Jennifer Woodruff

Raising children in the home.

• Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
• Oversaw reporting, documentation and recordkeeping requirements for department.
• Referred delinquent accounts to collections department or outside resources.
• Analyzed applicants' financial status and credit evaluations to determine loan feasibility.
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Compiled data critical to analysis of annual bad debt.
• Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
• Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Collaborated with management to evaluate credit strategies
• Reviewed and analyzed loan procedures.
• Work cross-functionally with sales, management, and other departments to maintain effective operations.
• Used the three credit bureau agencies to perform credit appraisals, document verification and loan approvals.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Monitored accounts for signs of fraud and non-payment issues.
• Developed strategies to expedite payments and customer resolutions.
• Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.

• Typed acknowledgment letters to persons sending correspondence.
• Prepared documents and correspondence such as damage claims, credit and billing inquiries and service complaints.
• Edited letters and written material for correspondence.
• Gathered records pertinent to specific problems, reviewed for completeness and accuracy and attached records to correspondence as necessary.
• Presented clear and concise explanations of governing for VISA and MASTERCARD rules and regulations.
• Read incoming correspondence to ascertain nature of writers' concerns and to determine disposition of correspondence.
• Communicated with executives about consistent customer issues.
• Completed form letters in response to requests or problems identified by correspondence.
• Goal-oriented professional with proven success in applying analytical skills to solve complex problems and overcome challenges. Dedicated to enhancing team performance and driving business success.
• Demonstrated strong organizational and time management skills while managing multiple projects.
• Demonstrated respect, friendliness and willingness to help wherever needed.
• Developed strong communication and organizational skills through working on group projects.
• Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
• Strengthened communication skills through regular interactions with others.
• Paid attention to detail while completing assignments.
• Delivered services to customer locations within specific timeframes.
• Developed and maintained courteous and effective working relationships.
• Learned and adapted quickly to new technology and software applications.
• Proven ability to develop and implement creative solutions to complex problems.

• Responded to customer requests for products, services, and company information.
• Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
• Trained staff on operating procedures and company services.
• Cross-trained and provided backup support for organizational leadership.
• Responded proactively and positively to rapid change.
• Exhibited high energy and professionalism when dealing with clients and staff.
• Cross-trained and backed up other customer service managers.
• Identified and resolved discrepancies and errors in customer accounts.
• Promptly responded to inquiries and requests from prospective customers.
• Managed timely and effective replacement of damaged or missing products.
• Investigated and resolved customer inquiries and complaints quickly.
• Delivered prompt service to prioritize customer needs.
• Monitored cash drawers in multiple checkout stations and maintained adequate cash supply.
• Promoted superior experience by addressing customer concerns, demonstrating empathy, and resolving problems swiftly.