Collections or Collections Manager or Collections Supervisor or

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    OVERVIEWo Excellent Negotiatoro Diversified Support Professionalo Customer Satisfaction Advocateo Accomplished Collection Specialisto Detail Oriented & Highly Organizedo Self-motivated & Success Orientated

    KEY QUALIFICATIONS:

    A talented problem-solver with excellent negotiation talents who has engaged insupportservices for the over twenty years and debt collections for the past five years.

    Performance confidence fostered from a progression of experience from the groundup andhas supplied diverse abilities for managing within a wide range of professionalpositions.

    Skillful communication which addresses any support, debt collection, or operational needtoward a satisfactory resolution with every stake holder involved.

    Highly proficient in the collection process, the technology used to facilitate accountmanagement, and the policies/strategies that intensify client retention and resolve creditdelinquencies.

    Optimistic about successfully meeting complex challenges and properly motivatedto resolvedelinquencies and manage the collection of money!

    COLLECTIONS EXPERIENCE:

    CitiFinancial AutoFebruary 2009 - September 2010Centennial, COCollection Specialist III

    Achieved delinquency goals on an account portfolio ranging from $1.3 to $1.8Million 85% ofthe time, while keeping repossession and loss standards below company goals eachmonth.

    Tactfully problem solve and probe into the client's reasons for delinquency in order to counsel

    and educated on the loan contract and their financial responsibilities, obligations and optionson the account in both English and Spanish.

    Overcome rebuttals, stalls, and objections to payments, negotiate payment arrangements,make recommendations and provide solutions to assist clients in resolving theirdelinquentstatus.

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    Submit accounts without resolve for voluntary surrender, involuntary repossession, or chargeoff as bad debt as required by company policy.

    Review the account information, update the client record and record the call results.

    Carry out skip trace duties and request field visits to locate the client and the vehicle.

    Linebarger, Goggan, Blair & SampsonMay 2008 - November 2008Denver, COLegal Assistant - Colorado Collections

    Utilized state statutes and legal precedent to send collection accounts to courtto seekrestitution through judgments, liens, levies and garnishment.

    Reviewed system diaries to maintain and monitor accounts. Analyzed and determined theimpact of the collection activities taken and made informed decision for the most effective

    collection method.

    Analyzed and evaluated the debtor's liability and the amount due as accurate andensurednegotiations with the debtor benefited agency partners. Helped the debtor understand rightsand arbitration process.

    Determined the payment decision-maker and assessed their payment record to understandwhy the account is past due; checked for disputes or problems, if on file read aTransUnionand Experian CBR.

    Investigated and researched for the debtor's locale, their assets, real and personal property(i.e. -vehicles, bank accounts, wages or other sizable assets).

    Bay Area Credit Service / TrueLogic Financial Corp.June 2005 - May 2008Englewood, COCollection Specialist Pre-arbitration

    Skip traced for employers by checking telephone records and directories, identifying new

    address information using Accurint Deep Skip Search or using Accurint Dept.of Motorvehicle search.

    Coordinated efforts with refinance agencies for mutual collection of debt or negotiation of anequitable division of a refinance loan. Negotiated payment and methods of payment.

    Finalized pre-arbitration actions by managing the pre-arbitration process for ac

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    counts (NEW- LAG status).

    Reviewed and implemented payments according to company policy with the debtor. Explained theconsequences for failing to comply with repayment plan.

    Proactively managed PPE, NPC, NSF, BRK accounts and facilitated any alternate paymentthat met the time frame and cash forecasting for my monthly collection goals.

    Regularly discussed current account status, line of credit, and original contract details withSpanish speaking debtors.

    EDUCATION:New Mexico State UniversityAssociates of Applied Science - Spring 1985Engineering Technology - Microprocessor Electronics

    SPANISH:o Speak Fluentlyo Read Proficiently

    o Write Competently

    WORK HISTORY:

    Independent Contractor09/2001 to PresentConsult on various technological efficiencies, facilitate the outlineof requirements for technical projects and coordinate the scope ofwork, provide avenues for best practice policies and proceduresrelevant to technology and information system management.

    Linebarger, Goggan, Blair, & Sampson

    Denver, CO05/2008 to 11/2008Collection of delinquent accounts subject to legal remediesbeyond frontline resolve which includes sending accounts toobtain judgments in order to get liens, levies, and garnishments.

    Bay Area Credit - TrueLogic FinancialEnglewood, CO06/2005 to 05/2008Collect money using the 8 Steps of collection, following FDCPAguidelines for a wide range of collection accounts (out-of-statue,active, new, pre-arbitration, low/high balance ($50 - $60K).

    AMICODenver, CO11/2004 to 06/2005Hired, lead, and managed 14 eBusiness staff members to supportthe addition of 335 AIMCO communities within a 3 month timeframe.

    InduStream TechnologiesGolden, CO05/2000 to 11/2000Partnered within an advisory firm specializing in Digital PrePress

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    training and variable data technologies.

    Kinko's CorporateDenver, CO12/1997 to 04/2000Managed regional technology programs (all branch technology) for45 branches covering 5 states and including 4 regions.

    KinkonetVentura, CA04/1995 to 12/1997Managed proof of concept project which evolved into the nowcurrent electronic file submission techniques available as e-commerce solutions on the website today.

    Kinko'sCosta Mesa, CA03/1994 to 04/1995Pioneered the start-up of the computer consultant program, whichprovided technical support for customers and co-workers.

    US NetWorksMission Viejo, CA10/1991 to 03/1994

    Established a privately owned and operated copier, fax, and PCsales, service, and support business.

    Ultragraphics Copier ShowroomIrvine, CA10/1991 to 10/1993Problem diagnosis & repair of high volume color and black/whitecopier equipment within a coverage area extending across LosAngeles County, Orange County, and Ventura County regions.

    Hughes AircraftEl Segundo, CA10/1990 to 10/1991

    Coordinated the output of any new and pending copy job detailsfor the Xerox Docutech and 5090, both extremely high volumecopy systems.

    Konica Business MachinesCompton, CA08/1988 to 10/1990Performed service, maintenance, installation, and refurbishment ona wide range of copier and fax products.

    The Glass ShopNorwalk, CA12/1986 to 06/1988

    Manage office and business operations for a custom glass shop.Coordinated work loads for the installation of commercial,residential, and custom car glass products.

    Hughes AircraftCanoga Park, CA05/1985 to 10/1986Investigated, analyzed, and solved malfunctions in missile andaircraft simulated stations and hardware.

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    Long Beach Naval ShipyardLong Beach, CA05/1981 to 05/1982Performed adds/moves/changes on blue prints for naval ship radarand radio system. Responsible for the inspection of systemconditions before, during and after installation/retrofit.

    New Mexico State UniversityLas Cruces, NM06/1979 to 06/1980Lab assistant to three professors with doctorates degrees inmicrobiologist and biochemist who were performing lipid analysison behalf of Shell Oil.