Summary
Overview
Work History
Education
Skills
Timeline
Generic

Melissa Bell

Vinemont,AL

Summary

Proven Collections Account Representative at Americas Car Mart, adept in debt recovery and fostering client relationships, significantly enhanced cash flow by exceeding collection goals. Skilled in teamwork and effective communication, my background includes implementing strategies that resolve financial disputes and improve internal procedures, achieving high customer satisfaction and legal compliance.

Overview

2025
2025
years of professional experience

Work History

Collections Account Representative

Americas Car Mart
  • Collaborated on collection and dispute resolution issues.
  • Identified and discussed with management opportunities for improvements to procedures and internal controls.
  • Monitored accounts receivable aging and worked with various areas to address business needs.
  • Responded to requests for new or increased open account credit limits.
  • Communicated effectively with clients, fostering positive relationships while addressing delinquent payments professionally.
  • Provided detailed reporting on collection efforts, enabling management to make informed decisions about account statuses.
  • Maintained detailed records of all collection activities, ensuring accurate documentation and reporting capabilities.
  • Supported departmental objectives by collaborating effectively within the team structure.
  • Enhanced cash flow by consistently meeting and exceeding collection goals.
  • Maintained a high level of customer satisfaction by handling sensitive financial situations tactfully and diplomatically.
  • Reduced outstanding receivables through diligent monitoring and follow-up on overdue accounts.
  • Utilized software tools for effective tracking of outstanding accounts, prioritizing contacts based on risk assessment and potential recovery amounts.
  • Negotiated payment plans with clients to improve overall collections results.
  • Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
  • Maintained high volume of calls and met demands of busy and productive group.
  • Negotiated to collect balance in full.
  • Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
  • Researched accounts and completed due diligence to resolve collection problems.
  • Trained new team members on scripts, company services, and collection strategies.
  • Counseled debtors on payment options and arranged installment agreements.
  • Used skip tracing and other techniques to locate debtors.
  • Assisted in implementing procedures and policies to facilitate timely payments.
  • Responded to customer inquiries and provided detailed account information.
  • Maintained accurate records of customer accounts, payments and payment plans.
  • Monitored customer accounts for payment delinquency and initiated collection efforts.
  • Contacted customers to discuss past-due accounts and negotiated payment plans.
  • Worked with customer to create debt repayment plan based on current financial condition.
  • Established relationships with customers to encourage payment of delinquent accounts.
  • Listened to customers and negotiated solutions that met creditor and debtor needs.
  • Entered client details and notes into system for interdepartmental access and review.
  • Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.

Special Needs Bus Aide

Spur Staffing
  • Supervised students and maintained discipline on bus to reduce driver distraction.
  • Liaised with bus driver to conduct emergency evacuation drills.
  • Communicated with bus driver to meet students' medical, physical and behavioral needs during transport.
  • Informed parents of student behavioral changes to formulate guidelines and solutions.

Office Branch Manager

Golden Propane
  • Supervised students and maintained discipline on bus to reduce driver distraction.
  • Liaised with bus driver to conduct emergency evacuation drills.
  • Communicated with bus driver to meet students' medical, physical and behavioral needs during transport.
  • Informed parents of student behavioral changes to formulate guidelines and solutions.
  • Executed emergency response by employing established protocols and medical guidelines.
  • Placed special needs students in designated seats and fastened and secured seat belts before departure to reduce risk of injury.
  • Partnered with bus driver to load and unload special needs students and equipment for safe departure and arrival.
  • Informed substitute and newly assigned drivers of routes and directions to maintain timely schedule.
  • Responded promptly to any medical or behavioral concerns while en route, prioritizing student health and well-being at all times.
  • Participated in ongoing professional development opportunities to stay current on best practices for supporting special needs students during transportation.
  • Improved student safety by closely monitoring and assisting special needs students during bus rides.

Special Needs Bus Aide

Kelly Educational Services
08.2023 - 05.2024
  • Supervised students and maintained discipline on bus to reduce driver distraction.
  • Liaised with bus driver to conduct emergency evacuation drills.
  • Communicated with bus driver to meet students' medical, physical and behavioral needs during transport.
  • Informed parents of student behavioral changes to formulate guidelines and solutions.
  • Executed emergency response by employing established protocols and medical guidelines.
  • Placed special needs students in designated seats and fastened and secured seat belts before departure to reduce risk of injury.
  • Partnered with bus driver to load and unload special needs students and equipment for safe departure and arrival.
  • Informed substitute and newly assigned drivers of routes and directions to maintain timely schedule.
  • Responded promptly to any medical or behavioral concerns while en route, prioritizing student health and well-being at all times.
  • Participated in ongoing professional development opportunities to stay current on best practices for supporting special needs students during transportation.
  • Improved student safety by closely monitoring and assisting special needs students during bus rides.

Education

GED - High School Education

Wallace State Community College
Hanceville, AL
10.1999

Skills

  • Debt recovery
  • Credit control
  • Payment arrangements
  • Goals and performance
  • Collections
  • Account reconciliation
  • Conflict resolution techniques
  • Performance improvements
  • Records management
  • Legal compliance
  • History research
  • Credit and collections
  • Issue investigation
  • Persuasion techniques
  • Finance
  • Financial statements expertise
  • Payment posting
  • Billing problem resolution
  • Payment plan coordination
  • Balance collection
  • Collection agency relations
  • Skip tracking
  • Payment plan management
  • Organization skills
  • Teamwork
  • Customer service
  • Problem-solving abilities
  • Multitasking
  • Reliability
  • Critical Thinking
  • Team collaboration
  • Effective communication
  • Debt Settlement
  • Data entry skills
  • Professional ethics
  • Self motivation
  • Client relationship management

Timeline

Special Needs Bus Aide

Kelly Educational Services
08.2023 - 05.2024

Collections Account Representative

Americas Car Mart

Special Needs Bus Aide

Spur Staffing

Office Branch Manager

Golden Propane

GED - High School Education

Wallace State Community College

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Melissa Bell