Open To Work
Janete L Christensen
Murrell’s Inlet,SC
Work Preference
Summary
An initiative-taker that is always looking to deliver excellence. Collaborated with nationwide companies in a fast-paced, lending, collection, or finance environment with focus on business strategies, portfolio performance, sales management, marketing, project management, risk management, client success, collections, cash applications, credit risk analysis, and customer service implementing solutions that quickly produce client value. Key contributions were made across business-to-business (B2B), automotive, lending, banking, credit, financial services, third party collections, insurance, capital, mortgage, foreclosure defense, customer service and food distribution industries. There are many more attributes that I can offer to a company.
Overview
20
20
years of professional experience
1
1
Certified SAFE ACT - Comprehensive PE (09/2011)
1
1
Certified Bank Foreclosure Examiner (NAMU-CBFE) (06/2010)
1
1
Certified Securitization Auditor (06/2010)
1
1
Marketing Foundations (12/2022)
1
1
How to have difficult Conversations (06/2023)
1
1
Serve Safe: Food Protection Manager (01/2023)
1
1
Recall & Market Withdraw Program Overview (05/2024)
Work History
Area Credit Coordinator II
US Foods
Manassas, VA
08.2018 - 12.2024
- Maintained 85-90% current with 3 DSM’s and 23 TM’s by coordinating collections, customer credit resolutions with sales department and customer while responding promptly to customer inquiries via phone and email.
- Managed and maintained 900+ Local, +National accounts through weekly TM and DSM collaboration including processing, analyzing, and approving credit applications in compliance with Analyze D&B, Equifax, and MDA profit models.
- Monitored 900+ Local, +National customers terms and compliances including negotiating payment schedules, department credit hold and release, and collecting delinquent accounts ensuring timely skips, short pays, credit memos, unapplied cash are addressed through effective payment plans on past due accounts.
- Communicated collection communications with 30+ local sales representatives, 3rd party, and customer collections.
- Analyzed new street customer account credit terms while ensuring obtaining proper and complete documentation.
- Contributed to the management and investigation of credit risks, approving $20-13M in new lines of credit and the extension of credit and limits, resolving moderately complex credit issues in collaboration with the Credit Manager.
- Ensured all regulatory requirement compliances were met leveraging Sarbanes Oxley controls on UCC filings, coordinating collections, and providing documentation of non-collectable accounts to centralized third-party collections.
Owner - VP of Financial Operations
New South Financial Inc
Myrtle Beach, SC
04.2010 - 09.2017
- Carried an A+ Better Business Bureau (BBB) rating for 5 years as business owner in the Foreclosure Defense Industry, Short Sale, Loan Modifications, and Deed in Lieu program.
- Negotiated and restructured $900M++ in client mortgage terms by strategizing the client's financial information to fit within the modifications programs guidelines.
- Nationwide territory, collaborating with attorneys that generated leads of mortgages that were negotiated to better terms. Identify customer's objectives, strategies, analyzing all requirements and maintaining 30 - 80 customers monthly with a focus on growth.
- Prepared all corresponding documents required to submit for review to several types of lender institutions. This would also include any dispositions for court.
Negotiator-Executive Legal Administrator
Law office of Brett Margolin
Hauppauge, NY
05.2005 - 04.2010
- Established a rapport with all clients gathering pertinent information required to restructure current mortgage terms while strategizing a sustainable mortgage payment in compliance with HAMP/HARP and in-house modification programs.
Office Manager-Sales & Marketing
Home Savers Inc
Hicksville, NY
10.2004 - 04.2007
- Consulted and closed 30 - 100 ++ monthly opportunities included interviewing clients, completing the intake information, and coordinated supporting documents required for submission to the law firms.
- Created Weekly Account Payable and Receivable spreadsheets keeping Lawyers/Customers aware of file locations and that all files are paid for from the attorney’s offices in making sure that the law firms were held accountable to what each file statuses were.
- Interviewed new law firms monthly to keep pipeline manageable for the law firms to become a company affiliate.
- Informed all clients weekly on progress of their cases by organizing all aspects of office operations while keeping the owner informed of all procedures progress to bill law firms for duties performed.
Education
Coursework in Business Management - Economics
Howard Community College
Columbia, MDSkills
Skill sets include communication, negotiation, conflict resolution, decision-making, and collaborating with a team toward achieving a common goal or set of goals
Debt recovery
Customer follow-up
Payment negotiations
Reporting and analysis
Financial statements
Invoice processing
Training and coaching
Credit analysis
Bankruptcy procedures
Dispute resolution
Budget planning
Portfolio management
Loan processing
Cash flow forecasting
Credit scoring
Collateral evaluation
Negotiation
Credit counseling
Financial planning
Debt management
Credit control
Credit process improvement
Credit team leadership
Credit investigations
Credit reviews
Collection strategies
Credit line determination
Credit advisory services
Credit monitoring
Credit decision making
Credit promotions
Credit risk mitigation
Credit operations
Credit performance metrics
Credit system implementation
Credit application review
Credit approvals
Credit policies
Credit industry networking
Consumer credit laws
Credit strategy development
Credit extensions
Credit software proficiency
Credit training
Credit data analysis
Point-of-sale system
Credit documentation
Credit market research
Credit reporting systems
Sales experience
Financial acumen
Teamwork
Teamwork and collaboration
Customer service
Problem-solving
Time management
Attention to detail
Problem-solving abilities
Multitasking
Credit decisions
Multitasking Abilities
Reliability
Excellent communication
Critical thinking
Credit risk
Organizational skills
Team collaboration
Active listening
Effective communication
Adaptability and flexibility
Verbal and written communication
Decision-making
Loan servicing
Relationship building
Team building
Task prioritization
Self motivation
High risk account reviews
Interpersonal skills
Analytical thinking
Goal setting
Risk assessment
Professionalism
Interpersonal communication
Oral and written communications
Loan underwriting
Accounts receivable management
Lending regulations
Time management abilities
Continuous improvement
Excel proficiency
Adaptability
Written communication
Loan documentation
Project management
Microsoft Office Suite
Cash flow analysis
Relationship management
Leadership, Decision-Making, Conflict resolution, Patience, Dependability, Empathy, Active listening, Awareness, Negotiation Emotional intelligence, and Problem solving
Salesforce, Microsoft Office Suite (Word, Excel, PowerPoint), Accounting/ERP financial software, CRM, Software as a Service (SaaS), Amazon Web Services (AWS), Azure, Data Analytics, Tableau, MDM, BECTRAN
Certification
- Certified SAFE ACT - Comprehensive PE (09/2011)
- Certified Bank Foreclosure Examiner (NAMU-CBFE) (06/2010)
- Certified Securitization Auditor (06/2010)
- Marketing Foundations (12/2022)
- How to have difficult Conversations (06/2023)
- Serve Safe: Food Protection Manager (01/2023)
- Recall & Market Withdraw Program Overview (05/2024)
Accomplishments
- Grew territories to $250K to 3M+ selling core products and direct campaigns leveraging trends, detecting errors, and analytical problem solving in compliance with all federal and company policies and safety regulations.
- Strong verbal and written communication skills with ability to present findings in a clear, concise manner.
Affiliations
Women in Network (ERF WIN) on the Field Chapter SUB-Committee Pilar Awards, Pillar Committee, WFF (Women in Food Services, Women in Financial Lending, Women in Marketing
JOB RELATED TRAINING
Conflict Resolution, Leadership, Time Management, Client Database Management, Typing 50 – 80 wpm (10+ years), Computer Knowledge and Writing Software programs (10+ years), Sales Management (10+ years), Administration Assistant (10+years), Sales and Marketing (10+ years), Specialist in Foreclosure Defense (10+ years), Specialist in Third Party Collection, Specialist in Securitization (10+ years), Specialist in Real Estate Law (10+ years), Specialist in the Mortgage Industry (10+ years), Specialist in Credit information, Credit history evaluations (10+ years), Specialist in Accounting, Specialist in Credit Collections, Specialist in Accounts Receivables and Specialist in Finance
ADDITIONAL WORK HISTORY AVAILABE
if needed.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Area Credit Coordinator II
US Foods
08.2018 - 12.2024
Owner - VP of Financial Operations
New South Financial Inc
04.2010 - 09.2017
Negotiator-Executive Legal Administrator
Law office of Brett Margolin
05.2005 - 04.2010
Office Manager-Sales & Marketing
Home Savers Inc
10.2004 - 04.2007
Coursework in Business Management - Economics
Howard Community College