HELENE SHEPPARD
Lehighton,PA
Summary
Veteran recovery collector bringing 30-year background to growing collections agency. Expert in debt collections, repayment negotiations, and repayment plan development. Successful in managing escalated accounts and producing aging reports to cut down delinquent invoices.
Overview
30
30
years of professional experience
Work History
Recovery Collector III
Flagship Credit Acceptance
09.2023 - Current
- Utilize advanced skip-tracing techniques in order to establish customer contact and/or locate collateral (utilizing all company-approved tools and information sources).
- Effectively presents payment options as applicable. Analyzes and uses the information to negotiate appropriate payment arrangements. Clearly and concisely communicates information to customers, provides thorough and accurate documentation, and maintains superior quality assurance and compliance results. Utilizes superior time management skills as they relate to managing an assigned queue of potential charge-off accounts. Knowledge of state repossession laws and regulations. Overcomes borrower objections and educates the borrower in understanding their accounts and responsibilities. Negotiates account settlements with borrowers. Extensive interaction with repossession agents and other company-approved vendors. Identifies accounts that may require legal action and refers to the proper approval authority for resolution. Ensures legal repossession notices, such as Right to Cures, Notice of Sales, and Deficiency letters, are properly sent and documented in the system of record.
Risk Analyst Level II
Shift4 Payments
01.2021 - Current
- Responsible for analyzing and investigating merchant processing to mitigate loss
- Compiling and verifying information provided from business and transactional levels
- Manage Risk of merchant processing with account holds to prevent financial losses
- Review merchant accounts for current and past processing history for fraud activity
- Analyze business models and other information to assist in determining appropriate action
- Interact with our Merchants and Independent Sales Representatives by phone and e-mail
- Educate Merchants on processing guidelines and security measures
- Overseeing the new and ongoing risk to Shift4 Payments from our merchant portfolio
Repossession Collector
Horizon Bank - Auto Finance
01.2017 - 01.2021
- Confer with debtors by phone or in person to determine reason for overdue payments
- Processing automobile repossessions and insurance total loss claims
- Inbound and outbound dialer and manual calls
- Negotiated payment plans and settlements
- All aspects of skip tracing
- Prepares accounts for charge off, placement with collection agency or legal
Collections Manager
LifeDME
01.2016 - 01.2017
- Located, notified customers of delinquent accounts
- Receive payments, post amounts paid to clients'/debtors' accounts
- Developed, implemented company credit policies, procedures
- Reconciled discrepancies with patients/commercial insurance companies
- Implemented, modernized form letters for use in collection attempts
- Prepares accounts for charge off, placement with collection agency
- Reviewed collection reports to determine the status of collections and the amounts of outstanding balances
- Reduced aged receivables from $120K to $20K
Level III Auto Finance Collector/Lead
CNAC Finance
01.2014 - 01.2016
- Confer with debtors by phone or in person to determine reason for overdue payments, review the terms of sales, service or credit contracts, determine appropriate strategy
- Experience processing automobile repossessions
- Initiated wage garnishments
- Negotiated with account holders to devise repayment plans and minimize collections receivables
- Developed methods with associates that eventually lead to each associate reaching bonus levels on consecutive months
- Managed delinquency cycle, including past due collection calls, skiptracing, outside collections agency coordination and litigation activities
Billing Representative
Omnicare
01.2013 - 01.2014
- Prebilling report, review correction
- Meet all billing deadlines in accordance with facility expectations
- Complete all post billing dispute resolutions, credit memo review
- Serve as primary contact for facility concerns as assigned by portfolio
Level III Auto Finance Collector / Personal Banker
Wells Fargo Auto Finance
01.2006 - 01.2013
- Confer with debtors by phone or in person to determine reason for overdue payments
- Review the terms of sales, service, or credit contracts, determine appropriate strategy
- Experience processing automobile repossessions
- Initiated wage garnishments
- Negotiated payment plans and settlements
- Developed methods with associates that eventually lead to each associate reaching bonus levels on consecutive months
Collection Representative / Accounts Receivable
Bodek and Rhodes, Inc
01.2004 - 01.2006
Pre-Charge Off
Sears Roebuck and Company
01.1996 - 01.2004
Education
High School Diploma -
John W. Hallahan Catholic School For Girls
Philadelphia, PennsylvaniaSkills
- Skip tracing and repossession strategies
- Strong verbal communication
- Skip tracing and repossession strategies
- Credit and collections management
- Analytical thinking and critical analysis
- Proficiency in LexisNexis, TLO, CLEAR, etc
- Negotiation
- Account management
Languages
Polish, Advanced
Timeline
Recovery Collector III
Flagship Credit Acceptance
09.2023 - Current
Risk Analyst Level II
Shift4 Payments
01.2021 - Current
Repossession Collector
Horizon Bank - Auto Finance
01.2017 - 01.2021
Collections Manager
LifeDME
01.2016 - 01.2017
Level III Auto Finance Collector/Lead
CNAC Finance
01.2014 - 01.2016
Billing Representative
Omnicare
01.2013 - 01.2014
Level III Auto Finance Collector / Personal Banker
Wells Fargo Auto Finance
01.2006 - 01.2013
Collection Representative / Accounts Receivable
Bodek and Rhodes, Inc
01.2004 - 01.2006
Pre-Charge Off
Sears Roebuck and Company
01.1996 - 01.2004
High School Diploma -
John W. Hallahan Catholic School For Girls
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