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.

• Processed recovery and bankruptcy checks to maximize recoveries and ensure accurate reconciliation.

• 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.

• Handled the forced-placed insurance process to ensure accuracy and mitigate potential risk.

• Processed loan modifications, ensuring all changes were accurate and in compliance.

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

• Monitored aging report to prioritize collection efforts on overdue accounts.
• Contacted clients through calls, emails, or letters to follow up on unpaid invoices and ensured they are aware of their outstanding balances.
• Worked with debtors to set up payments arrangements, often negotiating terms to settle outstanding debts over time.
• Worked closely with attorneys to determine appropriate legal steps and escalate cases to ligation when necessary.