considerations: Ensuring compliance with legal requirements for the sale of repossessed vehicles, exceptions including proper notice to the borrower about the sale and any surplus or deficiency balances after the sale
- Collaboration: Working closely with other departments, such as customer service, risk management, and IT, to coordinate payment activities and resolve complex issues
Customer Service/Telesales Representative
Verizon Wireless Telesales/AT&T Business Telesales
06.2019 - 09.2021
- Maintain Office files
- Provide excellence to clients and their accounts
- Presents clear communication with clients and management
- Complete given tasks in an organized and timely manner
- Effectively solve problems
- Easily adapts to team settings, Maintain company goals set for sales and revenue
- Handle incoming call from potential or current customers
- Respond and resolve escalated calls
- Made appointments for interested customers according to availability
- Provide extensive knowledge in an understanding manner
- Set up new accounts with updated payment information
- Work in a team environment to fulfill 20-30 sales daily
- Responded to customer calls and emails to answer questions about products and services.
- Identified and responded to customer requests and concerns through email, online chat, and phone for customers.
Office Assistant
J&M Consulting Firm
01.2018 - 05.2019
- Schedules given appointments between upper management and clientele
- Organized paperwork to maintain client files
- Interact with clients on behalf of the company
- Provide information about products and services
- Keep station and Office neat and tidy
- Completed clerical tasks such as filing, copying, and distributing mail.
- Maintained and updated office records, both digital and physical.
- Collaborated with various departments to complete assigned tasks.
- Ordered office supplies and kept office stocked with needed resources to operate smoothly.
- Prepared and edited documents to produce precise, accurate and professional communication.
Education
Associate of Arts And Sciences - Health Sciences
Pasco Hernando State College
Wesley Chapel, FL12.2022
Skills
Financial Services
Debt collections
Reinstatements
Auto loan Management
Communication Skills
Banking Compliance
Negotiation Abilities
Understanding Payment Processing Strategies
Problem-Solving
Compliance and Regulatory Knowledge
Computer Proficiency
Resilience and Patience
Analytical thinking
Accomplishments
- Pinkfreakz.com — clothing website
- Pink freakz is a retail clothing website targeted to teens all nationally and internationally
- Coming Soon; Reference: https://pinkfreakz.com/
- South Tampa Chamber of Commerce
- Keep Tampa Bay Beautiful
Affiliations
Keep Tampa Bay
Beautiful
South Tampa Chamber
of Commerce
Languages
French
Limited Working
Timeline
Auto Loan & Lease Collections Sr. Representative
Santander Consumer USA
12.2021 - 12.2023
Customer Service/Telesales Representative
Verizon Wireless Telesales/AT&T Business Telesales
06.2019 - 09.2021
Office Assistant
J&M Consulting Firm
01.2018 - 05.2019
Associate of Arts And Sciences - Health Sciences
Pasco Hernando State College
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