URSULA KOSCIELNIAK

• Developed and implemented tailored payment plans for delinquent accounts, reducing delinquencies and improving cash flow.

• Prepared monthly delinquency reports and identified trends, advising senior management on strategies to minimize collections challenges.

• Streamlined recovery processes and improved recovery rates through detailed analysis of charge-offs, negative balances, and paid-off vehicles.

• Resolved payment discrepancies by utilizing comprehensive payment histories, ensuring accuracy in financial records, and minimizing losses.

• Established and maintained effective relationships with external collection agencies, increasing overall recoveries.

• Coordinated with insurance companies for claim resolutions, and managed title applications, lien releases, and transfers.

• Assisted with internal audits, providing documentation to ensure compliance with regulatory standards, and supporting forced-placed insurance processing.

• Worked closely with repossession agents and bankruptcy departments to minimize financial losses during repossession and bankruptcy proceedings.