Kahmal East

** **** ***** ********** ** Collection and Administration duties.

Atlanta, GA 30339

ad2xv2@r.postjobfree.com

+1-678-***-****

Willing to relocate: Anywhere

Authorized to work in the US for any employer

Work Experience

Credit Specialist II

American Express - Atlanta, GA

August 2022 to Present

Credit card collections on past due Credit balances 1 to 30 days past due..Negotiate payment plan and Payment Programs. Removal of credit holds on accounts. Submitting accounts for review reinstatement. Scheduling payments. Recommend credit increases.

Auto loan Collection Specialist

Cinch Auto finance Company - Alpharetta, GA

August 2020 to July 2022

Collection on auto loans that are 30 to 90 days past due. Dealt with procedures such as: loan modification, Deferments, repossession. Offered payoffs information to consumers and dealerships Provided customers service support..schedule repossession, reinstating consumer, emailing payoffs to dealership and consumers.

• Moderate computer knowledge of MS Excel and MS Word software and keyboard skills including minimum accuracy requirements

• Ability to recognize problems, resolve or escalate as needed, including using a variety of talk offs to convince the customer to make a payment

• Speak and listen effectively to customers via phone, and tolerate stressful interactions with customers

• Multi-task in a high energy standard office and/or home environment Administrative Wage Garnishment Specialist. Collection / Department of Education Student loans.

Immediate credit recovery - Kennesaw, GA

October 2018 to July 2020

Collection on Dept.of Education Defaulted Student Loans. Worked in the Wage Garnishment department assisting borrowers about programs about getting Garnishment & tax offset stop. Took payments for these programs. Collection on 30 to 120 days unpaid student loans. Worked over 130 accounts per day, Worked on a dialer system. Used spreadsheet applications..

• Moderate computer knowledge of MS Excel and MS Word software and keyboard skills including minimum accuracy requirements

• Ability to recognize problems, resolve or escalate as needed, including using a variety of talk offs to convince the customer to make a payment

• Speak and listen effectively to customers via phone, and tolerate stressful interactions with customers. Debt Collection Specialist / Department of Education Student Loans CREDIT ADJUSTMENTS INC - Kennesaw, GA

February 2012 to September 2018

• Follow FDCPA, TCPA, state laws and company policy while collecting defaulted student loans.

• Demonstrate knowledge of relevant collection, privacy, and credit-related legislation

• Contact clients and negotiate outstanding payment options

• Document Accounts

• Great ability to work independently and multi-task

• Maintain all Rehabilitation accounts on a day-to-day basis

• Meet or exceed monthly individual budgets

• Qualifies account eligibility to enter into the Rehab programs

• Demonstrate understanding of GC Services and CAI s company policies and Procedures

• Able to identify consumers need and offer appropriate, effective solutions to resolve account

• Comprehend and speak English effectively

• Qualified Agent to sell Special Governmental Rehabilitation Programs Student Loan Collector

WEST ASSET MANAGEMENT - Marietta, GA

February 2010 to February 2012

Assisted debtors in setting up payment plans to settle overdue balances. Utilized the internet and specialized software to locate people with overdue balances.

• Averaged $1,200 per day in collected revenue

• Maintaining and running a portfolio of accounts in a way to maximize gainful sales and reduce bad debt losses.

• Responsible for contacting overdue customers and collected on historical due amount.

• Managing the acquisition of revenue/expense data for monthly product profitability.

• Analyzed delinquent loans, and determined when legal action would be required, or collection agency placement. Effectively negotiated payment arrangements

Collections Representative/ Customer service agent Merchant Credit Guide - Chicago, IL

November 2004 to January 2010

Collection on creditcards, Department of Chicago water Department.Received Customer Service Award for outstanding track record collection and positive customer feedback.

• Achieved perfect scores on all phone monitors throughout tenure

• Recognized for showing leadership in identifying customer needs and presenting appropriate company products and services offerings

• Performed data entry level tasks for systemizing the employee information system.

• Received inbound calls and answered questions from customers satisfactorily. Administrative Assistant

SCHNEIDER FINANCE COMPANY - Chicago, IL

August 2000 to September 2004

Typed documents such as correspondence, drafts, memos, and emails, and prepared 3 reports weekly for management

• Opened, sorted, and distributed incoming messages and correspondence

• Purchased and maintained office supply inventories, and being careful to adhere to budgeting practices

• Greeted visitors and determined to whom and when they could speak with specific individuals

• Maintain utmost discretion when dealing with sensitive topics Student Loan Representative

NCO FINANCIAL SYSTEMS, INC - Chicago, IL

August 1996 to July 2000

• Arranged for debt repayment and established repayment schedules, based on customers' financial situations.

• Located and monitored overdue accounts, using computers and a variety of automated systems. Traced delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, and through the questioning of neighbors.

• Advised customers of necessary actions and strategies for debt repayment.

• Ability to handle high call volume and improve company collections with a variety of accounts including Sprint, Department of Education and ADT Security

• Performed interpersonal skills, collecting debt, arranging Payment options, and directed customers to payment sources.

• Negotiated federally funded student loan defaulted accounts References Are Available Upon Request

KAHMAL EAST Dear Hiring Executive:

I am writing in regard to your advertisement for the position of Collection Representative.I am a

suitable candidate for this position because I possess the required skills and qualifications to perform this job effectively. I am certain in my

ability to become a key member of your collections department. As noted on my resume, I have a demonstrated ability to find clients who have unpaid and overdue bills and negotiate a payment. In addition, I am able to perform skip tracing; track down clients who have an outdated address by means of different sources such as Internet, credit bureaus and neighbors. My

skills in finding the reasons for the overdue bills will assist me to carry out negotiations for your company. Furthermore, I have a proven organizational, analytical and communication skills; strong attention to detail, and proficient in using Microsoft Office and collection software. My enclosed resume will provide you with complete

details of my qualifications and skills.

I look forward to hearing from you regarding this Collection Representative position. I would like to speak with you about my career goals in the credit and collections field and my capabilities to perform this job efficiently. If

you require any additional information in the interim, please contact me at the address above or via phone at 678-***-****

Sincerely,

Kahmal East

Encl: Resume

Education

Some college

Skills

• Windows (5 years)

• Microsoft Excel (8 years)

• Computer literacy (10+ years)

• Negotiation (10+ years)

• Account reconciliation (10+ years)

• Banking (Less than 1 year)

• SharePoint (5 years)

• Communication skills (10+ years)

• Customer service

Certifications and Licenses

Driver's License

Contact this candidate