Lori Scott
USA
Summary
Highly Motivated professional with 25+ years in the customer service industry, seeking to transition into a fulfilling and meaningful position with a great company leveraging the skills I have acquired throughout the years.
Overview
30
30
years of professional experience
Work History
Underwriter
MOHELA
Chesterfield, MO
11.2024 - 08.2025
- Analyzed and evaluated financial data, credit reports, and Co-signer release applications to determine risk levels and make underwriting decisions
- Reviewed and assessed co-signer release applications and financial documents for accuracy, completeness, and compliance with company guidelines
- Maintained accurate records of all underwriting activities including correspondence, documentation, and decision rationale
- Consistently met or exceeded underwriting targets and quality goals set by the company
Collections Specialist and Underwriting
Navient
Wilmington, DE
05.2014 - 10.2024
- Managed a Portfolio of 180 Day delinquent accounts, preventing charge off and support to ensure timely and effective debt recovery
- Negotiated payment arrangements with delinquent customers
- Developed and maintained relationships with clients to facilitate prompt resolution of billing inquiries and disputes
- Analyzed credit reports and financial statements to assess the ability of customers to repay debts
- Maintained accurate records of all communication with customers, including phone calls, emails, and letters sent
- Developed customized repayment plans based on individual customer circumstances while adhering to company policies
- Performed risk assessments on potential clients before extending credit terms
Collections Representative
Sallie Mae
Wilmington, DE
01.2009 - 04.2014
- Managed a portfolio of customer accounts in the Charge Off Department, ensuring timely collection of outstanding payments
- Developed strong relationships with customers through regular communication, providing exceptional service while collecting on past due accounts
- Assisted customers in setting up payment plans based on their financial capabilities, resulting in increased recovery rates
- Consistently met or exceeded monthly collection targets by employing effective strategies for prioritizing accounts based on risk level and potential for recovery
Accounts Receivable and Payable Clerk
Willis Chevrolet
Smyrna, DE
09.2001 - 01.2007
- Processed and verified invoices, purchase orders, and expense reports for accuracy and completeness
- Managed accounts payable aging report to ensure timely payment of vendor invoices
- Reconciled vendor statements and resolved any discrepancies in a timely manner
- Maintained accurate records of all accounts payable transactions in the accounting system
- Assisted with month-end closing activities by preparing accruals and reconciling accounts payable balances
- Collaborated with purchasing department to resolve pricing or quantity discrepancies on invoices
- Responded to vendor inquiries regarding payment status or invoice issues promptly and professionally
- Reviewed employee expense reports for compliance with company policies before processing reimbursement payments
- Performed regular audits of accounts payable processes to identify areas for improvement and implement best practices
- Developed and maintained strong relationships with key vendors, resulting in improved communication and issue resolution
Collections Representative
MBNA Bank
Dover, DE
03.1995 - 07.1998
- Managed a portfolio of 30,60,90 and 120 day customer accounts, ensuring timely collection of outstanding payments
- Utilized effective negotiation and persuasion techniques to successfully recover delinquent payments from customers
Education
Associates - Accounting (Business)
Wilmington University
Dover, DEHigh school diploma - Business
Dover High School
Dover, DETimeline
Underwriter
MOHELA
11.2024 - 08.2025
Collections Specialist and Underwriting
Navient
05.2014 - 10.2024
Collections Representative
Sallie Mae
01.2009 - 04.2014
Accounts Receivable and Payable Clerk
Willis Chevrolet
09.2001 - 01.2007
Collections Representative
MBNA Bank
03.1995 - 07.1998
Associates - Accounting (Business)
Wilmington University
High school diploma - Business
Dover High School