Maria I. Velarde
Atwater,CA
Summary
Experienced Bill Collector adept at locating and notifying customers of delinquent accounts through mail or telephone. Proven team player with excellent self-motivation.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Collector
MERCO Credit Union
07.2015 - 03.2024
- Collect on delinquent loans and overdrawn deposit accounts
- Contact delinquent account members via telephone or written communication to secure payment
- Record information about financial status of customer and status of collection efforts
- Recommend repossession or legal action
- Sorts and files correspondence, and recommend extensions of credit.
Nutrition Service Assistant I
San Jacinto School District
San Jacinto, CA
11.2012 - 03.2015
- Assist in the preparation of the main dishes for cooking
- Assist with packing and loading of foods for transport
- Set up for serving and serve a wide variety of lunches and snacks to students and faculty members
- Clean and store dishes, utensils, and cafeteria equipment and food supplies
Collector
Pacific Marine Credit Union
Camp Pendleton, CA
07.2006 - 02.2010
- Recovered overdue loan amounts and checking account deficits
- Facilitated member collaboration
- Provided employees and authorized parties with information on delinquent accounts
- Handled all communication with members via verbal or written modes
- Coordinated timely mailing of relevant collection letters
- Established repayment plans within defined guidelines,
- Implemented skip tracing techniques for delinquent accounts over 30 days
- Executed vehicle loans for repossession aligned with policy and procedure
- Oversaw collection activities within servicing system
- Analyzed financial records for accuracy
- Resolved misapplied payments
- Trained onboarding staff
- Maintained accurate records of all collection activities in the system database.
- Assisted customers with inquiries regarding billing statements and account status.
- Negotiated payment arrangements with customers who were past due on their accounts.
Collector
Data Central Collection Bureau
Fresno, CA
05.1998 - 11.2005
- Collected on delinquent medical and retail accounts; negotiated and arranged payment schedules;
- Initiated litigation and gathered and verified documentation to establish proof of debt for
- Presentation in court; traced missing debtors using skip tracing techniques; investigated disputed
- Claims; located debtor assets for attachment; inputted and retrieved account information into
- Computer system and maintain records; Spanish translator
Collector
City of San Diego City Treasurer Collection Division
San Diego, CA
07.1997 - 12.1997
- Collected city's delinquent account receivables; negotiated and arranged payment schedules;
- Initiated litigation and gathered and verified documentation to establish proof of debt for
- Presentation in court; traced missing debtors using skip tracing techniques; investigated disputed
- Claims; located debtor assets for attachment; input and retrieve account information into computer
- System and maintain records; Spanish translator
Education
Atwater High School
Skills
- Multitasking, strong customer service ethics, dependability, good communication skills, and the ability to perform account file maintenance, while being capable of meeting collection goals Experience with Microsoft Excel
- Outlook and Word
Certification
FDCPA School/ School of Telephone Skip Tracing /School of Professional Telephone Collections/Techniques and Certified Collector
Training
Attended many American Collectors Association seminars
References
Provided upon request
References
References available upon request.
Timeline
Collector
MERCO Credit Union
07.2015 - 03.2024
Nutrition Service Assistant I
San Jacinto School District
11.2012 - 03.2015
Collector
Pacific Marine Credit Union
07.2006 - 02.2010
Collector
Data Central Collection Bureau
05.1998 - 11.2005
Collector
City of San Diego City Treasurer Collection Division
07.1997 - 12.1997
Atwater High School
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