Tanjaneka Thomas
Griffin,GA
Summary
Talented Senior Collections/ Accounts Receivable Specialist with 15 years' experience in financial services, collections and customer care management across diverse industries. Knowledgeable, analytical and personable with excellent problem-solving skills and strengths in areas of credit and collections. Proven to improve workflow efficiencies while maintaining high standards in customer service.
Overview
16
16
years of professional experience
Work History
Senior Collections Specialist
Atlanta AutoStar
12.2015 - 02.2024
- Made approval and denial recommendations by determining accurate risk levels.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Determined and documented loan conditions and communicated requirements and decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Supported review and acceptance or denial of new or renewal business.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Managed portfolio of high-risk clients, implementing tailored underwriting guidelines to minimize losses while maintaining growth opportunities.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Enhanced collections efficiency by implementing strategic plans and procedures to optimize revenue recovery creating 85% increase.
Branch Underwriter/Account Manager
JD Byrider/CNAC
04.2011 - 10.2015
- Made approval and denial recommendations by determining accurate risk levels.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
Senior Collector/Team Facilitator
Compucredit
11.2007 - 04.2011
- Aide in control of credit card & payday lending delinquencies
- Maintained consistently high success rate of collecting on overdue accounts.
- Mediated customer satisfaction meetings to meet company standards
- Managed escalation calls for immediate resolution
- Assist with training new collections for team driven goals
- Provided beneficial assistance to customers from 30-180 days past due through in-house programs
- Worked in call center environment handling manual and automatically dialed outbound calls.
Education
High School Diploma -
Fredrick Douglas HighSchool
Atlanta, GA 05.1993
Skills
- Persuasion techniques
- Collections duties
- Great attention to detail
- Call center experience
- Skip Tracing
- Account management
- Negotiation to resolved debt
- Application Review
- Risk Management
- Client Relations
- Caseload Management
- Repossession Specialist
References
Available upon request.
Timeline
Senior Collections Specialist
Atlanta AutoStar
12.2015 - 02.2024
Branch Underwriter/Account Manager
JD Byrider/CNAC
04.2011 - 10.2015
Senior Collector/Team Facilitator
Compucredit
11.2007 - 04.2011
High School Diploma -
Fredrick Douglas HighSchool
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