Tina R. Heggins

**** ******** **** **** ************, FL, 32277

adh5qd@r.postjobfree.com

904-***-****

Objective:To obtain a position with an organization that will offer stability and room to grow by using my experience and education.

Skills Summary:Enthusiastic highly motivated professional; seeks a position with a company where my skills, education and experience will be utilized. Organized and detailed oriented with the ability to effectively manage multiple tasks. Other skills included planning, organizing, coordinating and effective communication.

Education:

North Carolina Central University, Durham, NC. 1992 BBA degree in business administration (Finance)

Awards:Dean List, Wall of Fame, Clara Abbott Scholarship Computer Skills:Microsoft Word, Access, Excel, Powerpoint, Windows, Lotus Notes, Fiserv and Ark, Mosaic Dialer, Accurint, Livevox, Mastermind, Informix, Avaya, Chudly Professional Experience:

ADT Security Service (June 2006-present) - Collector III

● Receives and places inbound and outbound collection calls.

● Negotiates balances on customer accounts.

● Performs customer account research and analysis.

● Handles cancellations of non-pay of customer accounts.

● Makes payment arrangements with customers and escalates slow-pay issues to upper management when necessary.

● Reviews aging reports.

● Responds to written correspondence and miscellaneous letter requests.

● Writes up regular cancels when necessary.

● Processes account financial adjustments.

● Performs contract comprehension and interpretation.

● Requests contracts when necessary, and requests letters/cancellations as necessary.

● Assists in special projects as needed.

● Documents actions taken as needed.

● Reviews account documentation for accuracy.

Bombardier Capital (July 1999-March 2006)- Collections Specialist/ Consumer Finance Division

● Served as an expert on sophisticated by proactively offering multiple answers to inquiries

● Patiently allowed customers the opportunity to vent frustration in difficult situations and effectively diffusing then with kindness and empathy

● Collect on accounts 30-120 days past due

● Assisted consumers with account issues by discovering reasons for payment default

● Discuss alternatives to repossessions, analyzing payment histories

● Collected total amount due and curing the delinquency The Finance Company (August 1996-January 1999} - Collections Specialist

● Negotiated and resolved delinquency problems

● Outbound/ inbound calls collecting funds on 15-90 day delinquent accounts

● Assisted account holders with account issues by discovering reasons for payment default

● Established repayment schedules

● Discussed alternatives to repossessions

● Analyzed payment histories

Blue Cross Blue Shield of Florida (November 1996-June 1998) - Claims Examiner

● Reviewed, evaluated and processed claims and made recommendations for resolutions

● Had contact with agents, claimants, and policy holders

● Familiar with standard concepts, practices, and procedures within the medical field

● Relied on experience and judgement to plan and accomplish goals Barnett Technology (October 1995-November 1996) - Cash Management Officer

● Provided support and service for the cash management needs of business banking clients

● Insured client retention and customer satisfaction

● Typically handled general accounts

● Maintained personal, legal and administrative records Branch Banking and Trust (May 1995-September 1995) - Teller

● Processed a variety of routine financial transactions including check cashing, withdrawals, deposits, and loan payments

● Responsible for managing and balancing cash draw

● Prepared daily paperwork according to branch procedures References available upon request

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