Beverly Witherspoon 916-***-****

**** ******** *****, *** ***** CA 95624 ads46i@r.postjobfree.com Professional Profile

Dedicated Legal Credit And Collection Analyst with more than 30 years of experience investigating and processing delinquent accounts. Excel in analyzing non-performing loans, interpreting policies and negotiating settlement solutions. Effectively manage multiple, high- priority projects as well taking pride in providing exemplary customer service. Key Skills

● Researches and Resolves escalated

Collection issues, and Member

disputes

● Review and make Recommendations

for action on non-performing loan

accounts

● Manage Repossession and liquidation

process

● Responds to Notices of Lien Sale,

Impounds, & Real Estate defaults

● Primary point of contact for all Vendors

● Correct Mis-posted Payments and

refund charges

● Create and Format monthly Collection

Reports

● Identifies and corrects Payroll and

Periodic Payment issues

● Risk Management

● Auditing and evaluating Loans

● Attend Small Claims Court &

Settlement Conferences

● Provide on-going training of new staff

● Facilitating meetings &Teaching

● Acts as a Liaison between applicant

and Loan Processing Staff

Professional Experience

Sacramento Credit Union

Sacramento CA

May 2010 – Current

Internal Analyst

Achievements:

● Originated new methods to improve job

● Increased Efficiency

● Reduction in Inventory of Deliqulient Loans

Responsibilities:

● Provide detailed analysis and interpretation of Customers financial status and trends

● Manage the release of Credit holds

● Manage complicated cash application issues

● Manage monthly Credit Reporting

● Ensure that accounts are coordinated among Internal and External teams

● Reconciling Accounts and Managing month-end close Law Offices of Nelson & Kennard

Sacramento CA July 2003 – May 2010

Sr. Legal Collector

Achievements:

● Recommended changes in Country Credit Control

● Training and teaching

Responsibilities:

● Establish contacts with Customers

● Set up face to face contacts with Customers and Attorneys

● Conduct investigations and secure Court documents

● Review Loan Modification applications

● Same day settlements when cases are undisputed

Law Offices of Patenaude & Felix, San Diego, CA

June 1998 – July 2003

Legal Collector

Achievements:

● Resolved claims within Authority level

● Established rapport with carrier contact

● Timely reports when Authority requested from carrier Responsibilities:

● Contacting & Collecting on Legal Accounts

● Conduct detailed analysis on Legal cases

● Manage the decision process with Customers when payments cannot be negotiated

● Engage experts as needed

Education

American River College - Sacramento CA

References

References are available upon request.

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