Experienced with a variety of diverse collections, credit analyzing, accounting finance portfolios, managing critical applications for efficiency.
Professional vision to orientate an reflective approach into a positive resolution.
Team Leader and player with a proactive approach.
Intellect and Skillset Summary
Creative thinker with the ability to make decisions and execute effectively.
Ability to take direction, identify problems, develop solutions, conduct analysis independently and in collaboration with others.
Ability to manage multiple projects with efficiency .
Ability to adapt in an ever changing, fast paced environment.
Diverse inter-personal skills.
Professional verbal and written communication skills.
Detail oriented person with ability to also understand the big picture.
Quantitative skills and ability to work with complex financial models.
Proficient use of Microsoft Office software programs
Analysis Software: V-LookUp, Web-stat, InNovis, LexisNexis, I-vault, Fast Data. CalfPortal software: EFT Payment Systems, Mosaix PDS (tracking), CBR/ D&B systems.
05/2015 – Present
On The Go Movers Chandler, A Z.
Coordinate moving assistance for clients move.
Correspond with U-Haul Web Advisor’s of clients online request to relocate.
Advise support teams of any special requests via clients, with location and timely schedule for assistance.
6mo. (Contracted Fill In)
Toyota Financial Services
Credit Contract Administrator
Tracked, follow-up on receipt of all dealer contracts for booking.
Verifies terms and conditions previously submitted as approved.
Reviewed contract compliance with Truth-In-Lending and Equal Credit Opportunity Acts.
Detailed data entry of contract for booking a batch of contracts.
Verified contract rates/serviceman charges are accurate in accordance to rate letters and special programs.
Reviewed CL/MBI policies for acceptance, and proper completion.
Prepared held offering letters for Supervisor review, correspondence with dealer in reference to contract.
Bank Of America Phoenix, AZ
Sr Consumer Credit Collections
Call In/Out 1st party portfolio collection.
Improvised alternative methods of payment to honor agreements via EPS.
Discuss underlining circumstances to determiner's a financial program – settlement, fix pay, short term, DMP (debt management program).
Account analysis review and revision, recommendations, adjustment of fees, billing disputes, credits.
1yr. (Company Bought Out Overseas)
SatCom Global Inc Chandler, AZ
Sr Credit Control and Collection Specialist
Created Purchase Orders for sales team in correspondence w/b2b ( assigned global regions 6) and consumer (450)+ portfolios
Back Up Lead, Assistance with streamlining performance & strategy projects.
Verified credit worthiness, pulled D&B reports, to set credit limit.
Resolved invoice billing conflicts and updates w/stock.
Collected, negotiated disputes on outstanding invoices, reconciliation on accounts, payments processing via EFC on phone and or correspondence via email.
JP Morgan Chase Tempe, AZ
Sr. Home Equity Collection Spec. III Home Equity Department 11/06 – 11/09
Collect prime portfolios 30, 60, 90, and 120 days outstanding.
Research foreclosure sale information – review underlining circumstances, locate documentation to support the reasoning, Provide the documents in an appeal & file the supplemental claim, discus a resolution, and explain alternative programs being offered pending status of financial hardship and qualification.
Correspond with manager for authorization for submittal of documents via network, fax and carrier.
Applied electronic payments via Fast Pay,EFT, WU and money transfers.
2yrs *Sr. Auto Collection Specialist II Team Lead Chase Auto Finance
Locate, communicate and resolve 0-120 day stage of delinquency portfolios.
Utilize Mosaics PDS (tech software) to track, prioritize and forecast accounts.
Repetitive follow-ups with notations of solution used, authorize proposals for repayment methods via direct check, wire transfers, quick collect.
Verify applied funds, reiterate new payment conditions and obligations.
Honeywell (Contract) Tempe, AZ
Credit Analyst III
Applied collection and risk management tools (ERAM, D&B, financial analysis, etc.) for collection activity.
Reconciliations, addressed recommendations, terms, set credit limits, resolved disputes, and issues for client businesses and B2B accounts on SAP systems.
Worked with senior management and sales staff to attain strategy for high-risk customers.
*American Express Business Phoenix, AZ
Credit Line Analyst
Post credit line payments via (ACH), post reversals, notations of disputes and adjustments.
Upgraded personal and business to business portfolio -business cards.
Maintanance of employees and authorized agents card accounts.
*Credit Analyst II
Strong analytical, negotiating, decision making and problem solving skills used to maintain maximum recovery on Open Small Business Network (OSBN) charge and b2b lending accounts.
Assisted OSBN cardholders with resolving account issues.
Determine credit worthiness of small businesses by reviewing credit reports.
Agua Fria Union High School Diploma Avondale, AZ
Glendale Community College Associates Business Management Glendale, AZ
Alta Computer Business School Certification Window Office Phoenix, AZ
American Express Customer Focus/Under Writer Phoenix, AZ
Building Performance Institute BPI Certification Phoenix, AZ
Goodwill of Central Arizona OSHA 10 Certification Phoenix, AZ
Volunteer with various outreach assistance.