Customer Service Representative

MIRANDA CARPENTER _____________

**** **** *** ** *************@*****.***

Arlington TX 76017 Cell: 817-***-****

OBJECTIVE:

To bring to your organization enthusiasm, dedication, responsibility, and

good work ethic, combined with a desire to utilize my collections, customer

service and communication skills obtained through previous work experience.

EXPERIENCE:

United Auto Credit Corporation 11/08-09/10

Loan Service Representative

. Proactively pursue resolution of assigned sub-prime accounts from all

ranges of delinqency in compliance with company policies and state and

federal regulations including the Fair Debt Collection Practices Act.

. Counseling customers on loan service options ensuring successful

fulfillment of contractual obligations.

. Meeting and exceeding monthly minimum delinquency percentage closes.

. Preventing voluntary reposessions and other credit losses through

effective negotiation and appropriate application of collection and

skip tracing tools.

Triad Financial

Loan Service Representative 06/05-11/08

. Collections for mid-range and front-end sub-prime accounts. Utilizing

loan service options and skip tracing tools to minimize delinqency

and credit losses.

. Loss Recovery - Collections on charged off accounts, and arranging for

settlements within company criteria and state laws.

. Ensure timely contact and effective communication with delinquent

customers to ensure early problem detection and resolution to minimize

delinquency and credit losses.

. Thorough documentation of settlement arrangements and sending

appropriate statements of deficiency, in compliance with Fair Debt

Collection Practices Act..

Americredit

Account Representative 07/03-06/05

. Developing excellent rapport with customers while negotiating

satisfactory payment arrangements on accounts from all ranges of

delinquency.

. Responsible for thorough skip tracing, and updating correct contact

information.

. Assisting customers with inquiries regarding account information and

status in compliance with FDCPA guidelines.

. Contacting customers via telephone, e-mail and written correspondence.

. Counseling customers with alternate service options in effort to

satisfy both customer needs and company goals and guidelines.

JB Dental Supply

Customer Service/Accounting 07/00-07/03

. Contacted businesses by phone or written correspondence to make

sufficient arrangements and satisfy past-due balances.

. Auditing and account reconciliation, in effort to provide proof of

debt for delinquent accounts.

. Responsible for processing payments and maintaining daily account

ledgers.

. Processed credit applications, to determine new customers' allowable

line of credit.

. Prepared price quotes and ensured that discounts and credits were

applied correctly, and in a timely fashion.

. Developed sales relationships with government and national accounts,

processing phone orders from start to completion and resolved billing

discrepancies

Loan Link Lending

Customer Service/Loan Processor 12/99-07/00

. Processed auto, mortgage, home equity, line of credit and signature

loan applications for over 100 national financial institutions and

credit unions in accordance with each of their own guidelines and

policies.

. Provided exemplary customer service and educated customers regarding

loan applications, loan status, interest rates and payments.

. Reviewed customers' credit reports with 2 major credit bureaus, and

assisted customers with loan types that both the company and customer

could benefit.

EDUCATION:

Graduate of Kaufman High School Kaufman, TX

1992

REFERENCES AVAILABLE UPON REQUEST

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