Hope Benefield
Ider,AL
Summary
Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
12
12
years of professional experience
Work History
Credit Collections Analyst
Progress Rail A Caterpillar Company
11.2023 - Current
- Achieved high recovery rates by executing well-structured collection plans tailored to individual clients'' needs.
- Called customers by telephone to collect past due invoices, verify accuracy of charges or to correct account errors.
- Streamlined collections processes for increased efficiency and productivity.
- Reviewed files to select delinquent accounts for collection efforts.
- Enhanced cash flow by analyzing and resolving outstanding account balances.
- Managed a portfolio of clients while ensuring compliance with established policies and procedures.
- Regularly reviewed existing accounts to ensure up-to-date knowledge on client financial standings, enabling proactive adjustments to credit limits and terms as needed.
- Improved customer payment behavior with consistent follow-ups and negotiation tactics.
- Created and maintained databases on activity conducted in accounts.
- Prepared reports on current findings and actions taken for accounts under investigation.
- Maintained accurate records of client financial histories, enabling informed decision-making on future credit extensions.
- Collaborated with sales teams to address credit-related issues, promoting positive customer relations.
- Increased company''s profitability by closely monitoring at-risk accounts and taking appropriate actions when necessary.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Researched accounts and completed due diligence to resolve collection problems.
ASSISTANT MANAGER/SMALL CLAIMS REPRESENTATIVE
Citizens Finance of Fort Payne
06.2014 - 11.2023
- Reviewed and approved or denied credit applications to keep the organization profitable by making informed lending decisions
- Examined reports, accounts, and evidence to determine integrity and accuracy of information
- Title applications
- Follow up on customer vehicle insurance
- Prepare daily deposits
- Prepare insurance report and remittance for the month
- Add up all insurance from month end
- Supervised day-to-day operations to meet performance, quality and service expectations
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies
- Offering hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences
- Mentored team members to enhance professional development and accountability in the workplace
- Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service
- Helped with planning schedules and delegating assignments to meet coverage and service demands
- Analyzed and addressed escalated claims to resolve issues quickly
- Worked productively in a fast-moving work environment to process large volumes of claims
- Researched and analyzed complex claims to determine next steps and possible outcomes
- Updated claims system to track claim status and provide relevant information to other departments
- Generated, posted and attached information to claim files
- Carried out administrative tasks by communicating with clients, distributing mail, and scanning documents
- Prepared insurance claim forms or related documents and reviewed for completeness
- Checked documentation for accuracy and validity on updated systems
- Calculated adjustments, premiums and refunds
- Posted payments to accounts and maintained records
- Researched accounts and completed due diligence to resolve collection problems
- Supervised staff of collectors, monitoring phone calls and letters
- Contacted customers to discuss late payments and options for remitting amounts due
- Conducted investigations of customer accounts and payment histories
- Documented interactions in computer databases and updated information
- Contacted customers to collect outstanding payments via one-time or negotiated installment methods
- Worked with legal resources and recovery teams to manage default issues
- Posted receipts to appropriate general ledger accounts
- Generated and mailed updated statements monthly and processed demand letters
- Accessed credit records to evaluate customer credit histories
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags
- Analyzed credit scores to determine borrowers' creditworthiness
- Obtained and compiled copies of loan applicants' credit histories, financial statements and other financial information
- Delivered positive customer experiences and successful loan closures through open, constructive communications
RECEPTIONIST
Dade County Animal Hospital
11.2013 - 06.2014
- Answer multi-line phone system, communicating with clients and scheduling appointments
- Maintain client accounts
- Receive and record payments
- Prepare monthly billing statements
- Organize and create client files
- Organize, order, and maintain office supplies
- Assisted veterinary techs and veterinarian
- Pulled vaccines and medications
- Cleaned office and patient rooms
- Cleaned kennels
CASHIER
Dollar General Store
08.2013 - 11.2013
- Operated cash register
- Assisted customers
- Stocked merchandise
- Cleaned store
SALES ASSOCIATE
Goody's Department Store
01.2013 - 08.2013
Education
High School Diploma -
Ider High School
Ider, ALSkills
- Business Administration
- Time Management
- Directing Team Members
- Financial Management
- Effective Selling Techniques
- Customer Relations
- Staff Training
- Customer Service and Satisfaction
- Performance Tracking and Evaluations
- Product and Service Knowledge
- Delinquency Monitoring
- Microsoft Office Expertise
- Managing Multiple Priorities
Timeline
Credit Collections Analyst
Progress Rail A Caterpillar Company
11.2023 - Current
ASSISTANT MANAGER/SMALL CLAIMS REPRESENTATIVE
Citizens Finance of Fort Payne
06.2014 - 11.2023
RECEPTIONIST
Dade County Animal Hospital
11.2013 - 06.2014
CASHIER
Dollar General Store
08.2013 - 11.2013
SALES ASSOCIATE
Goody's Department Store
01.2013 - 08.2013
High School Diploma -
Ider High School
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