Stephanie Walls – Benbow

Jamaica, New York ****4 • 323-351–9091 • ad4ke5@r.postjobfree.com • LinkedIn Profile URL

Senior Credit & Collections Specialist

Qualifications Profile

–Dynamic Senior Credit and Collections Specialist with a proven track record of success in collecting and resolving outstanding invoices for diverse portfolios, ensuring timely payments and financial health.

–Collaborative Team Player, adept at managing account balances, resolving outstanding invoices, and providing comprehensive support across diverse functions to drive optimal revenue and financial stability for organizations.

–Organized Multitasker, thrives in remote environments, leveraging exceptional communication and collaboration skills to excel in fast-paced, evolving business landscapes.

–Proactive Subject Matter Expert: possesses a deep understanding of company policies and processes and known for excellent problem-solving, deadline management, and impeccable professionalism in all communications.

Areas of Expertise

Customer Relationship Management Money Handling Loan Processing Continuous Process & Efficiency Improvement

Strategic Program Development Innovative Marketing Strategies Financial Consultation & Guidance Risk Mitigation

Data Analysis & Program Evaluation Governance Standards Compliance Contract Negotiation & Conflict Resolution

Professional Experience and Impact

NON-PROFIT PROGRAM DIRECTOR • UNITED VOICES OF YOUTH • Los Angeles, CA • 2005 – Present

Drove a 40% surge in organizational awareness among donors and program participants by developing impactful marketing strategies.

Elevated the organization's donor visibility by creating compelling social media content across Instagram, LinkedIn, and Facebook.

Significantly enhanced program effectiveness by orchestrating program evaluations and data analyses, identifying areas of improvement, and implementing innovative strategies

Steered the organization towards sustained growth by guaranteeing strict compliance with high governance standards.

COLLECTION SPECIALIST • ADECCO STAFFING • Melville, NY • 2015 – 2023

Proactively resolved delinquent accounts ranging from 10 days to over 365 days past due by negotiating with customers to recover outstanding balances through structured installment plans or expedited third-party collections/legal proceedings.

Maintained open communication with customers to effectively inform them of their past-due account status and potential collection actions.

Ensured operational integrity and addressed money handling discrepancies or shortages by closely monitoring customer accounts and company financial records.

MORTGAGE RECONCILIATION COUNSELOR • US BANK • Los Angeles, CA • 2011 – 2012

Slashed monthly mortgage payments by working closely with lenders to orchestrate payment relief strategies for borrowers, encompassing the adjustment and modification of loan terms, interest rate reductions, and initiatives

Commended by borrowers by guiding them in creating decisions aligned with their target financial goals and circumstances, navigating subsidy programs, and facilitating access to grants and other financial assistance.

Empowered borrowers with comprehensive education on prudent budgeting techniques, equipping them with the tools and knowledge to avoid mortgage delinquency pitfalls and foster long-term financial stability.

CUSTOMER SERVICE – ACCOUNT SPECIALIST • GARDA • Los Angeles, CA • 2005 – 2008

Achieved a remarkable 60% resolution rate for delinquent accounts by driving diligent collection efforts while restoring financial stability for clients.

Exemplified remarkable consultative skills with customers by developing tailored repayment plans and options for their diverse needs.

Delivered superior service by guiding the customers on repayment plans and options while ensuring clarity on potential collection efforts and penalties for non-compliance with terms.

Earned distinction for resolving all account-related inquiries by streamlining the opening and closing of clients’ accounts.

Instrumental in maintaining accuracy and integrity in all financial transactions by instituting standard operating procedures in processing and recording customer payments.

CREDIT COLLECTIONS – TEAM LEADER • FREMONT INVESTMENT AND LOANS • Tustin, CA • 1997 – 2004

Instilled transparency and urgency in resolution processes by promptly informing mortgage holders to account delinquency status, outlining specific lender-mandated repercussions such as foreclosure or auction sale

Rendered high level of assistance to delinquent mortgage holders by advising on repayment options, assistance plans, and other alternatives to mitigate collection actions.

Provided customers with utmost satisfaction by expediting the resolution of customer account inquiries and concerns.

Played a vital role in ensuring accuracy, compliance, and operational efficiency in financial transactions by piloting standard operating procedures to collect, verify, and process customer mortgage payments.

Ensured all eligible applicants had enhanced access to vital financing opportunities by recommending enhancements to credit approval process in collaboration with the management.

Education & Credentials

General Studies Mount San Antonio College – Walnut, CA

New York City Notary Public (Document(s) Signing Agent) Former President Barak Obama’s Award

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