Carl Shawn Watkins

**** ***** ******

Philadelphia, PA 19153

(h) 267-***-****

(c) 267-***-****

abi02x@r.postjobfree.com

Objective

It is my objective to obtain a challenging position which will allow me to

utilize my experience and education in Business Management, Financial

Analysis, Accounting and Collections.

Key strengths include:

* Leadership, Knowledge of FDCPA guidelines & Practices

* Financial Operations, Collections, Cash Management and Project

Management

* Management of Accounts Payable, Collections and Receivable

Departments

* Collections expertise in Business to Business, Commercial and

Consumer

* Effective written and oral communication skills

Career History

Senior Collector Specialist, MRS Associates, Cherry Hill, NJ,

04/2010 - 06/2010

* Locate and notify customers of delinquent accounts by mail,

telephone.

* Duties include receiving payment and posting amount to customer's

account.

* Preparing statements to credit department if customer fails to

respond.

* Initiating repossession proceedings or service disconnection.

* Keeping records of collection and status of accounts.

* Confer with customers by telephone to determine reasons for overdue

payments.

* Review the terms of sales, service, or credit contracts.

* Advise customers of necessary actions and strategies for debt

repayment.

* Persuade customers to pay amounts due on credit accounts.

* Sort and file correspondence, and perform miscellaneous clerical

duties such as answering correspondence and writing reports.

* Perform various administrative functions for assigned accounts,

also complete knowledge of FDCPA guidelines and practices.

Accounting Associate, Hobart West Solutions, Philadelphia, PA,

01/2008- 06/2008

* Performed financial activities, commercial collections, business to

business collections, financial reporting, accounts payable and

receivables.

* Establish computerized filing system for credit percentage

improvement in customer accounts utilizing FDCPA procedures.

* Analyzed financial documentation to assess errors, discrepancies

and fiscal irregularities also took appropriate actions to rectify

the financial reporting system.

* Developed internal financial reporting system for Managerial

reports.

* Contacted and counseled with clients to answer and adjust internal

and external discrepancies.

* Collected on accounts 30-120 days past due bringing 85% of accounts

to current status.

Credit/Collection Specialist, American Honda Finance, Charlotte, NC,

05/2006-05/2007

* Completed collection using FDCPA guidelines and practices on

consumer, commercial and business to business accounts.

* Maintained a continuous workflow for collections department on

overdue accounts.

* Skip traced delinquent accounts and arranged for the repossession,

transportation and recovery of merchandise.

* Established account preparation for chapter 7, chapter 11 and

chapter 13 bankruptcies.

* Managed client discrepancies with derogatory credit reporting

issues on delinquent accounts 30-120 days.

* Skipped traced accounts, Up to 500 Active Accounts daily,

Intermediate Credit Decisions Intermediate Collections, strong MS

Excel/Word

* Developed strategic procedures to collect all reimbursable

fees/expenses from clients.

* Effectively brought financial controls for 90% recovery of

merchandise.

* Managed lowest percent of charge-off to minimize company loss.

* Provide consumer credit counseling to delinquent customers.

Mortgage Loan Specialist, GMAC Mortgage, Mt. Laurel,

NJ 08/2000-12/2005

* Reviewed and processed residential mortgage loan applications to

determine eligibility.

* Provided follow up on client financial information.

* Reviewed income guidelines, mortgage criteria and conducted audits

on application funding documentation.

* Completed all documentation to establish accounts for mortgage

funding.

Credit Analyst, Deutsche Financial Services, Mt. Laurel, NJ

01/1998-08/2000

* Supervised accounting team of five employees and evaluated

consumer, commercial and business to business accounts.

* Collected on 30-120 day overdue accounts, made credit decisions for

loans, authorized and approved credit lines to IBM clientele for

computer purchases and set-ups.

* Researched account discrepancies, respond to credit inquiries from

external and internal clients.

* Prepared reports using Dun and Bradstreet system, to include holds,

bad debt, credit applications and financial statements.

* Developed and enhances financial models, while providing ad-hoc

departmental financial analysis.

* Promoted from accountant to credit analyst, 1998.

Accountant,

Deutsche Financial Services, 01/1997-

01/1998

* Managed corporate financial reports for distribution.

* Reviewed credit reports and financial statements for potential

clients

* Administered Dun & Bradstreet reports, overseeing credit risk

customers and monitoring accounts receivables.

* Conducted background checks on prospective customers for financial

approval.

* Maintained collection activity, handled accounts receivable on

delinquent accounts and continuous account monitoring for

improvement in credit standing.

* Directed financial functions for cash management, reporting,

accounts payable and receivable, prepared journal entries for bank

and financial statements.

* Designed and implemented process to improve cash flow to reduce

receivables.

Procurement Accountant, Lockheed Martin Support, Philadelphia, PA,

6/1992-1/1997

* Provided accounting, financial, purchasing and fiscal negotiations

and all contractual support for the United States Navy.

* Responsible for requisitioning, purchasing and receiving functions

as well as invoice processing, accounts payable and general ledger

processing.

* Managed disbursement preparation and approval functions.

* Maintained accounts payable and receivable and inventory control

systems.

* Directed daily purchasing activities, negotiated contracts and

developed cost cutting procedures.

* Updated files for government cost centers, while reviewing

financial reconciliation statements to government fiscal officers.

Education

BSBA Candidate DeVry University, Charlotte, NC

2006 - 2011

Comprehensive Major: Finance /Business Administration

AS in Accounting

Professional Business School, Chicago, IL,

1990 - 1992

Special Skills

Quick Books software Peachtree Financial software MS

Office {Word, Excel, Powerpoint, Access}

AS400 MAS90 Quicken Financial JD Edwards

Solomon PeopleSoft Project Management SQL/ Crystal Report

Cash Applications

Accomplishments

President, Watkins Financial Services

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