Theresa Violet Baggenstos
MDR
Tempe,AZ
Summary
Top producing collections and expert in the
Auto Collection's Industry for over 20 years. Motivated individual with experience in customer service and sales. Skilled in building customer relationships and understanding customer needs. Strong communication and interpersonal skills for providing superior customer service. Meticulous, excellent at juggling multiple tasks while working under pressure.
Overview
24
24
years of professional experience
Work History
Independent Sales Consultant
Work Source
2023.09 - Current
- Negotiated prices, terms of sales and service agreements.
- Built relationships with product manufacturers and vendors of related products and services to cultivate referral network.
- Implemented creative problem-solving techniques when faced with challenges or obstacles during sales process.
- Developed, maintained and utilized diverse client base.
Member Debt Account Manager
USAA
2020.08 - 2023.08
- Improved cash flow by proactively identifying potential credit risks before extending credit terms to clients.
- Contacted customers to collect outstanding payments via one-time or negotiated installment methods.
- Followed prescribed scripts and maintained friendly but firm attitude with full knowledge of contractual requirements and legal remedies.
- Monitored over100 customer accounts for payment delinquency and initiated collection efforts, each month.
Late-Stage Account Manager
Santander Consumer USA & Chrysler Capital
2016.10 - 2020.04
- Proactive in resolving account delinquency through positive customer relationships.
- Successful managing over 100 accounts; minimized risk exposure by focusing on collections of automobile loans through inbound and outbound calls.
- Managed loss control activities such as collections, insurance and repossessions.
- Interacted with clients in accordance with state and company guidelines (FDCPA), while working in fast-paced changing environment. Established proven follow-up and negotiations skills.
Collections Account Manager
Wells Fargo Dealer Services
2008.05 - 2016.09
- Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.
- Maintained up-to-date knowledge of industry trends and developments, applying new approaches as needed to improve overall collections performance.
- Negotiated settlements with customers facing financial hardship to maintain goodwill while recovering outstanding debt.
- Deployed automated system tracking and skip tracing to locate hard-to-find, re-located customers.
Education
Associate of Arts - Business
Portland Community College
Portland, OR07.1992
High School Diploma -
Canby High School
Canby, OR06.1979
Skills
- Superior organizational skills
- Savvy experienced negotiator and resolution-oriented,
- Strong attention to detail and listening skills.
- Team player, dependable, reliable, Integrity, cheerful and energetic for challenge to exceed company goals,
Timeline
Independent Sales Consultant
Work Source
2023.09 - Current
Member Debt Account Manager
USAA
2020.08 - 2023.08
Late-Stage Account Manager
Santander Consumer USA & Chrysler Capital
2016.10 - 2020.04
Collections Account Manager
Wells Fargo Dealer Services
2008.05 - 2016.09
Associate of Arts - Business
Portland Community College
High School Diploma -
Canby High School
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