Open To Work
HELENE SHEPPARD
Lehighton
Work Preference
Summary
Highly skilled recovery professional equipped to handle complex debt recovery scenarios with precision and tact. Proven track record of reducing delinquent accounts through effective communication and strategic planning. Known for fostering team collaboration and adapting to dynamic environments, ensuring optimal results.
Overview
20
20
years of professional experience
Work History
Recovery Collector III
Flagship Credit Acceptance
Chadds Ford, PA
09.2023 - Current
- Strong verbal communication
- 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.
Repossession Collector
Horizon Bank - Auto Finance
Michigan City, Indiana
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
Merrillville, Indiana
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
Berwyn, Illinois
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
Level III Auto Finance Collector / Personal Banker
Wells Fargo Auto Finance
Bethlehem, Pennsylvania
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
Skills
- Self motivation
- Data entry skills
- Computer literacy
- Written communication
- Payment acceptance
- Payment plan development
- Skip tracing
- Documentation skills
- Client relationship management
- Investigation due diligence
- Persuasion strategies
- Payment arrangements
- Verbal and written communication
- Interpersonal skills
- Documentation and recordkeeping
- Risk assessment
- Effective communication
- Negotiation
- Creative problem solving
- Fair debt collections practices
- Organizational skills
- Teamwork
- Persuasion techniques
- Negotiation and resolution
- Clear communication
- Debt negotiation
- Reliability
- Attention to detail
- Problem-solving abilities
- Analytical thinking
- Collections best practices
- Multitasking
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
Polish
Native or Bilingual
Timeline
Recovery Collector III
Flagship Credit Acceptance
09.2023 - 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
Level III Auto Finance Collector / Personal Banker
Wells Fargo Auto Finance
01.2006 - 01.2013