Seasoned Collection Representative with 20 years' experience in the collections industry. Highly skilled negotiator and very comfortable working with high balance accounts. High scoring call audits and known for excellent customer service.
Overview
11
11
years of professional experience
Work History
Account Manager
Central Portfolio Control
01.2024 - Current
Improved customer satisfaction by promptly addressing and resolving collection inquiries and concerns.
Streamlined the collections process for enhanced efficiency and accuracy in tracking delinquent accounts.
Reduced outstanding receivables by consistently following up on overdue payments and negotiating payment arrangements.
Developed strong relationships with customers through empathetic communication and active listening, resulting in increased trust and cooperation during collections efforts.
Educated customers on their financial obligations, offering guidance on budgeting and repayment options tailored to their individual circumstances.
Conducted thorough investigations of disputed charges, ensuring accurate billing information was provided to customers while maintaining strict adherence to company policies.
Maximized recovery rates by implementing innovative collection techniques that balanced customer needs with company goals.
Ensured compliance with all applicable federal, state, and local regulations governing debt collection activities while protecting consumer rights.
Negotiated settlements within approved guidelines while preserving positive customer relationships whenever possible.
Proficiently managed a high-volume workload of inbound calls from customers seeking assistance with their past-due balances.
Maintained strict confidentiality of sensitive customer information, adhering to company policies and industry regulations regarding data privacy.
Collections Representative
Professional Service Bureau
09.2012 - 01.2024
Advised debtors on payment options and set up payment plans.
Reasoned with customers and attempted to negotiate full balance payments.
Handled irate customers smoothly to achieve performance targets.
Handled contracts and payments on accounts.
Used effective questioning techniques to clarify why debtors were delinquent.
Entered customers' financial status information into system.
Utilized skip tracing resources to complete background checks and loan documents.
Consistently met or exceeded monthly goals through hard work.
Upheld privacy and security requirements for customer information.
Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
Notified customers of delinquent accounts with attempt to collect outstanding amounts.
Processed payments over phone and set up recurring drafts.
Arranged for debt repayment and established repayment schedule based on customer finances.
Recorded and updated customer personal accounts with accurate contact information.
Education
High School Diploma -
Centennial High School
Circle Pines, MN
1990
Skills
Automated dialer experience
Installment plan set up
Skip tracing
Effective negotiator
Team-oriented
Persuasion strategies
Call center background
Friendly voice
Self motivated
Policy standards and guidelines
Accomplishments
Recognized as Employee of the month and Top Collector for outstanding performance .
Worked on special teams such as High balance, Attorney and International Team.
Consistently maintained high customer satisfaction ratings.
Additional Information
I am an active Volunteer for Chap Ministries. We provide Christmas and Birthday presents to Senior Citizens in Nursing homes. I love being a blessing to Seniors in need.