YOLAND BERNARD

Experience:

Temp-Assignments:

DSV Air & Sea Inc, Clark, NJ 1/2018- 5/2018

Collection Specialist

CCS Collection Agency, Ramsey, NJ 11/2015 - 9/2016

Consumer & B2B- AMEX Collection Specialist

• Performing Consumer & B2B Collections to resolve AMEX CREDIT CARD Judgment account issues by exercising strong Customer Service skills in compliance with Federal requirements.

• Demonstrating a great understanding of Banking policies and credit card regulatory requirements.

• Proactively communicates with financial portfolio higher-ups to resolve credit issues with respect to ensuring proper recovery of outstanding Judgment Accounts through settlement negotiations and/or payment plan agreements.

• Handling over 150 dialer calls per day assessing collateral coverage with respect to reducing DSO

• Exercising the ability to work in a fast paced environment to ensure deadlines are met by handling a queue of over 500 Accounts

• Focus on CS Oriented skills with one call closing deals to meet self-motivated goals.

Direct-Hire Permanent Assignments:

Valley National Bank, Wayne, NJ 2011 - 2015

Consumer/Commercial Loans Collection Associate

• Performing Commercial/Consumer collections and resolve customer’s car loans, credit lines and home Equity lines account issues.

• Demonstrating a great understanding of loan policy and regulatory requirements.

• Proactively communicates with different financial departments to resolve credit

issues with respect to ensuring Recoveries of Outstanding Accounts.

• Exercising the ability to multi-task, prioritize, and meet tight deadlines

• Superior attention to details with a commitment to quality and efficiency

• Handling over 100 calls per day assessing collateral coverage with respect to reducing DSO.

Exercising the ability to work in a fast paced environment with greater understanding of the Generally Accepted Accounting Principle (GAAP) and Bank Policy.

Work very closely with management to identify and resolve trouble accounts, miss-postings and other collection issues.

• Major Focus on CS Oriented skills to meet self-motivated goals and be in compliance with Bank Policies.

Pearson Education, Inc., Old Tappan, NJ 2005 - 2011

Corporate Credit Collection Analyst

• Gather, compile, and maintain basic credit information by working closely with AR, Risk, Accounting, AP and Sales Departments.

• Contact customers regarding delinquent payments and prepare reports reflecting status of credit and collection activity. Knowledge of Fair Debt Collections Practices Act.

• Manage collection activities to maximize cash flow, reduce DSO and improve aging of receivables.

• Exercise strong people skills, considerable discretion in collection activities and obtain internal approvals for credit extensions.

• Assist with special projects as they are assigned using MS Excel and other office programs on the latest ORACLE, SAP, PEOPLESOFT, GREATPLAINS and SALESFORCE systems.

• Process credit applications, verifies credit references, and recommends credit limits.

• Communicate with customers, salespeople, branch managers and all other involved parties to analyze and resolve credit disputes and issues.

• Proven ability to handle multiple tasks effectively and meet deadlines.

• Investigate delinquent accounts, write collection letters, Direct calls to customers, and prepare standardized Forecasting reports on credit/collections status.

• Processing of Applied Cash, Chargebacks, Account Adjustments, transfer of payments, research and resolve non-payments, prepare accounts reports for management using MS Office Software.

• Assist the Accounting area, support the month-end close process, and assist in financial reporting.

• Handling a maximum of a 100 calls (Incoming & Outgoing) a day concentrating on customer service issues.

Education:

CFT- Center for Financial Training, Hartford, CT

Credit Analyst/Bank Commercial Lending Program

Fairleigh Dickenson University, Teaneck, NJ

BS Degree, Finance & Economics (Not-Completed)

Empire Technical Center, Manhattan, NY

A+ Certification in Computers

Morrisville College, Morrisville, NY

AAS Degree, Marketing

Rockland Community College, Suffern, NY

AAS Degree, Business Administration

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