Stacia Kearse-Thomas
Colton
Summary
Experienced and self-motivated Collections Specialist with over 15 years of experience in financial services. Demonstrated expertise in leading teams, resolving complex issues, and optimizing risk-related processes. Recognized for strong interpersonal, negotiation, and organizational skills, and for adapting effectively in fast-paced, high-pressure environments.
Overview
17
17
years of professional experience
Work History
Senior Collector – Credit Card
Bank of America
05.2023 - 06.2025
- - Managed outbound/inbound calls on severely delinquent accounts.
- - Offered customized solutions to mitigate losses and avoid charge-offs.
- - Assisted with onboarding and employee readiness coordination.
- - Collaborated with leadership to enhance high-risk processes.
- - Participated in risk reviews and contributed to operational reporting.
Auto Collection Senior Specialist
Bank of America
Brea
08.2008 - 05.2023
- - Trained and mentored new employees in auto collections.
- - Served as Subject Matter Expert for Auto and Specialty loans.
- - Negotiated settlements and handled post-charge-off accounts.
- - Conducted advanced skip tracing to locate unreachable clients.
- - Addressed escalated issues and supported team operations.
Collector I
Bank of America
Brea
08.2008 - 02.2014
- - Handled collection calls using a predictive dialer system.
- - Assisted customers with hardship programs and repayment options.
- - Delivered customer support across multiple financial products.
Education
High School Diploma / GED - Massage Therapy
Concorde Career College
06-2004
Skills
- Office Tools: Microsoft Excel, Word, PowerPoint, Outlook, Teams
- Collection Systems: CROSS, EPP, ALS, RMS, BOSS, Vector, Linx
- Document Management: FileNet, Image View
- Research Tools: Lexis Nexis, UCRS, NexGen
Core Competencies
- Leadership & Mentoring
- Collections & Risk Mitigation
- Customer Relations
- Negotiation & Conflict Resolution
- Process Improvement
- Training & Development
- Microsoft Office & Banking Systems
- Skip Tracing & Investigations
Leadership & Recognition
- Member of S.W.A.T. (Service With Action Team)
- Recognized for leadership during training and operational transitions
- Known for composure in high-pressure environments
Timeline
Senior Collector – Credit Card
Bank of America
05.2023 - 06.2025
Auto Collection Senior Specialist
Bank of America
08.2008 - 05.2023
Collector I
Bank of America
08.2008 - 02.2014
High School Diploma / GED - Massage Therapy
Concorde Career College
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