Juan Bravo
South Gate,CA
Summary
Accomplished Credit Collections Representative with a proven track record in debt recovery, client relations, and customized repayment strategies. Skilled in credit analysis and skip tracing, leading to reduced delinquent accounts.
Overview
31
31
years of professional experience
Work History
Credit Collections Representative
ACCESS FINANCE INC.
LOS ANGELES CA
12.2005 - 01.2026
- Managed collection processes to ensure timely payment resolutions.
- Collaborated with clients to negotiate payment plans and resolve account discrepancies.
- Reduced delinquent accounts by creating customized repayment plans tailored to individual client needs.
- Conducted in-depth investigations to locate individuals using advanced skip tracing techniques.
- Mentored junior skip tracers on effective research methods and best practices in the field.
- Conducted field investigations to locate and secure collateral for recovery.
- Repossessed security on loans
- Collected accounts 9-charged off accounts
- Collected on judgments accounts
Credit Collections / Repo Representative
WFS Financial
La Palma Ca
07.1998 - 11.2005
- Managed customer inquiries and provided solutions to enhance satisfaction.
- Collected accounts from 15-120 days past due.
- Collected charged off accounts.
- Collected unsecured and secured loan mainly auto loans.
- Worked with forced placed insurance.
- Prepare files for repossession.
Credit Manager
Burton Jewelers
Glendale, CA
05.1995 - 06.1998
- Analyzed credit applications to assess risk and ensure compliance with company policies.
- Developed and implemented credit management strategies to optimize cash flow and minimize bad debt.
- Led team in evaluating customer creditworthiness, enhancing decision-making processes for loan approvals.
- Mentored junior staff on best practices in credit analysis and risk assessment techniques.
Education
High School Diploma -
Lincoln High School
Los Angeles, CA06.1985
Skills
- Goal oriented
- Debt recovery
- Data entry proficiency
- Credit analysis
- Skip tracing
- Legal compliance
- Payment arrangements
- Client relations
Languages
Spanish
English
Timeline
Credit Collections Representative
ACCESS FINANCE INC.
12.2005 - 01.2026
Credit Collections / Repo Representative
WFS Financial
07.1998 - 11.2005
Credit Manager
Burton Jewelers
05.1995 - 06.1998
High School Diploma -
Lincoln High School
References
References are available upon request.
I have been in the credit and collection industry for over 37 years. Please consider me for an employment opportunity within your company.