Jaylah Smith
Fort Worth
Summary
Dedicated and detail-oriented Representative with a proven track record of effectively managing loan portfolios and providing exceptional customer service. Skilled in analyzing financial documents, processing payments, and resolving borrower inquiries in a timely and accurate manner. Strong communication and interpersonal abilities. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments.
Overview
9
9
years of professional experience
Work History
Sr Collections III
Reprise Financial
Irving, TX
10.2023 - Current
- Managed portfolio of auto loans 90–180+ days past due, focusing on maximizing recovery while minimizing repossession losses
- Negotiated payment plans, loan reinstatements, and settlements to cure delinquency and retain collateral whenever possible
- Coordinated repossession efforts with third-party vendors, ensuring compliance with state regulations and company policies
- Reduced net charge-offs by successfully reinstating delinquent accounts and securing voluntary surrenders when appropriate
- Applied skip-tracing techniques to locate customers and collateral, increasing right-party contact rates
- Reviewed borrower financial profiles to determine optimal resolution strategies, including extensions, deferrals, and settlements
- Collaborated with remarketing teams to track repossessed vehicles and support efficient asset liquidation
- Ensured full compliance with FDCPA, UCC regulations, and internal audit standards in all customer interactions
Accountant
Corporate Hospitality
Irving, TX
10.2019 - 09.2023
- Prepared monthly financial statements and reports by analyzing and summarizing account information
- Managed and ensured accuracy in accounts payable and accounts receivable functions
- Managed a portfolio of 50+ client accounts, maintaining excellent customer relationships and ensuring client satisfaction
- Oversaw accounts receivable and accounts payable processes, reconciling discrepancies and ensuring accurate and timely payment processing
Account Manager
Flagship Credit Acceptance
Coppell, TX
05.2017 - 10.2019
- Managed a portfolio of delinquent auto loans, consistently exceeding collection goals by utilizing effective negotiation and communication skills
- Implemented skip-tracing techniques to locate and communicate with hard-to-reach customers, resulting in significant increases in loan recoveries
- Collaborated with legal teams to initiate and oversee repossession proceedings on vehicles with defaulted loans, ensuring compliance with all regulations
Education
High School -
Fossil Ridge High School
Fort Worth, TX05.2015
Skills
- Teamwork and collaboration
- Customer service
- Problem-solving
- Dependable and responsible
- Organization and time management
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Collaborated with team of 7 representatives in the development of my leadership role.
- Ranking in the top 3 each month consistently over 12 months earning my Sr. Collections III title.
Timeline
Sr Collections III
Reprise Financial
10.2023 - Current
Accountant
Corporate Hospitality
10.2019 - 09.2023
Account Manager
Flagship Credit Acceptance
05.2017 - 10.2019
High School -
Fossil Ridge High School