UNIQUIKA LUCKETT
Charlotte,USA
Summary
Dynamic professional with extensive experience at Ally Financial, excelling in credit analysis and risk mitigation. Proven track record in enhancing dealer onboarding processes and resolving delinquent accounts through effective communication and strategic negotiation. Adept at process improvement and fostering team collaboration to achieve performance targets.
Overview
22
22
years of professional experience
Work History
Dealer Credit Administrator
Ally Financial
Charlotte, NC
06.2021 - Current
- Onboard dealerships into specialty credit programs with a focus on regulatory compliance and process accuracy.
- Verify and process documentation while updating internal systems for seamless dealer activation.
- Manage task workflows and generate daily reports to meet departmental performance targets.
- Investigate and reconcile dealer financial transactions, ensuring accurate chip money allocations.
- Collaborate cross-functionally with internal stakeholders to support risk and credit evaluation.
High-Risk Collections Representative
Ally Financial
Charlotte, NC
11.2020 - 06.2021
- Resolved delinquent accounts through inbound/outbound calls, applying empathy and efficiency.
- Performed skip tracing, account reviews, and payment negotiations to reduce delinquency.
- Provided strategic input on customer behavior and risk mitigation techniques.
- Consistently met and exceeded performance metrics and contributed to team knowledge sharing.
Implementation Benefits Representative
Alight Solutions
Charlotte, NC
09.2017 - 11.2020
- Led implementation support for retirement benefit systems and customer onboarding.
- Provided education and live support via calls and chat, ensuring satisfaction and accuracy.
- Identified process improvement opportunities to streamline operations and enhance customer experience.
Legal Assistant / Emergency Dispatcher
Convergys Corporation (GM OnStar)
Charlotte, NC
11.2006 - 10.2017
- Assisted attorneys with case preparation, legal research, and client document coordination.
- Operated as a trained emergency dispatcher, handling critical situations with composure and speed.
- Improved internal record-keeping and communication processes to support client service delivery.
Residential Counselor
Elon Homes for Children
Charlotte, NC
04.2003 - 11.2006
- Provided direct care and behavioral support for at-risk youth in a residential setting.
- Documented resident progress, implemented intervention plans, and created a structured, safe environment.
Education
Associate of Science - Criminal Justice
Belmont Abbey College
Belmont, NC01.2017
High School Diploma -
York Comprehensive High School
York, SC01.1999
Skills
- Credit Analysis & Documentation
- Dealer Enrollment & Verification
- Collections & Recovery Strategy
- Risk Mitigation & Resolution
- Customer Relationship Management
- Process Improvement
- Microsoft Office Suite
- SharePoint
- Cognos
- Effective Oral and Written Communication
- Team Collaboration
References
Available upon request.
Timeline
Dealer Credit Administrator
Ally Financial
06.2021 - Current
High-Risk Collections Representative
Ally Financial
11.2020 - 06.2021
Implementation Benefits Representative
Alight Solutions
09.2017 - 11.2020
Legal Assistant / Emergency Dispatcher
Convergys Corporation (GM OnStar)
11.2006 - 10.2017
Residential Counselor
Elon Homes for Children
04.2003 - 11.2006
Associate of Science - Criminal Justice
Belmont Abbey College
High School Diploma -
York Comprehensive High School
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