Terekka Ferguson
Columbus,OH
Summary
Results-focused collections professional with track record of effectively managing delinquent accounts and negotiating repayment plans. Known for fostering collaborative team environments and adapting to dynamic challenges. Expertise in conflict resolution and account management, ensuring reliable and flexible support for organizational goals.
Overview
9
9
years of professional experience
Work History
Debt Collection Specialist
Chase Bank
Columbus,Oh
03.2023 - 02.2026
- Facilitated effective communication through handling both manual and automated outbound calls in a dynamic call center setting.
- Assessed overdue accounts and communicated with customers to clarify payment status and encourage compliance.
- Executed collection strategies to maintain high success rates on overdue accounts, ensuring timely recovery of funds.
- Nurtured customer relationships to promote on-time payments and streamline account resolution efforts.
- Engaged with customers to negotiate tailored payment solutions, effectively reducing the risk of accounts entering collections.
- Managed high-volume collections through effective communication and negotiation techniques.
Credit Analyst
Upstart
Columbus, OH
05.2021 - 01.2023
- Reviewed and finalized credit applications, guaranteeing compliance with company policies and standards prior to submission to credit authorities.
- Managed escalation of credit issues to ensure adherence to regulatory compliance and mitigate risk.
- Gather internal financial data about loan applicants, including payment habits, history, earnings and savings
- Analyzed credit data and financial statements to assess risk levels for loan applications.
- Developed comprehensive reports on creditworthiness, influencing lending decisions and policies.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Chat Support Representative
Abercrombie & Fitch
New Albany, OH
04.2019 - 02.2021
- Managed multiple chat sessions simultaneously while maintaining quality communication.
- Analyzed customer feedback to identify trends and recommend process improvements.
- Developed and implemented templates for frequently asked questions, streamlining responses.
- Monitored chat performance metrics to ensure adherence to service level agreements.
- Enhanced customer satisfaction by providing timely and accurate responses to inquiries through chat support.
Student Advisor
Colobri Group
Westerville, OH
01.2017 - 03.2019
- Advised 5 students on effective strategies for making productive choices and achieving academic goals.
- Oversaw individual educational goals and helped each student stay on track.
- Evaluated at-risk student situations and proposed actionable solutions to foster academic achievement.
- Evaluated and determined transfer credit from various institutions.
- Advised students on academic programs, course selections, and career planning.
Education
Associate's degree - Associate of Arts
Columbus State Community College
Columbus, OH05-2017
Skills
- Goal oriented
- Debt settlement
- Portfolio management
- Client relations
- Debt recovery
- Persistence
Timeline
Debt Collection Specialist
Chase Bank
03.2023 - 02.2026
Credit Analyst
Upstart
05.2021 - 01.2023
Chat Support Representative
Abercrombie & Fitch
04.2019 - 02.2021
Student Advisor
Colobri Group
01.2017 - 03.2019
Associate's degree - Associate of Arts
Columbus State Community College