Account Receivables Associate
Resume:
Karen Y. Harper
************@*****.***
Tucker GA 30084
678-***-**** (C) 678-***-**** (C)
Education
• North Carolina Central University
Major
• English
Skills
• Receivables Management: Working knowledge of account reconciliations, cash management, account receivables, account payables and general accounting principles used within a business environment. Weekly and monthly reporting of the status of any overdue accounts, credit card processing, and posting of cash receipts
• Loan Negotiations: Posses persuasive influencing skills, strong listening skills and able to handle disputes
• Garnishment Processing: Communicates with courts, attorneys, and employees, and other outsides entities concerning income deduction and garnishment orders on a monthly basis, Prioritizes garnishment orders and enters accurately into database matrix, Prepares analysis of garnishments, as required.
• Financial IT Systems: Knowledge of financial information systems used to capture financial transactions. This includes knowledge of operating system software, software based access control tools, and data extraction and data analysis software tools.
• Consumer Focus: Demonstrating understanding of how one's actions and/or works impact the company's relationship with consumers
• Accounting Software: Lawson, QuickBooks, JD Edwards, PeopleSoft, SAP and HR, Credit and Account Receivables Management Systems and CLS, CSS,CRM billing systems
• Accounting Principles: Knowledge of and ability to understand general
accounting principles (e.g., debit and credit) around transactional processes
• Computer Savvy, Internet research, E-mail, G-docs, Excel ,Word, PowerPoint and Databases
• Credit Analysis: Utilized Trans Union, Experian, Equifax and Dun and Bradstreet to determine credit worthiness
Experiences
Consumer Financial Services January 2011 to March 2011
Resolution Specialist (contract position)
• Project management for major auto finance client with large collateral caseload and coordinated agents for recovery
• Analyzed diverse data to determine appropriate course of action to encourage voluntary recovery of collateral when possible
• Utilized organizational and time management skills using computer based tracking, outlook and desktop filing system
• Administered superior customer service while conducting investigations and negotiations using persuasive telephone skills
• Provided timely and accurate updates to the client lenders regarding the status of all assigned cases
The Law Offices of Ross Gelfand May 2009 to November 2010
Final Resolution Receivables Specialist
• Conducts extensive asset investigations to determined the whereabouts of consumers and their employment to prepare for involuntary resolution of defaulted /deficiency vehicle loans for American Honda Finance
• Prepares accounts for successful suit processing and filing.
• Negotiates the options available to consumers in an effort to resolve delinquencies on a voluntary basis.
• Presents programs available to borrowers according to guidelines and parameters set forth by American Honda Finance.
• Gathers detailed bankruptcy information from numerous available resources to either recover a percentage of the debt or close according to state and federal statutes.
J.P Morgan Chase
Financial Customer Services Advisor September 2008 to April 2009
• Delivered superior customer service according to the highest customer expectations and standards
• Successfully met and exceeded monthly and quarterly goals
• Reviews and submits statements as required. Responds to questions regarding statements
• Resolved collections issues, and processes delinquent payments as needed
• Used excellent analytical financial skills to assist customers with account reconciliation and disputes
• Daily usage of basic accounting skills to determine refunds and adjustments to customer accounts.
• Documented all collection efforts in company multi window system to include customer contacts, and actions
• Consistently exhibited ability to interpret complex financial factors such as annual percentage rates, payoff dividends and accrual of finance charges.
• Managed credit increase approval
Greystar Property Management March 2008-July 2008
Marketing Representative (part-time)
• Multitasked and prioritized potential client functions, forming strong relationships, while being positive and persuasive
• Conducted market analysis to determine the needs of potential customers using Microsoft Office Suites
• Coordinated on site events promotions ,advertising and public relations
• Created strategies to accomplish directives set by area marketing manager
NCO Financial Services August 2006-May 2007
Senior Student Loan Servicing Specialists
• Trained and developed teammates in areas specified by management to help them reach their full potential
• Investigated location of consumers conducted in debt credit analysis.
• Negotiated options available to borrowers to encourage amicable account resolution for collection of student loans
• Presents programs available to borrowers according to guidelines and parameters set forth by the Dept of Education
• Consistently reached and exceeded monthly and quarterly goals
• Managed Garnishment processing for 1.5million portfolio and rehabilitation program qualification
• Exhibited strong investigative and internet research skills
• Proficiently used computer skills, including word processing, spreadsheets and database software
• Collaborated with General Manager, Unit Manager, and Team Leads to develop strategies of reducing DRO
• Ability to self-motivate with little supervision
GC Services LLC April 2005-July 2006
Senior Student Loan Specialists
• Account reconciliation per client requirements, while exceeding monthly collection goals.
• Conveys accurate information to borrowers as it relates to their student loan.
• Conducts an in depth analysis of each of the three major credit bureaus to help borrowers.
• Demonstrated strong oral and written skills and data base software usage.
• Managed credit program approval and garnishment processing for .5 million portfolio on a monthly basis.
• Proven ability to interact with customers in a professional courteous manner
• Proven ability to successfully interact with all levels of an organization
• Demonstrated ability to develop & maintain client relationships
Financial Asset Management Systems November 2004-Maarch 2005
Student Loan Servicing Representative
• Reviewed accounts for accuracy and submitted master database changes and additions
• Ability to form strong customer relations and be positive, persuasive and persistent regarding aging student loans
• Exceeded goals set for account reconciliation per client guidelines and parameters.
• Managed Garnishment processing for 1.5million portfolio and rehabilitation program qualification
• Clear, concise and effective verbal and written communication skills
• Account reconciliation per client requirements
Wal-Mart Incorporated December 2003-February 2006
Service Writer/Customer Services
• Provided customer with accurate information regarding services and parts available for their vehicles.
• Managed workflow for services technicians to insure profitable workflow while using Microsoft Palm Pilot
• Delivered excellent customer service by executing the Wal-Mart principles of customer care.
ACYS Financial Consulting June 1999 December 2003
Treasury Assistant
• Conducted internet based finance research for Verizon Wireless to determine allocation of misapplied and over payments
• Created weekly and monthly finance reports to substantiate finances refunded or reapplied
• Interim Human Resource Manager for the NAPA-National Association of Physician Assistants
• Conducted initial phone interviews to identify skill set compatibility with the needs of department managers and officers and
• Administered pre-employment testing, arranged pre-employment background checks and drug testing
• Served as liaison and negotiated fees for employment of temporary employees with employment companies for projects as needed
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