Overview
Work History
Education
Skills
Timeline
Generic

Philipina Ka

Duncanville,TX

Overview

14
14
years of professional experience

Work History

Credit Analyst

Matheson Tri-Gas Inc.
10.2024 - 02.2025
  • 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.

Education

High School Diploma -

Duncanville High School
Duncanville, TX
12-2007

Skills

  • Accounts Receivables
  • Collection Analyst
  • Technical Support
  • Skip Tracing
  • Recovery Techniques
  • Payment Posting
  • Auto Collections
  • New Hire Training & Assistance
  • Loan Open/Closing
  • Cash Application, Invoice Processing
  • Funding

Timeline

Credit Analyst

Matheson Tri-Gas Inc.
10.2024 - 02.2025

Priority Banker/Underwriter (Remote)

Regions Bank
04.2024 - 09.2024

Collector 2

Hyundai Capital America
10.2021 - 04.2022

Collections Analyst 3

Ally Financial
06.2016 - 08.2021

Telephone Banker/Cash Reconciliation Specialist

JPMorgan Chase
08.2011 - 09.2015

High School Diploma -

Duncanville High School
Philipina Ka