Collections, Customer Service
Resume:
Julie Morrow
Customer Service & Collection Specialist
*************@*****.*** • 513-***-****
www.linkedin.com/julie-morrow-2528a9100 • Lebanon, OH 45036
Forward-thinking and accomplished professional with extensive experience in customer service and collection management. Well-versed in assessing customer requirements and delivering tailored solutions with aim of achieving satisfaction. Stellar track record of updating client database and surpassing closing/collection goals. Profound expertise in managing cases within applicable systems, identifying overdue accounts, and negotiating payment plans. Excel at building and strengthening professional relationships at all levels. Excel at steering and training cross-functional teams to accomplish established goals. Thrive in challenging and deadline-driven environments. Areas of Expertise
Customer Service & Success
Project Lifecycle Management
Strategic Planning & Analysis
Collection & Account Management
Team Leadership & Training
Cross-functional Collaboration
Delinquent Accounts
Fair Debt Collection
Problem Resolution
Professional Experience
AAA –RSA
Oct 2023-Dec 2025
Cardworks, Inc., Pittsburg, PA Oct 2022-Oct 2023
CSR-Remote
Daily intake of customer service calls for Merrick Bank and Capital Bank credit cards. Provide unprecedented customer service and education to accountholders on early or secured credit accounts. Mariner Finance, Mason, OH Oct 2019 – Jul 2022
Account Representative
Page 2 3
Carried out day-to-day customer service calls and processed loan applications. Managed closing for small personal loans and auto loans. Monitored accurate record of client payments. Assessed and promptly resolved potential issues. Interacted with clients to updated about policies and procedures.
● Successfully accomplished closing loan goals and collections goals.
● Provide/sales in additional credit insurance products to increase higher gross accounts receivables and direct branch growth
Alliance Data, Milford, OH Oct 2016 – Oct 2019
Payment Solutions Representative/Remote
Monitored collection calls on all portfolios within all late-stage collection files with outstanding balance in six months. Built and strengthened trusted relationships with clients to encourage repeat business and client referrals. Steered and upskilled junior staff on policies and procedures.
● Accomplished bonus level goals on collections objective
● Team building to provide exceptional customer servies Regional Acceptance Corp., Cincinnati, OH Sep 2015 –Sep 2016 Credit Underwriter/Hybrid Remote
Managed and processed credit applications for auto loans, scoring, and validation for approvals to dealers. Conducted detailed research on financial history of businesses and individuals to ensure creditworthiness. Offered support to management in completion of credit approval process, transaction, and deal flow.
● Efficiently maximized dealer satisfaction goals on approval rates.
● Developed and maintained professional relationships with staff and clients. Universal One Credit Union, Dayton, OH Sep 2014 – Sep 2015 Collection Specialist
Conducted day-to-day collection calls, payment processing, and skip tracing and notary public. Oversaw accounts to uncover unresolved debts and created repayment plans. Conducted research and executed effective collection techniques.
● Delivered Collection and Notary Public availability.
● Fostered trusted and professional relationships with clients and management. JD Byrider (CNAC), Dayton, OH Sep 2012 – Sep 2014
Collection Representative/Underwriter
Carried out collection review and calls to incorporate potential repossession and skip tracing work. Processed applications for personal interviews with clients and final credit analysis for auto credit approval. Identified and resolved potential issues as well as promoted decent work environment.
● Provided exceptional customer service skills in both Customer Interviews for credit and weekly Collection accounts
● Surpassed and excelled in sales objectives for credit insurances and warranty products. Additional Experience
Underwriter/Collection/Recovery, SNAAC- 12 Years Service Page 3 3
Education
Arts and Science Major
University of Cincinnati, Cincinnati, OH
Contact this candidate