MH

MICHAEL HOWELL

adty40@r.postjobfree.com 1-631-***-**** West Islip, NY 11795

Banking

Administrative support

Account updating

Customer relations

Supervision

Planning and coordination

Problem resolution

Team building

Organization

Report generation

Credit card payment processing

Report creation

Call Center Operations

Quality assurance controls

Clerical support

Sales expertise

Northwell Health/uhc New Hyde Park,

NY

Financial Advisor

09/2021 - Current

Oversaw daily collections and accounts receivable activities, developing robust strategies to maximize collections and reduce aged accounts. Took billing calls, questions and concerns from patients and third party carriers.

Entered patient charges and payments into electronic health records. Processed refund requests and reconciled deposit and patient collections. Identified discrepancies and carrier issues regarding billing and reimbursements.

Processed claims and forwarded information to Medicare, Medicaid and commercial insurance companies.

Protected medical office operations and integrity by keeping patient information confidential.

Sent incomplete or incorrect claims to supervisors for proper adjudication. Corrected, completed and processed claims for payer codes. Notified customers of delinquent accounts with attempt to collect outstanding amounts.

Updated account status records and collection efforts. Created repayment plans based on account holders' financial status and repayment abilities.

Informed patients of payment policies, collected insurance information and verified benefits.

Updated company's database daily with new details regarding collections and activity on delinquent accounts.

Accepted and processed customer payments and applied toward account balances.

Investigated billing discrepancies and implemented effective solutions to resolve concerns and prevent future problems.

Delivered fast, friendly and knowledgeable service for routine questions and service complaints.

Answered incoming calls and provided highest level of professionalism and knowledgeable service to every customer.

Skills

Experience

Managed customer expectations by clarifying needs, identifying options and recommending products and services.

Met or exceeded call speed, accuracy and volume benchmarks on consistent basis.

Documented customer correspondence in CRM to track requests, problems and solutions.

Teachers Federal Credit Union

Hauppauge, NY

CSR TIER 2

09/2019 - 09/2021

Enhanced productivity by staying on top of call scripts and maintaining control over direction of conversations.

Achieved and consistently exceeded revenue quota through product and service promotion during routine calls.

Answered average of number of calls, emails and faxes per day, addressing customer inquiries, solving problems and providing product information. Stop check and ach payments,ordered checks and Bank checks from established accounts via phone

Developed customized solutions of deposit, lending and other products for small business customers.

Performed loan servicing functions to check compliance with applicable terms and conditions.

Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products and services. Understood and applied selling techniques to open, develop and close sales and created product interest by actively cross-selling products and services to pursue customers.

Documented transactions and moved, deposited or withdrew money accurately to prevent errors.

Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.

Opened, closed and updated accounts for customers. Reversed fees, did change of address. debit card increases,closed and issued new card via telephone

Identified and solved technical issues using variety of diagnostic tools and tactics.

Conducted in-depth product and issue resolution research to address customer concerns.

Took apps for various types of loans and products

Supported customers with online billing, access and account issues. Assisted customers with various types of technical issues via email, live chat and telephone.

Developed and maintained strong relations with customers to meet quality expectations.

Delivered fast, friendly and knowledgeable service for routine questions and service complaints.

Answered incoming calls and provided highest level of professionalism and knowledgeable service to every customer.

Managed customer expectations by clarifying needs, identifying options and recommending products and services.

Met or exceeded call speed, accuracy and volume benchmarks on consistent basis.

Documented customer correspondence in CRM to track requests, problems and solutions.

Alliance Mortgage and Marketing Determined appropriate rate locks, issuance of disclosures, overage and Levittown, NY

Senior Mortgage Loan and Sales Processor

11/1998 - 10/2016

underage waivers and fee waivers.

Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.

Educated customers on variety of loan products and available credit options to promote valuable decision-making.

Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research. Performed daily maintenance of loan applicant database. Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.

Provided expert financial advice on mortgage and both educational and personal loans.

Adhered to all federal and state compliance guidelines relative to retail mortgage lending.

Complied applications and paperwork and double-checked for accuracy. Reviewed applications at the front desk.

Submitted applications to credit analysts.

Approved loans that met specifications.

Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.

Improved customer satisfaction by finding creative solutions to problems. Improved profit margins by streamlining operations and workflow and negotiating competitive vendor contracts.

Suffolk County Community College Selden, NY

Associate of Arts in Liberal Arts And Sciences

1999

Education and Training

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