Responded to requests for new or increased open account credit limits.
Facilitated clear communication between company representatives and clients regarding billing discrepancies, leading to swift resolutions.
Send out Proof of Delivery, invoices, emails, calls, faxes and demand letters to large companies for collection.
Managed an extensive portfolio of accounts while maintaining excellent attention to detail, minimizing errors during the collection process.
Ensured compliance with relevant laws and regulations governing debt collection activities, reducing organizational risk exposure.
Enhanced cash flow for the company with timely collection efforts on overdue accounts.
Maintained strong relationships with clients to ensure prompt payment and encourage repeat business.
Analyze multiple data sources for potential bad debt losses, as well as summarizing aging reports.
Investigated customer credit references and approved credit lines.
Priority Banker/Underwriter (Remote)
Regions Bank
04.2024 - 09.2024
Provided customer service to clients, answering inquiries, and resolving complaints.
Investigated fraudulent activities by analyzing transactions, identifying suspicious patterns, while filing customers' disputes.
Helped customers use mobile applications as tech support for online banking, as well as resetting user IDs and passwords.
Managed escalation calls with knowledgeable support and professionalism to satisfy customers' needs and protect bank reputation.
Reviewed loan applications, credit reports, financial statements, and other documents to assess the risk associated with extending credit or approving loans.
Collector 2
Hyundai Capital America
10.2021 - 04.2022
Managed customer accounts by obtaining payment information, updating records on overdue loans, and collecting on past due payments.
Conducted skip tracing (I/e Lexis Nexis, Tlo, People finder etc.) To locate missing customers with overdue accounts, while ensuring the assets are safe.
Negotiated rates and payments with customers and filed certain payment assistance (if possible).
Prepared legal documentation required for collection and repossession activities.
Administered and conducted inbound and outbound calls to right parties, as well as third parties.
Filed legal documents against delinquent debtors.
Collections Analyst 3
Ally Financial
06.2016 - 08.2021
Negotiated repayment terms with customers in order to resolve an outstanding auto loan debt.
Conducted skip tracing activities to locate missing assets or customers for further collection efforts.
Conducted inbound/outbound calls, left voice messages, emails, and letters in an attempt to contact customers.
Negotiated extensions to assist customers in paying overdue accounts to help get current.
Processed payments through credit cards, online banking, and third parties such as MoneyGram and Western Union.
Located and notified customers of delinquent accounts by mail, telephone, or personal visits to solicit payment. Prepared documentation required for collection and repossession activities.
Trained and coached less experienced team members in procedures, compliance standards and performance strategies.
Telephone Banker/Cash Reconciliation Specialist
JPMorgan Chase
08.2011 - 09.2015
Provided customer service, answering inquiries and resolving complaints, and claims/disputes.
Advised customers on various banking products/services, such as loans, investments, and credit cards.
Performed daily reconciliation of bank accounts to ensure accuracy of records.
Conducted risk assessments on potential loan applicants to assess creditworthiness.
Investigated fraudulent activities by analyzing account transactions and identifying suspicious patterns.
Tracked payments made through ACH and wire transfers, verifying information against banking records.