Renee Caruss

• Communicated effectively with customers via phone, email, mail, or other methods.
• Negotiated payment arrangements with debtors in accordance with company policies and procedures.
• Processed returned payments, disputed charges, and other related issues according to established procedures.

Collections Representative for One Main

I am presently serving One Main as a Collections Specialist for personal loans.

• Arranged for debt repayment and established repayment schedule based on customer finances.
• Provide excellent customer service in recoginizing the customer's default issues and resolving quickly and professionally.
• Working in a multi -tasked , team - oriented environment to achieve set goals through programs such as Modifications and Reages.
• Maintianing every day tasks with trackers and excel programming.
• Familiar with One Main customer's and credit ratings and have a clear understanding of One Main's culture and retaining customer's business .
• Negotiated payment plans with customers in arrears or at risk of defaulting on payments.
• Responded to customer inquiries about billing issues, account status, and payment options.
• Reached out to customers to discuss late payments and options for remitting amounts due.
• Collaborated with legal department to initiate litigation against delinquent customers when necessary.
• Managed daily posting of payments to customer accounts.
• Reduced losses by restructuring loan payment plans.
• Collaborated with legal resources and recovery teams to manage default issues.

I served as an Escalations Supervisor with default mortgages for Chase.

•  Handled escalated issues relating to retaining the business of customer's with difficult financail situations to achieve the goal of both collecting serious past due accounts and understanding and helping the customer through a difficult time in keeping a major investment . 
• Able to recoginize and address customer's escalated issues quickly. Able to reach out to various departments to work together to resolve a customer's escalated issue with their mortgage.
• Analyzed an entire port-folio from credit to assets , income to debt in extreme detail and being able to be very analytical to fix financial issues quickly and effectively , 

I served as an Collections Specialist for Citi-Financial. 

• Rectified Collections accounts from 30 days past due to charge-off,
• Team oriented and goal oriented to achieve the goal at hand to provide excellent customer service to customer's in difficult financial situations,
• Multi-tasked enviroment , high stressed environment in maintaining balance of being able to produce high volume of accounts and communicate with the customer in concise, professional manner 
• Creating new programs to be able to assist the customer in achieving a better credit rating with the company and retaining their business for the future,