Accounts Receivable Customer Service

Credit and Collections Representative

Professional Experience includes. Over 30 years of Credit and Collection for B2B and

Personal Accounts, Establish Credit Limits, Credit Holds, Secures Personal Guarantee,

Accounts Receivable, General Ledger, Sworn Statements, Liens, Releases, Satisfaction of

Liens, Joint Check Agreements, Title Searches ATIDS, Settlements, Negotiations, Sales,

Estimator, Settlements, Agreements, Customer Service, Up to date Knowledge of

Compliance Rules, Resolves Issues, Phone Sales, Outside Sales and Networking.

Most Recent Employment:

ScribeAmerica 1200 E Las Olas Blvd Fort Lauderdale, Florida

2/216 – 7/2018

Collections Specialist/Credit Manager

Our Receivable Goal was around four ($4,000,000.00) million dollars week. Collected on accounts seriously past due that were subject to go to an outside agency.

Called and emailed Hospitals & prestigious customers, mostly doctors, in a courteous manner regarding their unpaid invoices, inquiring on the reason for payment delays. Monitored that any issues with their bill was addressed and resolved timely and amicably.

Set up payment agreements when there was a financial concern and monitored timely payments.

Referred accounts to an outside agency (NACM) when necessary that do not adhere to their contractual agreement.

Attended monthly meetings with the CFO and Financial Manager regarding the status of Accounts to determine the appropriate action or resolution on delinquent accounts and review delay in payments.

American Express, Plantation Florida 02/2009 - 08/2015

Collection Specialist

Collection Specialist pre-outside agency

Called and Collected on a dialer, spoke to and handled more than 150 critically past due accounts that were mostly canceled accounts subject to go to an outside collection agency or ready to be canceled in the near future.

Always prepared for change, challenge and open for new ideas. Very organized, a good listener. goal oriented and exceeded expectations

Knowledge of Compliance rules, UDAAP requirements of the Dodd Frank Act UDAP,

FCRA Code of Conduct, Privacy Security and Awareness. Anti-Corruption Core Act,

Fraud, Identity and Theft Awareness, Anti-Money Laundering, Complaints and Anti-Trust

Law. CBR, Equal Opportunity Credit Act, Reg Z and O.

●Reviewed customer’s credit score, payment trends, high balance and probability score to determine how to offer solutions and alternatives to help them pay their bill to avoid negative impact on their credit. This helped collect and achieve our goals.

●Evaluated for a Hardship Program if all collection attempts fail.

●Negotiated Settlements only if deemed necessary and no longer qualify for a Hardship Plan and all collections attempts have been exhausted. (only at a bare minimum and subject to a 1099 to be issued as income) No longer offered when the economy got better

●Worked close with a Team Leader to review calls and come up with good practices to improve performance of our team.

Hill York Service Corp

04/2003-09/2008 Primary job duties Credit and Collections 2003=2005

Credit and Collections Manager, Project Administrator & Sales

Responsible for the collections and maintenance of a 4 to 6 millions dollar aging in the

Service Department in Broward County. Improving the DSO; s from over 55 days to under 45 days. Making sure Credit Applications were up to date with original signatures and the payment terms were spelt out. Involved with resolving discrepancies. Monthly meetings with the sales department to review accounts subject to possible hold.

Project Administrator 2005=2006

Job entailed Collections. AIA Billing (Small Projects), Notice to Owners, and Releases.

Small Job Sales 2007-2008

Trained for Professional Sales. Hill York had training every year in Customer Service and they decided to bring on a Professional Sales Trainer. After attended a course at Dale Carnegie went out in the field and did cold calling for new accounts to obtain new maintenance contracts with Condo’s on the beach. Also went out in the field and did quotes on various jobs that requested a price. Took pictures of the equipment and brought them back for assistance with the quotes and delivered the quotes.

Shortly after there was problems the resulted in the merge of the Corporate account and the Service department and jobs changed and my job was changed to return to Credit

Manager but the job changed, and they wanted someone that could oversee the managers.

Assistant Credit Manager

Continental Florida Materials 1992-2003

Notice to Owners - Liens - Collections

●Worked closely with Attorneys dealing with deadlines and legal actions

●Held monthly meetings with Sales department to review accounts (subject to go on credit hold or subject to legal action)

●Wrote up customer disputes to discuss with appropriate managers to determine if worthy of credit and reviewed short pays to verify billing errors. ● Generated signed legal agreements between customer and

●Continental Fl Materials whenever warranted.

●Mailed bad check letters for returned checks and billed fees.

●Monitored for deadlines for Liens, Foreclosures and Judgements.

Education and Training

Graduated Hollywood Hills High School, some college at Miami Dade Jr. College

Attended Sheridan Vocational classes for computer, accounting and business

Took several accredited collection courses Attended Dale Carnegie for Sales Training

Personal References:

Judi Turner/Shortall, Team Leader American Express 954-***-****

Karen Blake, Legal Assistant Justice Law Atty 954-***-****

Lynne Ramirez, Billing Manager, from CFM, Amex 954-***-****

Tammy Ryle, Supervisor Scribe America 317-***-****

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