Tracy Turnipseed

*** ******** ****** ***** ********, Georgia 30087

678-***-**** adtej5@r.postjobfree.com

SUMMARY

A committed and goal-oriented financial services professional, with extensive experience in payroll, strategic planning, risk mitigation, asset management, contract negotiations, reporting and documentation, staff training and development, and project management. Excels at enacting processes to settle insurance claims, mitigate foreclosures, address low-valued assets, and develop long-term organizational strategy. A proven track record of providing services to foster long-term client relations while providing structures to ensure long-term prosperity. A driven and dynamic producer, who works to emphasize growth, productivity, and profitability.

EXPERIENCE

Merchants Preferred Leasing, Atlanta Georgia

Collections Analyst II (remote), Apr 2020- May 2022

Provide accurate information to assist customers in any support issues they may have. Accurately and efficiently document account to ensure interactions are up to date. Maintain customer files and data base. Routinely update data and ensure the integrity of all customer account information. When fulfilling collection activities, responsible for the professional and courteous interaction with customers to effectively and quickly determine their ability to pay and negotiate the most lucrative repayment schedule or cash settlement.

Accept ACH and credit card payments by phone following all procedures and ensuring recordkeeping accuracy. Ensure that all payments are properly applied to accounts.

Provide customers with accurate and detailed notification and follow-up documentation.

Responsible for adhering to all state and federal collection laws and be fully cognizant of the "Fair Debt Collection Practices Act."

LENDMARK FINANCIAL SERVICES, Covington, Georgia

Assistant Collection Manager II, Jun 2009 – Nov 2018

Provided input to management on avoiding future risk. Proposed plans and strategies to lender to avoid foreclosure process. Negotiated both short payoff and insurance claim settlements. Identified high-risk assets for organization to write off accordingly. Evaluated low-valued assets and provided organization’s best course of action and exit strategy.

•Developed skip tracing operating procedure for loss-mitigation department.

•Effectively managed potential losses for medium portfolio of existing high-risk customers.

•Collaborated with other departments to resolve outstanding issues by accumulating information to effectively minimize risks.

•Ensured procedures were compliant with company, state, and federal regulations.

•Led and mentored staff by developing and reinforcing skills, and improving processes and procedures to increase overall effectiveness.

Tracy Turnipseed, Page 2

LENDMARK FINANCIAL SERVICES, Covington, Georgia

Loss-Mitigation Assistant Manager II, 2009-2011 Loss-Mitigation Specialist Assistant Manager, Apr 2007 – May 2009

Reported to Assistant Vice President in the collection center (as Manager II). Worked with loss and mitigation teams to minimize risk on delinquent mortgages adhering to investors guidelines. Analyzed financial statements, tax returns, credit reports home appraisals, title searches, and other documents to evaluate pre-foreclosure solutions.

•Experienced in programing, scheduling, and analyzing auto-dial systems, including interpretation of administrative and customer-related reports.

•Maintained training and support documentation for loss-mitigation team.

•Tracked, monitored, and managed employee performance, including follow-up and yearly reviews.

TURNIPSEED CONSTRUCTION, INC., Atlanta, Georgia

Construction Superintendent, 2000-2007

Oversaw and managed payroll reporting. Obtained building permits. Acquired and negotiated new contracts. Organized and prepared financial reports. Supervised subcontractors.

•Managed residential building construction through all phases to ensure quality homes that met company and customer expectations on budget and on time.

•Prepared estimates, submitted bids, and reviewed contracts.

•Interacted daily with all departments, as well as subcontractors, customers, and city inspectors.

•Delegated multiply projects and work assignments to site managers and supervisors.

•Made strategic decisions to benefit company expenses and profits.

ADDITIONAL EXPERIENCE

ASSOCIATES COMMERCIAL CORPORATION, Morrow, Georgia, Commercial Loan Officer, 1998-2000.

Solicited direct loan business in respective market area. Checked retail contracts for details and accuracy, and developed telemarketing customer retention program. Managed repossession inventory for transportation branch. Negotiated all terms of direct loan transactions, including sale of insurance. Prepared credit write-ups and conducted credit investigations. Drafted loan documents and performed loan closings.

FIRST FAMILY FINANCIAL SERVICES, INC., Atlanta, Georgia, Branch Manager, 1990-1998. Oversaw operations of branch office to ensure utmost in efficiency and profitability. Approved loans within assigned credit limit. Developed branch growth and profitability plans. Maintained primary cash control safeguards. Led daily solicitation of sales finance dealers, bulk purchase acquisitions, and real estate receivables. Exceeded stated goals for managers.

CHRYSLER FIRST FINANCIAL SERVICES, Atlanta, Georgia, Collections, Supervisor, 1988-1990. Supervised and evaluated performance of 30 collectors. Collections Specialist, 1986-1988. Oversaw delinquent accounts. Analyzed accounts to determine and initiate appropriate action.

EDUCATION

MORRIS BROWN COLLEGE, Atlanta, Georgia, B.S., Business Administration, 1984

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