26 West Lexton Road w w H. w email@example.com
BANKING AND CUSTOMER SERVICE PROFESSIONAL
Self-starting, goal-oriented strategist whose confidence, perseverance and vision promote success. A professional; highly skilled at organizing complex projects, defining project priorities, and delegating tasks . S upervisor with 9 years of experience in customer service, credit analysis and collections environments. Excellent written and verbal communication skills with the ability to collaborate with all levels of an organization, internal and external clients. Professional skills also include:
w Proficient in Microsoft Office Suite w Internet Conversant
w Proficient with Lotus Notes w Mosiax Dialer
w F-Serv Operating System w ICE, SAP
w WordPerfect w Excel Privet Tables
Government Treasury Debt Recovery Collections Specialist 1/2009 to Present Time
Progressive Financial Service, Inc. Eddystone Pa .
Manage Commercial Business to Business portfolios, ensuring overall team delinquency customized contingency fee and fee for service collection options to meet the specific needs of each client we represent. With Government Clearance, PFS specializes in recovering past due accounts receivable while maintaining the relationship our clients have with their customers or students and managing government collection projects for local municipalities, state departments, and the federal government, working closely with government offices as Government Contract Administrators and Contract Collection Managers. Extensive skip trace, asset investigation, and workout processes coupled with a strong working knowledge of skips, repossessions, claim settlement, fraud investigations. Always maintaining a high level of urgency with respect to all transactions. Conducts visits to the properties of defaulted accounts with the aim of establishing contact with the customer, discussing workout options.
Collections Supervisor, 11/2007 to 2009
Flagship Credit Corporation, Chadds, Fords, PA
Trained motivated and coached a team of 5 to 8 employees. Monitored collection procedures and performance of subcontracted collections personnel. Planned and organized workflow for non-pay and collection procedures for field and office personnel. Assisted with escalated calls and provide solutions to minimize situations and increase customer satisfaction. Prepared various reports including incentives, collection bad debt, and call activity. Developed and implemented calling strategies to enhance the ability to direct and maximize the company’s Mosiax auto dialer system. Utilized knowledge of bankruptcy and court proceedings. Collected large commercial accounts and 3rd Party collections. Assisted with special projects, the education of new employees and other tasks as assigned by management.
Analyzed credit data to determine the degree of risk involved in extending credit. Demonstrated the ability to independently evaluate and make consistent, quality credit decisions that produce acceptable ratios and returns for the company. Developed sufficient dealer relationships that ensured volume objectives and credit quality. I captured automotive finance contracts that met Flagship’s profitability criteria for pricing and performance. Worked with (DRM) on an as needed basis to secure deals and provide excellent customer service, that will enhance the relationship with the dealership credit department.
Senior Credit Analyst, 2005 to 2007
Discover Financial Services, Newark, DE
Reviewed approval to loan applications in accordance with guidelines of the Truth and Lending Act.
Ensured quality and accuracy in making an adequate credit decision of perspective customer. Minimized the exposure to profit loss. Participated in lending small businesses and the general public; unsecured lines of credit from $50,000 up to $2.5 million based on the customer credit history. Received lending authority of ten thousand dollars.
Claims Analyst, 2004 to 2005
Bank of America, Newark, DE
Responded to written inquiries, billing disputes by resolving issues at the first point of contact. Initiated the dispute process, ensured completeness, constructed timelines, accuracy and compliance with departmental policies. Initiated monetary adjustments and input non-monetary adjustments as defined by existing bank policy and applicable regulations.
Collections Supervisor, 2003 to 2004
Trained, motivated and coached a team of 12 to 16 employees to obtain department standards of excellence. Managed and tracked accounts receivable and implemented credit/collection procedures to improve customer retention. Ensured accurate record keeping pursuant to outside collection/credit agency fees. Organized dialer campaigns to strategically map out calling list to enhance the point of contact and minimize delinquency and profit loss. Monitor employee productivity by utilizing operating systems and providing feedback with representatives and management.
MBNA, Newark, DE
Senior Credit Analyst, 1999 to 2002
Reviewed approval for loan applications in accordance with guidelines of the Truth and Lending Act. Ensured quality and accuracy in making an adequate credit decision for perspective customers. Minimized the exposure to profit loss. Engaged in lending small businesses and general public unsecured lines of credit for consumers and commercial accounts from $5,000 up to $5 million dollars based on the customer credit history.
Wilmington University, DE
Pursuing Masters of Science in Financial Management (12/10)
Wilmington University, DE
Bachelor of Science in Finance, 2002