KOSHIA BELLAMY
Douglas,GA
Summary
Account Representative with 12+ years of experience in account management, collections. and consumer lending. Proven track record meeting sales targets and minimizing account losses through negotiation, timely lien/title processing, and consistent field outreach; documents 150+ customer interactions and maintains accurate collection records. Skilled at
building customer relationships. resolving delinquencies, and collaborating with sales teams to improve portfolio performance while seeking increased responsibility in supervisory or senior account roles.
Overview
12
12
years of professional experience
Work History
Account Representative/Sales
America's Car-Mart
10.2023 - 09.2025
- Document 150+ customer interactions and update collection records daily
- Collaborate with the sales team to meet sales targets and objectives
- Timely vehicle titling and lien submission processes
- Conduct field visits to customers locations for collections purposes
- Negotiate payment arrangements with customers
- Utilize effective communication skills to build rapport and address customer concerns
Account Representative
Lendmark Financial Services
05.2019 - 10.2023
- Assisted customers with personal loan applications, ensuring accuracy, compliance, and timely processing
- Evaluated financial information to determine loan eligibility and presented appropriate lending solutions
- Maintained and serviced accounts, including payment processing, collections, and account updates
- Delivered exceptional customer service, explaining loan terms and financial products clearly and professionally
- Collaborated with team members to meet branch sales goals and ensure compliance with lending regulations
Account Manager
Aarons Furniture Store
12.2016 - 05.2019
- Approved or declined and issued lines of credit to customers
- Conducted credit investigations, ensuring customers with delinquent accounts were contacted and proper collections procedures were followed
- Helped process credit application in store or over the phone, take payments on accounts and types of sales contracts
- Conducted daily collection calls to customers with payments due or to customers with past due accounts via telephone and home visits as needed
Assistant Manager
Rent a Wheel
08.2013 - 11.2016
- Approved or declined and issued lines of credit to customers
- Conducted credit investigations, ensuring customers with delinquent accounts were contacted and proper collections procedures were followed
- Helped process credit application in store or over the phone, take payments on accounts and types of sales contracts
- Conducted daily collection calls to customers with payments due or to customers with past due accounts via telephone and home visits as needed
Education
Associate's degree - Political Science
Valdosta State University
05.2023
Bachelor's degree - Business Management
Valdosta State University
05.2019
Skills
- Customer relationship building
- Achieving sales targets
- Outside sales
- Client relationship development
- Employee relationship building
Timeline
Account Representative/Sales
America's Car-Mart
10.2023 - 09.2025
Account Representative
Lendmark Financial Services
05.2019 - 10.2023
Account Manager
Aarons Furniture Store
12.2016 - 05.2019
Assistant Manager
Rent a Wheel
08.2013 - 11.2016
Associate's degree - Political Science
Valdosta State University
Bachelor's degree - Business Management
Valdosta State University