Kimberly Ball
Sevierville,TN
Summary
Detail-oriented collections specialist with deep experience handling past-due loans, foreclosures, repossessions, and probate claims. Recognized for clear communication, demand letters, and effective collaboration with legal teams. Dedicated to protecting compliance while improving recovery outcomes.
Overview
19
19
years of professional experience
Work History
Collections Officer
Citizens National Bank
Sevierville, Tennessee
12.2007 - Current
- Applied federal collection rules and bank policies during account recovery.
- Adhered to company policies and applicable laws while collecting debts from customers.
- Contacted Citizens National Bank customers regarding past-due loan and credit balances.
- Drafted correspondence to customers regarding overdue accounts and payment arrangements.
- Resolved billing questions with customers, branches, and loan servicing teams.
- Processed payments through various methods such as credit cards, online banking and cash transactions.
- Maintained accurate records and reported collection activity and accounts receivable status.
- Prepared and sent out demand letters and collection notices to delinquent accounts.
- Utilized skip tracing techniques including phone calls, internet searches and databases.
- Managed bankruptcy cases and loan accounts for effective resolution. Foreclosures and Repossessions.
- Collaborated with legal department officials on bankruptcy cases for management of proceedings and post-petition payments.
- Coordinated with legal department on litigation processes for non-responsive debtors.
- Initiated legal action against delinquent customers.
- File claims on the deceased borrower's estate in Probate Court.
- Prepared reports summarizing collection activity for management review.
Education
High School Diploma -
Morristown Hamblen West HS
Morristown, TN05-1989
Skills
- Accounts receivable specialist with 37 years of experience
- Debt collection
- Debt negotiation
- Bankruptcy processing
- Skip tracing
Timeline
Collections Officer
Citizens National Bank
12.2007 - Current
High School Diploma -
Morristown Hamblen West HS