Niel Bansraj
Tracy,CA
Summary
Seeking a Credit and Collections position in a professional environment to apply business and technical skills with opportunities to further within the company.
Overview
24
24
years of professional experience
Work History
Collections & Bad Debt Administrator
McGrath RentCorp, Inc.
11.2012 - Current
- Collaborate with attorneys nationwide, assigning accounts for civil litigation and post-judgment activities, including reviewing affidavits, complaints, summons, liens, wage garnishments, and bank levies
- Represent the company in local small claims court cases
- Coordinate with sheriff departments to execute writs of replevin for equipment recovery
- Manage bankruptcy accounts company-wide, preparing proofs of claim and pre-petition filings for courts, as well as post-petition filings for customers
- Monitor active equipment accounts during bankruptcy proceedings
- Conduct skip tracing to locate missing assets
- Handle bad debt collections for post-repossession accounts, including in-depth skip tracing and customer negotiations to settle debts
- Assist credit analysts in evaluating repeat business with past bad-debt customers
- Support company officers with background checks on new vendors and business acquisitions
- Work closely with branches nationwide to recover containers and buildings, including conducting personal site visits for lost equipment
- Collaborate with attorneys to file writs of replevin
- Coordinate with Sheriffs depts for forceful entry for equipment removal
- Develop complex weekly, monthly, and quarterly reports in Excel using formulas, pivot tables, and VLOOKUP functions
- Prepare monthly reports for company officers to write off uncollectible accounts
- Create various collection letters for the department using mail merge functionality
- Assign uncollected accounts to collection agencies, providing all required documentation
- Verify complaints and affidavits for legal action
- Represent the company in court for trial-bound accounts
- Assist agencies with account escalations and legal proceedings
Sr. Collector – Loss Mitigation
Fireside Bank
02.2005 - 07.2012
- Skip trace, educate and motivate customers to payoff, set up payment arrangement or settle their charged off accounts to avoid legal action
- Verify residency, property ownership and employment and prepare accounts for Small Claims or Civil action
- Follow up with process servers, attorneys while accounts are in process for Judgment
- Skip trace, verify employment, and prepare wage garnishment assignment for Judgment accounts
- Follow up with employers, attorneys and sheriff ensuring garnishment payments are received
Accounts Receivable Manager
Labtronix Precision Manufacturing
01.2004 - 02.2005
- Manage General Ledger Accounts, Sales Analysis, bank reconciliations, Accounts Receivable invoicing, billing and collections
- Monitor expenses and adjust budget as needed
- Match A/P invoices, packing slips and purchase orders and enter all invoices in A/P system
- Prepare and Process Company’s bi-weekly payroll
- Trained and managed new hires in the finance department
- Collected and settled aged accounts before referring to Attorney to legal action
- Manage computer network administration and desktop support for entire company
- Manage Customer and Vendor Relations and various errands
Sr Collector / Legal Assistant
Law Office of Michael Galligan
06.2001 - 12.2003
- Bad debt collection for client’s nation wide
- Making and receiving a high volume of calls from debtors regarding past due accounts, making payment arrangements, documenting contact with debtor and following up to ensure payment
- Preparing collection reports for the CFO that tracked all revenue collected monthly and quarterly, preparing monthly closing for credit/collections department
- Designed and maintained company’s highly confidential database
Education
Verified Certificate - Exercising Leadership: Foundational Principles
Harvard Business School - Online
Verified Certificate - Religious Literacy: Traditions and Scriptures
Harvard Business School - Online
Associate of Arts - Computerized Business Systems
Computer Learning Center
San Francisco, CATimeline
Collections & Bad Debt Administrator
McGrath RentCorp, Inc.
11.2012 - Current
Sr. Collector – Loss Mitigation
Fireside Bank
02.2005 - 07.2012
Accounts Receivable Manager
Labtronix Precision Manufacturing
01.2004 - 02.2005
Sr Collector / Legal Assistant
Law Office of Michael Galligan
06.2001 - 12.2003
Verified Certificate - Exercising Leadership: Foundational Principles
Harvard Business School - Online
Verified Certificate - Religious Literacy: Traditions and Scriptures
Harvard Business School - Online
Associate of Arts - Computerized Business Systems
Computer Learning Center
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