Customer Service Credit Specialist
Resume:
Cynthia Turner
Cash and Credit Collector
Atlanta, GA 30339
*******.********@*****.***
Detail oriented, problem solver with 14 years of experience in credit and collection. With excellent analytical strengths and track record of productivity, profit contributions, well developed team building and leadership strengths with experience in training and coaching co-works. Work well with public, clients, vendors and coworkers at all levels.
Authorized to work in the US for any employer
Work Experience
Credit Specialist
FirstPRO 360/ RNDC-Atlanta, GA
May 2023 to May 2024
• Analyzed Customer’s application and credit background to determine credit, worthiness, based on predetermination standard minimize risk and granite appropriate terms for credit limit.
• Managed new and existing credit application, secured necessary, documents, and personal guarantees to grant appropriate terms.
• Collaborate with customers to review approval and certain legal documents, such as affidavit, payment plan, and other agreements.
• Maintain customer credit status, and information, including terms, contact details, credit limits and third-party setup.
• Manage Credit holes in order releases, collaborate with local markets to ensure a timely resolutions.
• Assist accounts, receivable department with managing payment plans in terms.
• Identify and tag escrow accounts a quarter, such as Customer deposit accounts and specific terms and conditions.
• Manage the bad debt reserve preparing accounts for a ride off and utilizing Financial modules to determine a gauge bad reserves.
• Provide expertise in credit and risk management collaborating with the internal department to address financial interest and resolve issues
• Lead cross function efforts to address, inquiries and drive drive key account representative. Customers and sales turns regarding terms pricing and available credit.
•
Credit Analyst
Partners /Nichiha USA-Johns Creek, GA
April 2023 to October 2023
• Reviewed and evaluate credit reports in commonly used formats as well as any format unique to Nichiha
• Accurately applied credit policies, in accordance with FCRA, across multiple product lines for various loans types.
• Analyzes several data sources to draw conclusions about a customer’s credit worthiness.
• Demonstrates good judgement in selecting methods and techniques for solve problems.
• Possesses strong quantitative and quantitative analytically abilities as well as strong written and oral communication skills.
• Manages exceptions to publish credit authority for final approval. Cash and Credit Collector
EXPERINECE
August 2015 to March 2016
Credit Central LLC
• Assisted customers, resolved problem situations, located misfiled documents and balanced daily receipts.
• Count money and verifies receipt reports; balances various cashbooks; prepared related analysis sheets and receipt reports.
• Prepared deposits.
• Reached Collection goal 5 out of 6 months.
• Collected 400 accounts that were slated to be charged off up-to-date.
• Trained new customer service representative.
manager after 3months of employment
S & W Money Tree
October 2007 to August 2015
• Daily collection of outstanding accounts receivables in accordance with the collections process and corporate credit policy.
• Proactive customer contact for assigned customer in accordance with the collections process and credit policy.
• Identified and log customer disputes and resolved customer disputes.
• Conducted customers credit analysis and made recommendation for new and existing customers.
• Managed a staff of 3.
• Met collections goals 5out of 5.
• Cut delinquency by 30% in 3 months the office had been running a 60% slow file.
• Made profit and retained customers.
• Was promoted to manager after 3months of employment. Tax Research Specialist
Washington Mutual/Chase Bank
March 1998 to October 2007
• Processed approximately 400 requests or more daily.
• Contacted property tax collectors to ensure the proper party paid taxes.
• Updated property taxes amount
• Confirming receipt of payments and updated loans accordingly.
• Procuring delinquent property tax redemption figures.
• Processed all inbound escrow and non-escrow mailed items to completion.
• Apply for erroneous tax refund via phone, email, or fax.
• Verified homeowner exemption status.
• Ensured receipt and proper application of property tax refunds for erroneous tax payment.
• Completed all scheduled follow up on repayment plans for non-escrow property tax items.
• Collected over 40 million dollars of erroneous tax payment from non-Washington Mutual mortgage holder.
• Promoted to manager after 1 year of employment.
• Managed a staff of 20.
Credit Analyst
JP Steven-Wagram, NC
February 1995 to January 1998
• Analyzed credit data and financial statements to determine degree of risk involved in extending credit or lending money.
• Generated financial ratio using computer program to evaluated customer's financial status.
• Analyzed financial data such as income growth, quality of management, and market share to determine loan.
• Manage accounts, resolved delinquency and arranged payment programs to avoid future delinquency.
• Utilized consultative selling technique to sell payment and protection service to customers.
• Achieved excellence in call quality, 3 times teams MVP.
• Conducted customer credit and analysis and made recommendation for new and existing customers.
• Worked with external collection agencies on accounts deemed uncollectable by established company guild lines.
• Worked with in house and external attorney in litigations suits and bankruptcy related matter. Education
Bachelor's in Accounting
Benedict College - Columbia, SC
Skills
• Tean Building/Motivating/Organization/Prioritzation/Data Analyzing/Organizing/Digital Advertising and Marketing/Communication/Negotiation/Goal /Deadline Oriented/Payment Processing &Researcg/ Records Management/ Problelm Solving/Customer Service and Reseach (10+ years)
• Communication skills
• Customer service
• Negotiation
• Organizational skills
• Financial Report Interpretation
• Escrow
• Credit Analysis (10+ years)
• Tax Experience (10+ years)
• General Ledger Reconciliation
• Accounts Payable
• Accounts Receivable (10+ years)
• Office Management (10+ years)
• Management
• Payroll
• Fair Housing Regulations
• Bank Reconciliation
• Account Reconciliation
• Accounting
• Analysis skills
• SAP
• Pivot tables
• Microsoft Excel
• Microsoft Outlook
• Computer skills
• Microsoft Office
Certifications and Licenses
Ptin
December 2016 to Present
Licensed Tax Prepare
Additional Information
KEY SKILLS
Team Building/Motivating Communication/Negotiation Records Management Organization/Prioritization Goal/Dead0line Oriented Problem Solving Data Analyzing Organizing Payment Processing & Research Customer Service
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