I am a professional collections/customer experience champion, with strong communication, interpersonal, and leadership skills, who is goal oriented, highly motivated and driven to deliver superior service with optimal results. By leveraging a solid 30+ years of cutting-edge experience within the Credit/Collections, Customer/Financial Services, Marketing/Sales arenas, I consistently utilize courage, creativity, perseverance, persistence, and a passion to win to position myself to be successful at every level of my career.
Overview
23
23
years of professional experience
Work History
Account Representative
Vanderbilt Mortgage and Finance Inc.
Greensboro, NC
11.2011 - 11.2023
Effectively managed a portfolio of mortgage loans (under 30-90+DPD).
Professionally communicated/negotiated with clients to bring current and/or payoff their mortgage loan.
Efficiently utilized time management to meet/exceed daily workload expectations.
Thoroughly analyzed debt-to-income information from clients to ensure the most appropriate payment plan options.
Provided research, ordered home inspections, reviewed//prepared severely delinquent loans for bankruptcy and legal department submission.
Recognized as a "Top Performer" 11 out of 12 years which resulted in monthly/quarterly bonus achievement by successfully meeting and/or exceeding monthly collection goals/targets throughout my tenure with the organization.
Recognized as a "Raving Fans Customer Experience Champion 2021-2023.
Awarded "Vanderbilt Circle Winner" 2018.
Qualified for the annual "Vandy's Award Ceremony" 2021-2023.
Ensured compliance at all levels both internally and externally while adhering to all policies and procedures.
Performed other duties as assigned by management.
Credit Services Analyst
American Express
Greensboro, NC
04.2009 - 07.2011
Strategically called/collected on 0-59-DPD consumer/commercial high-balance/high-risk credit card accounts.
Successfully negotiated with card members to bring current or payoff their debt.
Acknowledged as a "Top 10" revenue producer from 2009-2011.
Recognized by management for being #1 in collector effectiveness in 2010 (Capturing 75% of revenue presented to me.).
Consistently produced revenue in excess of a million dollars monthly.
Creatively leveraged cutting-edge training, experience, and superior service to drive revenue and minimize losses to the company.
Maintained an "A+ rating" on Client Satisfaction Survey Score throughout my tenure with the company.
Commercial Credit Consultant
Dun & Bradstreet
Greensboro, NC
10.2006 - 02.2009
Professionally consulted Small Business Owners on cost-effective ways to establish and/or improve their Commercial Credit Profile.
Assertively utilized B2B needs-based selling techniques to accurately match client needs with Dun & Bradstreet credit building solutions.
Successfully generated sales in excess of $100K annually which contributed to the achievement of the Small Business Credit team target.
Effectively established/maintained excellent rapport with clients through superior service (which led to a less than 10% cancellation ratio).
Proactively followed up with clients to solidify renewal business through up-sell/cross-sell opportunities.
Consistently met/exceeded revenue targets, which resulted in monthly/quarterly awards/bonuses.
Recognized by management as the "Small Business Solution Champion" in 2007 & 2008.
Commercial Collections Manager
International Paper
Greensboro, NC
01.2005 - 06.2006
Efficiently performed A/R Collections Management on delinquent commercial clients within the south central region of the USA.
Effectively assisted the Credit Manager with credit investigation/new account setup for potential clients (via D&B Risk Models).
Consistently developed rapport with clients through exceptional customer service and relationship building.
Passionately worked with Sales division to ensure optimal servicing to drive both new business opportunities and revenue growth.
Aggressively negotiated "win-win" repayment solutions for clients to bring current or payoff their debt.
Successfully surpassed group financial targets for 2005 over 2004.
Loss Avoidance Agent III
Chevy Chase Bank
Greensboro, NC
09.2000 - 12.2004
Effectively managed a $2.5 million dollar portfolio of delinquent Prime/Sub-Prime consumer/commercial loans.
Aggressively negotiated feasible repayment plans for clients to bring current or payoff their debt.
Creatively overcame client objections and increased revenue by 5% while minimizing losses to the bank by 3% year over year during my tenure.
Consistently produced collections revenue in excess of $100K on a monthly basis.
Achieved "Top Agent" honors and incentive bonuses monthly from 2001-2004 for revenue produced and superior client service.