Tabitha Staggs
Hendersonville,TN
Summary
Well-qualified financial systems leader offering demonstrated skill and success in managing internal accounting processes, improving controls and strengthening systems for optimal performance. Proficient in all aspects of accounting, including accounts payable and receivable, budget administration and payroll. Gifted in building and leading solid teams to handle high-volume operations with consistency, accuracy and full compliance with regulatory requirements.
Overview
13
13
years of professional experience
Work History
NCO Credit Manager
Safe Step Walk In Tubs
05.2024 - Current
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
- Developed strong relationships with clients through professional communication and timely resolution of credit issues.
- Enhanced department efficiency by streamlining processes, reducing errors, and automating routine tasks.
- Compliance and Legal Oversight: Ensure compliance with all applicable laws and regulations related to consumer debt collection. This involves staying up to date with changes in legislation, implementing policies and procedures to ensure compliance, and training staff in these requirements. Obtain and maintain a working knowledge of all local, state, and federal laws and regulations pertaining to the management and collection of accounts receivable including but not limited to: The Fair Debt Collection Practices ACT (FDCPA), Equal Credit Opportunity Act (ECOA), Anti-Trust, Liens, Bonds, Record Retention, Sarbanes-Oxley, and the Uniform Commercial Code.
- Manage four A/R & collections associates.
- Analyze and improve operational processes to increase efficiency and effectiveness. This may involve adopting new technologies, streamlining workflows, or optimizing communication strategies with debtors.
- Protect and enforce Mechanics Lien rights on past-due A/R
- Follow up on disputes in a timely manner and work with salespeople and customers to resolve.
- Facilitate bad debt recovery by monitoring potential write-offs and collecting on previous write-offs, and taking legal action when necessary
- Partner closely with business leadership on collection strategy for past-due accounts.
- Tracked business revenue and expenditures and reconciled accounts to maintain high accuracy.
- Reviewed analyzed, and improved the overall effectiveness of existing internal controls over financial reporting.
- Optimized cash flow management through careful analysis of accounts receivable, accounts payable, inventory levels, and working capital requirements.
- Coordinated efforts between the accounting team and other departments to ensure accuracy in interdepartmental transactions recording and proper cost allocation.
- Managed journal entries, collection efforts, reconciliations, and payroll processing.
- Managed banking reconciliations and monthly balance sheet statements.
- Streamlined month-end closing procedures resulting in reduced processing time without compromising accuracy or completeness of the reports generated.
Lead Accounts Receivable Coordinator
Safe Step Walk In Tub
05.2022 - 06.2024
- A/R for North America and Canada.
- Assist financing department in collection processes.
- Streamlined accounts receivable processes by implementing efficient tracking and reporting systems.
- Enhanced cash flow by diligently managing customer credit limits and payment terms.
- Reduced outstanding debts through consistent follow-up on overdue invoices and negotiating payment plans.
- Improved invoice accuracy by thoroughly reviewing billing data before issuing final statements.
- Implementing and following all FDCA procedures and laws.
- Quality Assurance
- Following delinquent and aging accounts closely to determine if further collection actions are needed.
- Enforcing mechanics liens on past due A/R
- Working with sales representatives, installers, and installers to resolve any issues.
- Facilitates a biweekly meeting with Regional Install Managers, Service Managers, and Risk Managers to resolve any outstanding issues.
- Filling in as needed in Accounting for A/R and A/P representatives as business needs require for the entire USA and Canada.
- Collaborated with sales teams to address customer disputes, resulting in prompt resolution and maintained relationships.
- Expedited payment collection with timely submission of invoices and proactive communication with clients.
- Maintained accurate records of financial transactions, ensuring compliance with company policies and industry regulations.
- Supported month-end closing procedures by reconciling accounts receivable ledgers and preparing aging reports for management review.
- Contributed to the development of credit policies that minimized risk while supporting business growth objectives.
- Assisted in the implementation of a new accounting software system, improving overall functionality and user experience.
- Partnered with cross-functional departments to resolve discrepancies in customer accounts, promoting a cohesive work environment.
- Facilitated timely account updates by promptly processing adjustments for credits, discounts, and writeoffs.
- Conducted regular audits of customer accounts to ensure accuracy, identifying potential errors or inconsistencies for correction.
Customer Service Representative Specialist
Central Research, Inc.
04.2020 - 05.2022
- I am currently working on a federal contract assisting Small Business Administration with applications from businesses who were affected by COVID-19 shut downs and losses.
- I take both inbound and outbound calls daily, while reviewing loan paperwork and approving loan documents to the underwriter, or returning to broker for correction.
- The calls I assist with help walk the borrower through loan forgiveness for loans already received, while following all security measures to protect borrower identity.
- Improved customer satisfaction by actively listening to concerns and providing timely resolutions.
- Managed high call volumes while maintaining quality service standards, leading to positive feedback from customers.
- Utilized effective time management techniques to prioritize tasks effectively and meet strict deadlines.
- Handled escalated calls professionally by remaining calm under pressure while working towards mutually agreeable resolutions for all parties involved.
- Participated in regular team meetings to share ideas on improving processes or addressing common challenges faced within the role.
Department of Education AWG Clerk
Central Research, INC
10.2019 - 04.2020
- I reviewed and approved or denied paperwork that was submitted for administrative wage garnishment on delinquent federal student loans.
- In the event an employer had not followed garnishment order, I placed outbound calls to payroll companies to assist with properly executing federal garnishment orders., and helped payroll calculate correct garnishment amounts.
- Assisted with AWG inbound calls for borrowers who needed to file a hardship claim due to administrative wage garnishment.
- Reviewed, and mailed administrative wage garnishment hardship applications to Department of Education for final review daily.
- Increased efficiency by streamlining filing systems and organizing important documents.
- Improved customer satisfaction by promptly answering inquiries and providing accurate information.
- Assisted in financial tasks such as invoicing, budget tracking, and expense report processing for optimal fiscal management.
- Facilitated communication between departments through prompt forwarding of messages and coordination of inter-departmental meetings.
- Supported administrative staff with timely completion of daily tasks, ensuring smooth office operations.
Administrative Wage Garnishment Manager
Premiere Credit Of North America
12.2018 - 10.2019
- Subcontracted with CAI to collect on federally default student loan accounts.
- Excellent communication skills both on the phone, and in person. Going above and beyond in opening a new branch, and aiding management in reporting and training new employees.
- Increased team productivity by implementing streamlined processes and effective communication strategies.
- Achieved departmental goals by developing and executing strategic plans and performance metrics.
- Optimized resource allocation by conducting regular performance evaluations and providing personalized coaching for staff development.
- Established robust risk mitigation strategies to safeguard against potential operational challenges or disruptions.
- Ensured compliance with industry regulations and legal requirements by implementing comprehensive policies and training programs for staff members.
- Cross-trained existing employees to maximize team agility and performance.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
- Reduced operational costs through comprehensive process improvement initiatives and resource management.
Administrative Wage Garnishment Senior Account Rep
Automated Collection Services, Inc
05.2018 - 12.2018
- Subcontracted with Central Research, Inc to assist with delinquent student loan accounts.
- Top collector for the company every month I was with the company and collecting substantial amounts in cash monthly.
- Aiding employees in training, and improving their productivity, and work efforts.
- Participating with management on utilizing the programs to make some tasks easier and freeing up time to work on additional tasks.
- Streamlined account management processes for increased efficiency and improved customer experiences.
- Enhanced client satisfaction by providing exceptional service and addressing account inquiries promptly.
- Mentored junior account representatives, sharing industry knowledge and best practices for career growth.
- Tracked account performance metrics regularly, identifying areas for improvement and implementing necessary action plans.
Administrative Wage Garnishment Team Lead
Windham Professionals Inc.
07.2012 - 01.2016
- Responsibilities include calling and assisting federal defaulted student loans in successfully completing twelve-month program in getting loans into good standing.
- Basic skills include using skip tracing as a method to locate borrowers and delivering in a professional manner.
- Experience with computers, Microsoft word, excel, and spreadsheet.
- Job functions include taking inbound and outbound calls and reaching production goal every month.
- Responsible for new hire employees who reported directly to me until they reached their ninety days with the company.
- Aiding management with reports, and how to improve productivity.
- Enhanced overall team performance by providing regular coaching, feedback, and skill development opportunities.
- Improved team productivity by implementing efficient project management strategies and streamlining communication channels.
- Led cross-functional teams for successful project execution while maintaining strong collaboration among team members.
- Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.
Education
Associate of Science - Accounting And Business Management
Volunteer State Community College
Gallatin, Tennessee05.2026
High School Diploma -
Westmoreland High School
Westmoreland, Tennessee05.2007
Skills
- Responding to Difficult Customers
- Good judgment, problem solving skills, and ability to see the “big picture”
- Calm and Professional Under Pressure
- Efficient and Detail-Oriented
- Customer Account Management
- Customer Data Confidentiality
- Data Entry and Maintenance
- De-escalation Techniques
- Multitasking and Prioritization
- CRM Software
- Microsoft Office Suite
- Administrative and Office Support
- Regulatory Compliance
- Document and Records Management
- Accounts Receivable
- Staff Management
- Financial Reporting
- Account Analysis
- Collections experience
- Account Reconciliation
- Transaction Processing
- Data Entry
- Staff Training
- Accounts Payable and Receivable
- Quality Assurance
- Journal entries
- Payroll processing
- Bookkeeping
- Financial reporting
- Bank reconciliation
- AP and AR management
- Account reconciliation
- General ledger accounting
- Financial auditing
- Invoicing
- Payment collection
- Quickbooks
- Finance
Accomplishments
- Conflict Resolution - Responsible for handling customer account inquiries, accurately providing information to ensure resolution of product/service complaints and customer satisfaction.
- Monetary Transactions - Handled cash, check, credit and automatic debit card transactions with 100% accuracy.
- Used Microsoft Excel to develop productivity tracking spreadsheets.
- Supervised and trained team of 6 staff members, and hit team goal every month.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Collaborated with team of 23 in the development of A/R Report Meeting reducing job issues and leading to completion and payment.
Timeline
NCO Credit Manager
Safe Step Walk In Tubs
05.2024 - Current
Lead Accounts Receivable Coordinator
Safe Step Walk In Tub
05.2022 - 06.2024
Customer Service Representative Specialist
Central Research, Inc.
04.2020 - 05.2022
Department of Education AWG Clerk
Central Research, INC
10.2019 - 04.2020
Administrative Wage Garnishment Manager
Premiere Credit Of North America
12.2018 - 10.2019
Administrative Wage Garnishment Senior Account Rep
Automated Collection Services, Inc
05.2018 - 12.2018
Administrative Wage Garnishment Team Lead
Windham Professionals Inc.
07.2012 - 01.2016
Associate of Science - Accounting And Business Management
Volunteer State Community College
High School Diploma -
Westmoreland High School
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