Linda Farmer
Newark,DE
Summary
Talented Accounts Receivable Specialist with 7 years' experience in financial services, collections and customer care management across diverse industries. Knowledgeable, analytical and personable with excellent problem solving skills and strengths in areas of credit and collections. Proven to improve workflow efficiencies while maintaining high standards in customer service.
Overview
7
7
years of professional experience
Work History
Senior Credit Anaylst
Beneficial National Bank
Wilmington , DE
07.1996 - 12.2002
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
- Answered customer questions regarding account discrepancies or problems.
- Processed credit limit increases
- Received calls from Credit Analyst to stand in as a manager, when requested by Customer.
- Assisted with processing credit applications, also helped when needed at the help desk.
- Recorded information about status of collection efforts.
- Investigated billing discrepancies and implemented effective solutions to resolve concerns and prevent future problems.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Spoke with customers to learn reasons for overdue payments and to review terms of credit contract.
Credit Analyst
Beneficial National Bank
Wilmington , DE
02.1996 - 07.1996
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Presented key information to upper management and executive team for loan recommendations.
- Collected and organized loan documents before submission to underwriting.
- Assessed customer credit files regularly to review receivables.
- Collaborated with credit association and business representatives to exchange valid credit information.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Understood and followed oral and written directions.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Identified needs of customers promptly and efficiently.
- Planned and completed group projects, working smoothly with others.
Data Entry Clerk
Beneficial National Bank
Wilmington, DE
02.1996 - 03.1996
- Scanned and stored files and records electronically to reduce paper files and secure data.
- Collected and organized information for entry, prioritizing entries to increase efficiency.
- Input client information into spreadsheets and company database to provide leaders with quick access to essential client data.
- Maintained database by entering new and updated customer and account information.
- Remained focused for lengthy periods to accurately perform work with adequate speed.
- Followed data program techniques and procedures to maintain data entry requirements.
- Proofread and edited documents to correct errors.
- Reviewed, corrected or deleted data, verifying customer and account information.
- Exceeded quality goals to support team productivity.
- Contacted customers via phone or email to address data inquiries.
- Detected flaws in customer and account data, resolving issues and communicating with supervisors.
- Addressed data problems, troubleshooting solutions to minimize interruptions.
- Revised standard operating procedures to reflect current practices.
Education
High School Diploma -
Christiana High School
Newark, DE06.1983
Skills
- Credit and Collections
- Managing Delinquent Accounts
- Damage Claims
- Needs Assessment
- Negotiation and Resolution
- Account Investigation
- Database Maintenance
- Word Processing
- Analytical and Critical Thinking
- Bill Processing
- Payment Management
- Verbal and Written Communication
- Denial Appeals Process
- Problem Identification
- Attention to Detail
- Automated Account Review
- Conflict Resolution
- Customer Relationship Management
- Clear Communication
- Microsoft Office
- Credit Extension Negotiation
- Updating Customer Accounts
- Documentation and Recordkeeping
- Pleasant Telephone Demeanor
- Social Perception
- Financial Documentation
- Delinquent Account Notification
- Billing Dispute Resolution
- Administration and Management
- Quality Standards Compliance
- Correspondence Writing
- Personalized Financial Reviews
- Skip Tracing
- Paperwork Processing
- Organizational Skills
- Creative Problem Solving
- Decision-Making
- General Ledger
- Service Quality Standards
- Correspondence Sorting and Filing
- Credit Accounts
- Risk Management
- Statement Issuing
Timeline
Senior Credit Anaylst
Beneficial National Bank
07.1996 - 12.2002
Credit Analyst
Beneficial National Bank
02.1996 - 07.1996
Data Entry Clerk
Beneficial National Bank
02.1996 - 03.1996
High School Diploma -
Christiana High School