Customer Service Accounts

Rafael A. Frias ** Eisenhower Ave. Brentwood NY **717 cell# 631-***-**** email: *************@*******.***

OBJECTIVE

Seeking a full time position as a credit collections representative with a company where my professional experience will be utilized to make an immediate contribution to the company.

PROFESSIONAL EXPERIENCE

Honeywell ADI – Melville October 2014- October 2015 Credit Analyst (Contract Position/Temp Position)

Responsible for evaluating credit risk, making recommendations on and/or setting credit limits on new accounts and following an established procedure on collections.

Processes credit applications, trade inquires and outside credit references.

Collects, maintains, reconciles and manages assigned A/R portfolio.

Approve or deny customer pending order(s) based on account status in a timely manner.

Assists cash application when requested for the purpose of identifying payments received.

Activities include establishing and maintaining contact with customers concerning past due invoices, payment trends, resolution of disputed invoices, and other matters related to past due receivables

Bank United – Melville February 2014 – October 2014 Senior Collection Specialist

Contact customers who are delinquent in the repayment of their loan to obtain payments, commitment agreements and/or make payment arrangements.

Answers inbound calls and works with callers to resolve questions and make payment arrangements.

Negotiates forbearance repayment schedules for delinquent mortgages/automobiles accounts.

Maintain daily follow up of delinquent accounts to ensure adherence to repayment schedules, keep complete contact records of such activity.

Rubin & Rothman – Islandia, NY December 2007 – January 2014

Collections Analyst

•Received incoming telephone calls and gave professional customer service help to customers about questions on delinquent accounts

•Documented consumer contacts on system(s) of record

•Identified, initiated, and facilitated resolution of customer issues

•Negotiated payment arrangements on past owing accounts receivables(Spanish speaking debtors as well)

•Utilize an auto dial-or direct dial system to initiate customer contact and determine reason for delinquency

•Evaluate customers’ financial situation and negotiate for full payments or create terms for repayment

•Responsible for meeting monthly goals and/or quota of amounts set by the company

•Skip trace to find and collect on delinquent accounts using Accurint, 411 and TRW and Power Finder

•Processed accounts for garnishment and bank and/or all assets restraints.

•Prepare and mail collections letters of all defaulting accounts as allow under FDCPA

Glacial Star Group- Hauppauge, NY September 2005 – October 2007 Team Lead/collection Specialists

•Responsible for calling business customers and collect on bad debt

•Implementing new collection software established by the company

•Responsible to audit calls for quality assurance in the department

•Second voice calls on any litigious commercial accounts

•Punch all information on commercial accounts into companies billing system

•Answer customer inquiries about account status

•Prepare and mail collections letters of all defaulting accounts as allow under FDCPA

•Skip trace to find and collect on delinquent commercial accounts using Accurint

Expert Recovery- Farmingdale, NY March 2001 – August 2005 Collection Specialist

•Determined most effective and economical means of collection for monies owed; composed correspondence requiring knowledge of procedures and practiced in collections and also send a variety of standard collection letters

•Maintained files on all past due commercial accounts, documented details of methods utilized to secure payment

•Utilized available resources and skip tracing techniques to ascertain locations of persons with past due accounts

•Contacted customer and establish reason for past due account situation; made arrangements for payments to bring account current and followed up to ensure obligation is satisfied

•Advised customer with past due accounts of proper payment scheduled and the principles of credit and credit standings

•Provided Financial counseling to discuss and resolve the debt situation for all commercial accounts and restructured or revised payment terms within well-established limits and procedures; recommended hardship or other deferments when appropriate to supervisor

•Recommended accounts to be turned over for litigation.

•Translated all outgoing letters to spanish all meeting FDCPA regulations

EDUCATION

Brentwood Sonderling High school-Brentwood, NY May 1995 Suffolk Community College –Brentwood, NY June 1998 Business Administration

SKILLS

Fluent in spanish(verbal and written)/MS Word/Windows 7/Powerpoint/MS Excel/AS400 collection system and other collection software, basic quickbooks.

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