Vanessa Fernandez
Phoenix,AZ
Summary
To secure a position with a stable and profitable organization, where I can be a member of a team and utilize my business experience to the fullest and to grow throughout the company.
Overview
10
10
years of professional experience
Work History
Debt Specialist III, Account Ownership Auto Finance
TD Bank
11.2023 - Current
- Manage own queue with assigned accounts daily
- Use skip tracing tools daily to determine best contact phone numbers for customers
- Learned to work quickly while maintaining accuracy and precision in a team environment
- Pay attention to detail on accounts 60-90 days past due to determine repo status
- Assisted in new hiring training
- Utilized analytical skills to evaluate clients financial situations accurately.
- Achieved monthly performance targets consistently by employing proactive strategies in debt collection efforts.
Credit Operations Sr Specialist II, Portfolio Risk Review
JPMorgan Chase
02.2020 - 07.2022
- Analyze existing credit card accounts and determining actions necessary to prevent risk to the bank
- Review client’s performance with bank and credit reports to see if any risk is present
- Provide quality customer service through inbound and outbound queues
- Processed new loan applications for credit cards for both consumer and business
- Reviewed assets
Contact Development Sr. Specialist
JPMorgan Chase
05.2019 - 02.2020
- Made outbound calls to customers that were 180+ days past due
- Skip trace, using Lexis Nexis & Inovice
- Worked 10-12 accounts per hour
- Made appropriate decisions on behalf of customer needs
Consumer Credit Card Specialist 1
JPMorgan Chase
05.2017 - 05.2019
- Build a long-lasting relationship with customers
- Handled both inbound and outbound calls to help bring delinquent accounts current
- Assisted customers with payment program enrollment
- Collected on accounts that were 30-120 days past due
- Credit report knowledge
Collections Agent
Conns Home Plus
04.2015 - 05.2017
- Make outbound calls to customers for delinquent accounts
- Negotiate to bring customers' accounts current
- Empathized to the customer to make them feel valued
- Settle a plan with the customer to assure payments don't fall behind again
- Manage to keep the customer's account from going 30 days delinquent
- Educate customers on different payment options
Education
Diploma -
Tempe High School
05.2014
Skills
- Ability to multitask
- Communication skills
- Effective time management
- Analytical thinking
- Customer service
- Bilingual
Timeline
Debt Specialist III, Account Ownership Auto Finance
TD Bank
11.2023 - Current
Credit Operations Sr Specialist II, Portfolio Risk Review
JPMorgan Chase
02.2020 - 07.2022
Contact Development Sr. Specialist
JPMorgan Chase
05.2019 - 02.2020
Consumer Credit Card Specialist 1
JPMorgan Chase
05.2017 - 05.2019
Collections Agent
Conns Home Plus
04.2015 - 05.2017
Diploma -
Tempe High School
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