Michelle waddoups
Clearfield,UT
Summary
Results-driven Collections Account Manager with over 16 years of experience in debt recovery management. Proficient in collections software and legal compliance, ensuring timely repayment agreements and effective account management.
Overview
25
25
years of professional experience
1995
1995
years of post-secondary education
Work History
Collections Account Manager
Knight Adjustment Bureau
Murray, Utah
11.2009 - Current
- Managed client accounts and tracked payment statuses effectively.
- Utilized collection software to monitor accounts and generate reports.
- Structured repayment agreements with customers to guarantee timely payments
- Partnered with internal departments on multiple initiatives focused on collections management.
- Spearheaded legal initiatives against delinquent accounts as required.
- Alerted customers regarding delinquent accounts while pursuing collection of outstanding amounts.
- Documented and maintained customer personal accounts with precise contact information.
- Facilitated payment processing via phone while establishing recurring drafts.
- Evaluated accounts to assess adherence to payment plan compliance.
- Accommodated demands of busy collections group by conducting high volume of daily calls.
- Executed skip traces on customers neglecting to respond to collection efforts.
- Collaborated with management to pinpoint issues contributing to account delinquency and explore solutions for revenue generation.
- Guaranteed adherence to federal and state collections laws and regulations.
- Leveraged collections software and databases to enhance account management efficiency.
- Structured payment plans with delinquent account holders to expedite debt resolution.
- Processed and recorded customer payments, applying toward account balances.
Senior Collections Representative
United auto credit corporate corporation.
Bountiful, Utah
05.2001 - 09.2009
- Guided junior managers in leadership techniques and team management strategies.
- Oversaw customer accounts ensuring timely payments and adherence to policies.
- Informed customers about payment options and financial responsibilities effectively.
- Executed follow-up calls to notify customers of impending payment deadlines consistently.
- Educated new staff on collection procedures and best practices to optimize efficiency
- Processed returned checks, refunds, adjustments and other transactions as needed.
- Ensured accuracy of records regarding collection activities and payments received.
- Analyzed customer financial situations to identify potential solutions or resolutions.
- Executed monthly evaluations of past due accounts for precision and thoroughness.
- Informed debtors about ramifications of non-payment and possible resolutions.
- Engaged clients to deliver updates on account recovery status.
- Accomplished monthly collection targets by employing effective negotiation techniques.
- Identified and informed customers of delinquent accounts via mail, telephone, or personal visits to solicit payment.
Education
Roy High
Roy, UTSkills
- Collections software
- Payment processing
- Legal compliance
- Repayment agreements
- Detail-oriented
- Negotiation expertise
- Payment plans
- Debt collection
- Stress reduction strategies
- Balance collection
- Debt recovery management
- Data entry
- Location tracking
- Dispute resolution
- Results-driven
- Payment strategy oversight
- Debt collection proficiency
- Strategic decision-making
- Accounts receivable management
Timeline
Collections Account Manager
Knight Adjustment Bureau
11.2009 - Current
Senior Collections Representative
United auto credit corporate corporation.
05.2001 - 09.2009
Roy High