Professional Summary

Skills

Work History

MICHELLE CRUZ-CONCEPCION

Skokie, IL 60077 ad4yj7@r.postjobfree.com Results-oriented Collections Specialist dedicated to exceeding goals and reducing company debt. Expert in skiptracing and proficient in the art of nagotiation. Advertising strategies

Customer relationship development

Microsoft Office proficiency

Issue investigations

General ledger accounting expertise

History research

Finance

Account Specialist 01/2018 to 03/2020

Unifin – Niles, IL

Researched, analyzed and settled disputes .

Researched accounts and completed due diligence to resolve collection problems. Monitored accounts for compliance with established payment plans and flagged those in violation.

Created documents for court such as affidavits, modifications and forbearance agreements. Discussed options with delinquent clients in terms of proposed solutions or foreclosure. Trained new team members on scripts, company services and performance strategies and provided mentoring.

Negotiated to collect balance in full.

Achieved performance goals on consistent basis.

Handled 100 outbound and inbound calls daily with goal of collecting owed debt. Maintained high volume of calls to meet demands of busy group. Delivered exceptional customer service on all calls while maintaining calm and professional demeanor in challenging circumstances.

Collected documents and made portfolios for collections accounts. Used probing techniques to determine debtors' reasons for delinquency. Used skip tracing and other techniques to locate debtors. Skiptracer 06/2016 to 01/2018

Etech 360 – Skokie, IL

Monitored social media and online sources for industry trends. Increased customer satisfaction by resolving issues. Compiled exceptional notes for each case, including movements of individuals and collected documentation.

Produced professional reports outlining findings of cases, expenses incurred and any important incidents.

Collections Specialist 01/2011 to 06/2015

Financial Management Systems – Rolling Meadows, IL Researched, analyzed and settled disputes.

Researched accounts and completed due diligence to resolve collection problems. Monitored accounts for compliance with established payment plans and flagged those in violation.

Created documents for court such as affidavits, modifications and forbearance agreements. Discussed options with delinquent clients in terms of proposed solutions or foreclosure. Trained new team members on scripts, company services and performance strategies and provided mentoring.

Negotiated to collect balance in full.

Achieved performance goals on consistent basis.

Handled 100 outbound and inbound calls daily with goal of collecting owed debt. Maintained high volume of calls to meet demands of busy group. Delivered exceptional customer service on all calls while maintaining calm and professional demeanor in challenging circumstances.

Set up drafts and processed immediate payments after conducting thorough research and analysis of account.

Collected documents and made portfolios for collections accounts. Used probing techniques to determine debtors' reasons for delinquency. Negotiated bids with investors for notes and sales to market delinquent mortgage notes. Helped clients plan payoff plans for various types of loans, including commercial, home equity, mixed use and multi-family.

Checked packages for demand letters and loan authorizations before sending to clients. Collections Specialist 01/2009 to 01/2011

VanRu – Skokie, IL

Researched, analyzed and settled disputes.

Researched accounts and completed due diligence to resolve collection problems. Monitored accounts for compliance with established payment plans and flagged those in violation.

Created documents for court such as affidavits, modifications and forbearance agreements. Discussed options with delinquent clients in terms of proposed solutions or foreclosure. Trained new team members on scripts, company services and performance strategies and provided mentoring.

Negotiated to collect balance in full.

Handled 100 outbound and inbound calls daily with goal of collecting owed debt. Maintained high volume of calls to meet demands of busy group. Achieved performance goals on consistent basis.

Delivered exceptional customer service on all calls while maintaining calm and professional demeanor in challenging circumstances.

Set up drafts and processed immediate payments after conducting thorough research and analysis of account.

Collected documents and made portfolios for collections accounts. Used probing techniques to determine debtors' reasons for delinquency.

Contact this candidate