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Credit & Collections Specialist

Yonkers, New York, 10701, United States
November 29, 2018

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Bachelor of Science in Homeland Security Walden University, 2011

Associates Degree Suffolk Community College, 2002


Professional Experience

Underwriter S.O.S Capital

August 2018-present New York, NY

Review all applications for funding

Review bank statements to verify deposits for funding

Review business models

Review applicant backgrounds for legal concerns

Investigate court records for judgements

Make decisions on length and timing of funding

Senior Collections Representative\ Credit Administrator Eastern Funding-Specialty Vehicle Funding Group

June 2013- August 2018 Melville, NY

New York, NY

Take all Credit applications from sales team and enter them into Eastern Funding Loan System

Run customers credit and review credit reports for approval

Make decision if deal is going to final approval from underwriter

Investigate/Skip Trace all information on application. With all internet tools provide

Tools Provided – Secretary of State,,, Watchdog & Google and Yahoo searches of information

Request all proof of all questioned information from possible customer.

Coordinating approvals with operations personnel

Modifying loan requests

Supervising credit officers to verify correct completion of credit duties

Maintaining accurate credit records for future reference

Following strict confidentiality procedures.

Make risk assessment necessary and refer to upper management for further review

Researched and implemented new operating system; trained employees on this operating system

Commercial Collections, Make collection calls, Take payments over the phone, Set up automatic ACH payments for customers

Locate vehicles for repossession on past due accounts via skip trace, using Lexis & internet

Make Decisions on which past due accounts get assigned to our outside collection agency.

Schedule all repossession orders while coordinating with our agents for voluntary and non-voluntary repossessions

Process paperwork for payoffs

Keep track of all repossessed trucks in house as well as when they are sold

Provide spreadsheet to upper management of all repossessions on weekly basis

Attend weekly collections meeting to update all progress and plans of action for legal department

Complete credit reference requests from other financial institutions

Co-Chair of Employee appreciation/engagement committee

Loss Mitigation Specialist Citi Financial

January 2011-June 2013 West Babylon, NY

Ensure proper collection actions by addressing the issues and following procedures/instructions by choosing among alternative courses of action to resolve delinquencies

Control delinquency based on assigned delinquency categories for past due accounts as assigned. Take promises for payment based on assigned parameters; make recommendations on deferments and other problem account solutions to minimize losses

Uses negotiation skills to resolve delinquency issues

Adheres to company policy and guidelines on all collection calls. Documents the computer system in a clear and concise manner.

Utilizes computer software to document calls, analyze customer problems, and resolve basic issues. Utilize all available tools and technology to influence customer behavior with established procedures. Maintains good records about transactions in the folders. Researches problems, such as skip tracing, to enhance customer account maintenance.

Fraud Prevention Representative FiftyOne

June 2010-Sepetember 2010 New York, NY

Review credit transactions in Europe, Great Britain, Asia, Japan, China, Australia, Kuwait, Canada.

Verify if these credit transactions were fraudulent through use of investigative sources.

Cyber Source system experience

Flag fraudulent transactions for review.

Risk/Fraud Analyst First Data Corp.

November 2007- June 2010 Melville, NY

Monitor and review merchant accounts for the following: credit risk, identity theft, and outright fraudulent activity.

Risk Management Work Station Experience.

In charge of 28 and 50 accounts at all times. Accounts must not be in review for any longer than 30 business days.

Must meet a 75 review quota per month. On average 115 per month accounts are in review.

Take part in quarterly trainings to become up-to-date of the newest technology to identify fraud.

Lexis and DNVI System Experience.

Mortgage Processor/Customer Service Representative Platinum Credit Services

October 2006-November 2007 Massapequa, NY

Updating credit reports as requested by clients.

Contacting creditors on potential client’s credit report.

Updating history of payments.

Loan Processor/Customer Service Representative United Land Services

April 2006- October 2006 Hauppauge, NY

Worked with clients in need of loans to help them close on their refinancing loan’s in a timely fashion.

Income Verification

Schedule Closing Dates.

Utility payment verification

Prepare appraisal documentation.

Verification of homeowner’s insurance.

Legal Collector Rubin & Rothman

November 2002-April 2006 Islandia, NY

Call on past due accounts.

Make payment arrangements for those accounts past due.

Levy bank accounts where payment arrangements were unable to be made.

Garnish wages on accounts that legal judgment was made against.

Certificate /Affiliations / Honors

Proficient in Microsoft Office including Excel, Outlook, and PowerPoint

Excellent written and verbal communication skills

Fundraising Experience

Completion of Leadership Conferences

Co-Hosted “The Great American Bake Sale” to feed Long Island’s Hungry Children

Completed CitiFinancial’s Management Training Program (DT2 Program )

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