Joanne Ortega
Las Vegas
Summary
Diplomatic Collections Specialist skillful in monitoring accounts to identify outstanding debts, investigating credit histories and finding and contacting clients to detect overdue payments. Personable and well-organized team player with 15 years of comprehensive experience. Recognized for consistently employing candor with debtors.
Overview
19
19
years of professional experience
Work History
Loan Officer
Soaren Management
09.2019 - Current
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service
- Delivered high levels of customer service to facilitate smooth processes
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan
- Reviewed loan agreements to confirm completeness and accuracy
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Collections Specialist
Credit One Bank N.A.
11.2011 - 09.2019
- Notified customers of delinquent accounts with attempt to collect outstanding amounts
- Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals
- Processed payments over phone and set up recurring drafts
- Received payment and posted to appropriate customer accounts
- Recorded and updated customer personal accounts with accurate contact information
- Reviewed accounts to determine payment plan compliance
- Recorded information about customers' financial status and collections status efforts
- Located and monitored overdue accounts using billing system to begin collections process
- Completed skip traces on customers failing respond to collection efforts.
Collections Specialist
Cash Call Business
04.2005 - 11.2011
- Notified customers of delinquent accounts with attempt to collect outstanding amounts
- Met demands of busy collections group by performing high volume of daily calls
- Negotiated rates with customers and entered payments into accounting system
- Liaised with management to identify issues attributing to account delinquency and discuss solutions to bring in revenue
- Located and notified customers of delinquent accounts by mail, telephone or personal visits to solicit payment
- Negotiated credit extensions to assist customers in paying overdue accounts.
Education
Private Investigating -
State Of Nevada
01.2018
Computer Networking -
ComputerTraining.edu
02.2014
Skills
- Debt Repayment
- Negotiation
- Payment Processing
- Credit Extension
- Payment Solicitation
- Credit and Collections
- Familiar With Locating Individuals
- Call Center Background
- Skip Tracing
- Fraud Investigations
- Credit History Review
- Complaint Handling
- Terms Definition
- Application Review
- Loan File Review
- Loan Processing Coordination
- Credit File Updating
- Loan File Maintenance
- Customer Relations
- Customer Service-Focused
- Debt and Credit Management
- Loan Officer
Timeline
Loan Officer
Soaren Management
09.2019 - Current
Collections Specialist
Credit One Bank N.A.
11.2011 - 09.2019
Collections Specialist
Cash Call Business
04.2005 - 11.2011
Private Investigating -
State Of Nevada
Computer Networking -
ComputerTraining.edu
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