Tracy Santos
Santa Rosa,CA
Summary
Dedicated, efficient, and results-driven professional experienced in business
management, various A/R and A/P functions and accounting processes. Proactive
with a strong foundation in billing, credit & collections, and account
maintenance. Excellent organizational skills detail oriented, strong analytical skills
and ability to prioritize, multi-task and meet deadlines.
Overview
14
14
years of professional experience
Work History
Data Analyst/Collections Specialist
Akraya Inc./Bank of the West/BMO
Remote
07.2022 - 01.2024
- Assisted incoming and outgoing collection calls to secure payments on past due loans and credit cards, on average 82 calls daily
- Other duties as assigned
- Tracked and followed up on 500 plus titles with MATS
- Reduced Title Report by 25% and brought follow up times within 30 days of last follow-up, within 4 months
- Gathered, organized, and formatted data to ensure accuracy and completeness of data transmitted to prepare for auction
- Examined, verified and tracked all documentation required to complete motor vehicle transactions inclusive of, but not limited to: title and registration applications, manufacturers statements of origin, dealer bills of sale, certified and regular VIN inspections, insurance certificates, affidavits, death certificates and powers of attorney.
Lock Desk Analyst
Point Mortgage Corp
Remote
01.2020 - 06.2022
- Processed pricing & repricing of loan locks for 110 requests daily
- Followed up on expiring loan locks to extend or cancel as needed as well as hedge groups
- Stay informed of investor requirements changes to ensure adherence to all applicable requirements
- Experienced in using “Optimal Blue” program
- Loan Adjuster
Loan Adjuster
Nelson Associates/Community First CU
Corporate Office Santa Rosa CA
09.2017 - 12.2019
- Responding to 30 plus emails and completing 80 plus calls daily addressing customer inquiries and solving problems
- Performed targeted collections on 400 plus accounts and assessed them to formulate payment plan, discuss restructuring options, modification of loan
- Aged receivables were reduced by 23% in 10 months
- Managed receivables by skip tracing, processing lien Notices, insurance claims, accessed credit records to evaluate customer history and reviewing for outside collections agency.
Senior Accounts Receivable Specialist
Healdsburg Lumber
Healdsburg CA
12.2015 - 08.2017
- Sound understanding of financial accounting and business processes including month end procedures and journal entries
- Knowledge of construction lien laws and payment bond process
- Set up new accounts review for credit limit and credit worthiness
- Maintained A/R records, prepared statements, bills, and invoices
- Reconciled credit card payments as well as checks, wires, and daily cash payments received on sight and by mail for 2 store locations
- Crossed trained covering entire A/P process including check run.
Cancellations Service Specialist
First American Home Buyers
Santa Rosa CA
12.2011 - 11.2015
- Processed daily average of 180 warranty cancellations as per state guidelines while maintaining 3% accuracy in processed refunds per company guidelines each month
- Contacting homeowners as needed to review questionable payments needing explanation
- Worked closely with accounting supervisor to resolve claims screen in processing calculation problems, improve operations, and provide exceptional customer service.
Office Manager
Northwestern Utility Billing
Santa Rosa CA
02.2010 - 11.2011
- Maintained monthly duties for accounts payable, accounts receivable, bank reconciliations and payroll functions
- Other duties as assigned.
Skills
- Full understanding of GAAP
- Microsoft Office Applications at intermediate level
- Remains calm under pressure
- Customer service specialist
- Strong understanding in accounting software incl QuickBooks
- Solid technical skills to manage and process financial transactions
- Certificates in Accounting and Human Resources Obtained
Timeline
Data Analyst/Collections Specialist
Akraya Inc./Bank of the West/BMO
07.2022 - 01.2024
Lock Desk Analyst
Point Mortgage Corp
01.2020 - 06.2022
Loan Adjuster
Nelson Associates/Community First CU
09.2017 - 12.2019
Senior Accounts Receivable Specialist
Healdsburg Lumber
12.2015 - 08.2017
Cancellations Service Specialist
First American Home Buyers
12.2011 - 11.2015
Office Manager
Northwestern Utility Billing
02.2010 - 11.2011