Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Certification
Affiliations
Languages
Timeline
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Ray Wells

Lexington,SC

Summary

Diplomatic and assertive collector with excellent customer service and customer relations skills. analytical team-player with mastery in accounting, Persistent, firm and consistent in abiding by all policies and procedures. Exceptional interpersonal and problem-solving skills. Effectively mediates customer disputes and collects payment in timely manner. Excels through nonconfrontational negotiation and reasoning.


Overview

4
4
years of professional experience
1
1
Certification

Work History

Collections Representative

Truist, Service Finance Company
04.2023 - 10.2023
  • Collections support specialist providing administrative support and conflict resolution in delinquency; deferment, charge off, and forbearance resolutions
  • Collecting payment on active standard and promotional loans
  • Record keeping of transaction history enacting protocol and curating client accounts
  • Initiating equity loan change agreements, Authorizing credit and employment inquiries, lien processing, Issuing Payoff Statements, Execution of settlement agreement and offers
  • Exigency collecting defaults, hardships, complaint filing, UCC liens, and Charge-off delinquencies.
  • Handled 150 outbound and inbound calls daily with goal of collecting owed debt resolute.

Loan Officer

Triton Capital Lending, Financial Services
02.2023 - 04.2023
  • Evaluate and authorize approvals in commercial business lines, funding, and capitalization
  • Managing disbursement and disclosures
  • Generating Merchant Cash Advances, Term Loans, Equipment and Mortgage Financing, Factoring, credit card processing, and Payroll services
  • Abiding FINRA, TILA, CFPB regulatory policy & protocol
  • Growing and maintaining client relations, evaluating financial reports, managing investment portfolios
  • Investigating financial health backgrounds.
  • Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
  • Maintained strict confidentiality of bank records and client information.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.

Sales Account Manager

Williams Babbitt & Weisman, Inc.
01.2021 - 01.2023
  • Generating sales
  • Facilitating demand coordinating commercial business accounts
  • Executing claim placement, legal, and collection administration
  • Maintaining transparency managing financial claim resolution
  • Relationship development establishing clear channels of communication resolute
  • Cultivated client pipelines, managing commercial claims and placement, collecting payment, promoting sales to foster cross- and up-selling driving revenue growth.
  • Consistently exceeded monthly sales quotas by more than 80% by pursuing leads and expanding prospect list.

Legal Assistant

GM Law Firm, National Legal Staffing LLC
01.2020 - 01.2021
  • Exigency toward legal correspondence, legal report analysis conducting detailed legal research, responding to summons and complaint, coinciding cease and desist demands, conducting credit checks, corresponding FCRA request, providing supplemental ECOA letters of credit, researching public records
  • Liaise with attorneys and clients to devise further legal process and procedure protocol
  • Maintained legal library and supporting legal documents to further assist law practice attorneys.
  • Organized documents to manage paper and electronic filing systems of clients.
  • Maintained strict confidentiality, protecting sensitive client information as required by legal ethics and regulations.
  • Streamlined administrative processes for better efficiency in handling caseloads, reducing paperwork backlog, and ensuring timely completion of tasks.

Education

Credit Certification in Automotive Service Technology -

CCC- Service Advisor Professional College
Lake Worth, FL
12.2018

Construction management -

Everglades University
Boca Raton, FL
10.2008

Construction management -

PBCC
Boca Raton, FL
08.2008

High School Diploma -

Boca Academy Senior High School
Boca Raton, FL
06.2007

Skills

  • Credit and Collections
  • Communication and negotiation
  • Conflict Management
  • Data visualization and email communication
  • Data Entry
  • Credit analysis
  • Debt Negotiation
  • Financial counseling
  • Account Reconciliation
  • MLS
  • Lexis Nexius
  • Westlaw
  • Microsoft Office
  • Google Suite
  • IOS
  • CRM
  • KPI
  • Team Player

Accomplishments

  • Achieved over 2mil collection quarterly revenue gross by completing foreign and domestic campaigns with accuracy and efficiency.

Certification

  • IRS Certified Tax Preparer, 2023-2024
  • FDIC Regulatory Reporting general awareness, 2023-2024
  • HIPAA Certified, 2017-2024
  • Truist Anti-Money Laundering (AML) Foundation, 2023-2024
  • I.T. security awareness certified, 2017-2024
  • Business and Technology Continuity Awareness, 2023-2024
  • Truist Information Protection, 2023-2024
  • Enterprise Risk Management, 2023-2024
  • Registered Behavioral Health Technician, 2017

Affiliations

  • ABA American Bar Association Advocate
  • FDIC Federal Deposit Insurance Corporation Advocate
  • HIPAA Health Insurance Portability and Accountability ACT Advocate
  • Board Of Education Advocate
  • Solid Waste Authority Advocate
  • Palm Beach County Food Bank Volunteer
  • Palm Beach State College Counseling center and Food pantry Volunteer
  • Boca Raton YMCA Volunteer
  • APA American Psychological Association Advocate

Languages

Spanish
Professional Working

Timeline

Collections Representative

Truist, Service Finance Company
04.2023 - 10.2023

Loan Officer

Triton Capital Lending, Financial Services
02.2023 - 04.2023

Sales Account Manager

Williams Babbitt & Weisman, Inc.
01.2021 - 01.2023

Legal Assistant

GM Law Firm, National Legal Staffing LLC
01.2020 - 01.2021

Credit Certification in Automotive Service Technology -

CCC- Service Advisor Professional College

Construction management -

Everglades University

Construction management -

PBCC

High School Diploma -

Boca Academy Senior High School

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