Nicky Rainford

678-***-****

ad2hir@r.postjobfree.com

Professional Summary:

• 8+ years of experience in Collections, Customer Service and Underwriting

• Responsible for collection of past due accounts aged 120 + days

• Strong interpersonal, analytical, and problem-solving skills used to negotiate and establish appropriate resolutions for customer delinquent accounts.

• Completed a high volume of Inbound/Outbound calls for Department of Education and Sallie Mae

• Efficient with Microsoft Software (Word, Excel, Outlook)

• Available for interview within 24-48 hours’ notice and available to start ASAP. PROFESSIONAL EXPERIENCE

CVS Health

Help Desk Representative

August 2023- Current

• Complete prescription overrides for doctors and Pharmacist. A & S Healthcare Services

Caregiver

April 2023- June 2023

• Provided care for elderly patients and full-time caregivers. Performed duties including bathing, providing medication, assisting with doctor’s appointments, making dinner and grocery shopping. Care Plus, Inc

Caregiver

September 2022- February 2023

• Provided care for elderly patients and full-time caregivers. Performed duties including bathing, providing medication, assisting with doctor’s appointments, making dinner and grocery shopping. Joetta’s Jovial Private Homecare Agency, LLC

Caregiver

June 2022- July 2022

• Provided care for elderly patients and full-time caregivers. Performed duties including bathing, providing medication, assisting with doctor’s appointments, making dinner and grocery shopping. Carvana

May 2021 –May 2022

• Provide Coordination and management with clients to ensure sure they understand all aspects of the program.

• Collect, review, and analyze credit history and credit card statements with clients.

• Served as liaison between clients and attorneys. Santander Consumer USA Inc.

Dealer Funding Analyst

January 2015- July 2019

• Underwriting reviewing and analyzing documents for funding

• Evaluated approvals against established bank and government lending standards.

• Reviewed financial statements and contacted institutions and customers to clarify details.

• Ensured documents are compliant to Truth in Lending procedures and CFPB regulations.

• Identified discrepancies within deal parameters in the structure of contracts and recommended constructive feedback.

• Maintained integrity and control of commercial retail and lease contracts while ensuring that terms and deal structures meet legal requirements.

• Reviewed contracts and credit applications for completeness, proper signature, and accuracy.

• Validated contract rates and special programs in accordance with Financial Bulletins Financial Asset Management Systems

Senior Collector/Customer Service Rep

September 2011- January 2015

Tucker, GA

• Completed a high volume of Inbound/Outbound calls for Department of Education and Sallie Mae

• Responsible for Skip Tracing Accounts and maintaining records of communication and contacts.

• Responsible for collection of past due accounts aged 120 + days

• Negotiated and established acceptable payment plans with clients.

• Familiar with LexisNexis, Workforce, and MS Office

• Used effective time management to ensure customer service experience meets expectations. Sunshine Painting Services

Office Supervisor

July 2009- Sep 2011

Lawrenceville, GA

• Sourced colors for floor plans on client homes in high-end subdivisions

• Oversees clerical and support services to ensure daily tasks were completed in an effective manner.

• Supervised a team of 8 employees, creating team schedule and delegating tasks. EDUCATION

Bachelor of Arts: Fashion Marketing and Design

American Intercontinental University-Buckhead Campus August 2005

SKILLS

Technical- Application Process System (Dealer track, Car.net, Kelley Blue Book), Microsoft Office

(Excel, Word, PowerPoint, Outlook)

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