Reanna Diaz
Poth,TX
Summary
Professional with strong analytical skills and background in financial assessment. Adept at evaluating creditworthiness and managing risk, bringing high level of precision to financial analysis and reporting. Known for effective team collaboration and flexibility, ensuring reliable support in dynamic environments. Proficient in financial modeling, credit risk and analysis, with focus on achieving measurable results. With over 12 years of experience in collections and accounts receivables. Employs high-level negotiation skills; to resolve delinquent status accounts to the satisfaction of all involved parties. Analytical thinker, Innovative problem solver, and dedicated Customer Service Representative who is motivated to maintain customer satisfaction. I believe my extensive experience can contribute to your company's success.
Overview
13
13
years of professional experience
Work History
Credit Analyst
Builders First Source
01.2023 - Current
- Analyzed customer data such as financial statements to determine the level of risk involved for extending credit.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Played pivotal role in negotiating terms with distressed accounts, recovering substantial amounts and preventing losses.
- Performed thorough account reconciliations to locate discrepancies and ensure accuracy in company records, avoiding costly errors down the line.
- Prepared spreadsheets using formulas, V-lookup and other intermediate and advanced Microsoft Excel skills.
- Developed training materials and conducted workshops to enhance the skills of colleagues in the Accounts Receivable department.
Credit Specialist
Builders First Source
01.2022 - 01.2023
- Resolve routine credit and collection situations and requests assistance on highly sensitive accounts. Oversees the opening of new credit accounts and requests for additional credit. Compiles bank and trade references, credit reports and business reports.
- Analyze and evaluate credit applications and financial information using sound judgment. May approve credit lines up to a pre-defined limit. Recommends approval/rejection of credit applications to management.
- Answer customer questions regarding account status and billing issues; handles inside sales requests regarding restricted accounts and accounts exceeding their credit limits in order to protect the company from future uncollectible accounts; collaborates with sales and operations management to address payment issues.
- Monitor the collection of past due accounts, contacts customers for payment as well as determines lien rights and possible holds; may address moderately complex situations or escalate to a more experienced specialist or management. Creates collection correspondence and prepares lien documents for management action as needed.
Asset Recovery Officer
Farm Bureau Bank
01.2021 - 01.2022
- Responsible for originating both incoming and outgoing collection telephone calls to customers to establish payment arrangements on past due credit card and installment loans.
- Responsible for queue management of advanced collection activity, specifically late-stage delinquent accounts for consumer and business credit card and installment loans.
- Effectively communicate with internal and external customers including repossession and remarketing vendors.
- Responsible for having an advanced knowledge of documentation methods for all collection activities in a concise and accurate manner utilizing available systems and tools.
- Perform advanced skip-tracing activities.
- Review and recommend accounts for legal action and/or repossession when needed.
- Prepares all necessary letters as required for the repossession and remarketing process.
- Experience with remarketing and otherwise disposing of collateral recovered including repossessions, impounds, voluntary surrenders and bankruptcies.
Leasing Collections Rep II
GM Financial
01.2017 - 01.2021
- Maintain knowledge of processes in relation to loan servicing.
- Follow established procedures for submitting requests to update loan information and customer demographics in the system of record.
- Review system of accounts for payment transactions, including debits and credits to identify errors, verify proof of cleared funds and provide detailed explanations to customers.
- Adhere to company policies and procedures to ensure compliance with state and federal agencies.
- Accurately document the system of record, call disposition and complaint tracking applications.
- Validate credit reporting with payment transactions to ensure Fair Credit Report Act (FCRA) compliance to minimize exposure to legal litigation and customer dissatisfaction.
- Assist customers with navigating payment options and arrangements.
- Utilize effective negotiation skills to resolve customer delinquency, and effectively utilizing payment resources.
- Use probing questions and leveraging information obtained to ensure efficient skip tracing efforts.
- Maximize productive time, managing work queues and ensuring multiple calls are made when appropriate.
- Developing effective internal and external business relationships.
- Improve efficiencies and streamline expenses through innovative ideas for continuous improvement.
Sr Assistant Manager
Security Finance
01.2015 - 01.2017
- Develop and maintain customer relations.
- Provide exceptional customer service.
- Maintain office cash with accuracy and security.
- Achieve account gain through proven loan judgment and effective customer solicitation.
- Ensure compliance with state and federal lending regulations and Company policies.
- Ensure prompt completion of loan applications.
- Minimize delinquent debt through collection activities both by telephone and field work.
- Ensure compliance with company record keeping procedures.
Account Representative
Chacon Autos
01.2013 - 01.2015
- Use all resources available within FDCPA guidelines to contact customers regarding payment of car loan account balances.
- Provide excellent customer service for customers over the phone or chat regarding their accounts.
- Create innovative payment schedules and effectively communicate them to customers.
- Assign repos to repo company locally and out of state.
- Keep and organize account log and handle all tasks related to repossessions.
- Explain the redeeming process to customers and assists when applicable.
- Analyzed applicants' financial status and credit to determine loan feasibility.
Automotive Claims Adjuster
Alternative Claims Management
01.2012 - 01.2013
- Recover claims through direct contact with the responsible party or parties while obtaining recovery goals as set forth in performance objectives.
- Review and evaluate new damage recovery transfers, determining the most effective recovery method
- Review facts of liability, collection potential.
- Negotiate settlements within established lines of authority.
- Refer appropriate files to approved collection agencies.
- Document clearly and concisely all relevant activity on all files and make recommendations for additional activity as appropriate.
- Communicate and escalate claims with high degree of difficulty to direct supervisor.
- Conduct ongoing open communication with clients regarding claims status and prepare and present occasional status reports to client as needed.
- Maintain established damage recovery records.
- Maintain a high level of customer service to both internal and external customers by returning phone calls and acknowledging correspondence in an appropriate timeframe.
Education
Bachelor of Science - Accounting w/ Forensic Fraud Exam Concentration, Organizational Leadership
Southern New Hampshire University
Hooksett, NH05.2028
High School Diploma - undefined
Poth High School
Poth, TX01.2010
Skills
- Fast learner
- Data Collection and Entry
- Typing Speed of 57wpm
- Active Listening Skills
- Skilled in Microsoft 365 Applications
- Attention to detail
- Risk Analysis
- Seasoned in Conflict Resolution
- Sharp Problem Solver
- Energetic Work Attitude
- Adaptive Team Player
- Telecommunications Knowledge
- Strong Interpersonal Communication Skills
- Outbound automatic dialer skills
- Knowledge in Repossession Procedure and Databases (ieRDN)
- Financial statement analysis
- Credit analysis
- Relationship building and management
- Commercial lending
- Proficient in 10-key
Timeline
Credit Analyst
Builders First Source
01.2023 - Current
Credit Specialist
Builders First Source
01.2022 - 01.2023
Asset Recovery Officer
Farm Bureau Bank
01.2021 - 01.2022
Leasing Collections Rep II
GM Financial
01.2017 - 01.2021
Sr Assistant Manager
Security Finance
01.2015 - 01.2017
Account Representative
Chacon Autos
01.2013 - 01.2015
Automotive Claims Adjuster
Alternative Claims Management
01.2012 - 01.2013
High School Diploma - undefined
Poth High School
Bachelor of Science - Accounting w/ Forensic Fraud Exam Concentration, Organizational Leadership
Southern New Hampshire University
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