Teresa A. Cortinas
Honey Creek,IA
Summary
Detail-oriented professional with 20 years of experience in collections and credit analysis, demonstrating strong analytical, communication, and teamwork skills. Proven ability to adapt quickly to new environments and contribute effectively to team success. Committed to continuous learning and development, bringing a positive attitude that enhances collaboration and drives results. Prepared to leverage expertise to support organizational goals while further honing professional capabilities.
Overview
28
28
years of professional experience
Work History
Litigation Specialist
Farm Credit Services of America
Omaha, NE
10.2023 - Current
- Assisted in the oversight of litigation activities and distressed loan workouts to ensure compliance and efficiency.
- Ensured adherence to agricultural lending and regulatory standards in all procedural and collection activities.
- Facilitated timely processing of loan packages, enhancing workflow efficiency. Resolved issues with distressed loans and maintained accurate loan documentation.
- Fostered collaboration among customers, external attorneys, and internal teams to drive effective resolutions.
Collateral Specialist
Farm Credit Services of America
Omaha, NE
10.2018 - 10.2023
- Responsible for the collateral security process on new and existing originated Associations' loans and coordinating appropriate Loss Given Default assignments with the Credit Underwriting team.
- Contribute to a team environment by analyzing and facilitating the collateral analysis process for large, complex loans.
- Coordinate with Agribusiness Capital Closing Specialists to achieve lien perfection through filing and recording of all security instruments.
- Manage collateral aspects and steps of the loan process to include reviewing appraisal documents for multiple properties/entities involved, determining assignment of collateral value within respect to loan facilities, and factoring allocation to calculate appropriate loan-to-collateral value.
- Maintain accurate collateral records utilizing Associations' collateral management software to coordinate appraisal information and collateral values with lien perfection instruments.
- Conduct post-closing loan finalizing process including Real Estate lien certification, final title policy, and UCC certifications on chattel property. Certify primary file is complete with all legal documents necessary to support servicing and proof of lien.
Credit Manager
Carrier Corporation, Comfort Product Distribution
Omaha, NE
10.2016 - 10.2018
- Setting up new customers, performed credit analysis, approved orders, and executed collections within the Midwest Region.
- Worked with Sales team to maximize sales and minimize bad debt; collaborated with management to evaluate and improve credit strategies and develop improvements. Monitored for fraud and unusual activity.
- Built customer relationships, contacted customers, and acted follow up consistently on regarding any outstanding credit issues.
- Member of NACM - National Association of Credit Management
Accounting Associate
Bemis Company, Inc./Hood Packaging Corporation
Omaha, NE
10.2014 - 10.2016
- Applied mathematical abilities to calculate and check figures in accounting systems.
- Oversaw documentation and reporting of expenses, sales, and other transactions.
- Addressed and resolved complex and unexpected variances.
- Reconciled company account information and reported figures in general ledger by comparing to monthly bank account statement.
- Applied proper codes to invoices, files, and receipts.
Credit Manager
Bemis Company, Inc.
Omaha, NE
08.1998 - 10.2014
- Managed customer base of approximately 250 and over $9M in receivables, set up credit lines, and approved orders.
- Supervised Accounts Payable Specialist and served as backup when needed.
- Referred delinquent accounts to internal or external collections.
- Monitored accounts for signs of fraud and non-payment; compiled data for bad debt analysis issues.
- Compiled data critical to analysis of annual bad debt.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Skills
- Document review
- Client communication
- Legal research
- Negotiation skills
- Document organization
- Research and data collection
- Teamwork and collaboration
- Problem-solving
- Multitasking
PROFESSIONAL DEVELOPMENT (FCSAmerica)
- Closing and Finaling Loans Secured by Real Estate
- SME for nCino training and testing
- Balance Sheet Workshop, enrolled
- Difficult Conversations
Timeline
Litigation Specialist
Farm Credit Services of America
10.2023 - Current
Collateral Specialist
Farm Credit Services of America
10.2018 - 10.2023
Credit Manager
Carrier Corporation, Comfort Product Distribution
10.2016 - 10.2018
Accounting Associate
Bemis Company, Inc./Hood Packaging Corporation
10.2014 - 10.2016
Credit Manager
Bemis Company, Inc.
08.1998 - 10.2014