Kristen Hecht

* I manage a territory of credit customer accounts to identify past due accounts, payment trends, analyze risk, and work out payment agreements to bring accounts back into good standing.

* Collaborated with cross-functional teams to streamline billing processes and improve cash flow.

* Review credit applications to determine credit worthiness, assess risk, and validate legitimacy of the application. During the review process and validating the application I look for fraud and identify inconsistencies.

* I created the fraud preventative SOP for the credit & finance teams. This process has prevented the fraudulent loss of millions of dollars to date

* I review sales reports and file UCCs when necessary within the allotted timeframe to achieve lien perfection.

• Reviewed credit applications to mitigate risk and determine credit worthiness. Reviewed and revised report information on a weekly basis.
• Evaluated credit applications to determine risk levels and compliance with lending policies.
• Analyzed financial documents and credit histories for loan approval recommendations.
• Collaborated with loan officers to clarify applicant information and enhance decision-making processes.

• Submitted accounts for litigation, ensuring accurate coding and documentation for collection or bankruptcy processes.
• Analyzed member accounts to identify and resolve delinquency issues.
• Developed recovery strategies to mitigate losses and enhance collections efficiency.
• Collaborated with legal teams to manage complex recovery cases and compliance requirements.

• Answered member phone calls, providing assistance with account transactions and resolving inquiries.