teresa dacosta

Teresa Dacosta

770-***-****) *********@*****.***

Objective

I am currently pursuing a degree in Finance and seeking a position that will help utilize my skills. I have experience in Credit & Collections, Customer Service and Billing. Due to my background in the field of Finance I'm proficient in written and oral communications. I pride myself on being a leader and through my commitment and enthusiasm I get the job done. I have an outgoing personality and enjoy working with others in any situation, with that being said I develop long term relationships with my co-workers. I'm knowledgeable of how the business works and anxious to learn and grow within the company.

Work Experience

First Investors Financial Services August 13,2007- April 23, 2009

Collection & Customer Service Representative

* Contact customers by telephone and /or via email

* Collection and resolution of delinquent customer accounts

* Identifying and minimizing potential loss

* Follow up on assigned accounts in accordance with established procedures

taking direction from management as required

* Research and resolve customer account problems in a prompt and

courteous manner

* Recommend accounts to repossession and/or legal action

* Maintain delinquency rates at or below objectives

* Utilize all collection tools to skiptrace and find accounts leading to resolution

* Negotiate payment arrangements and provide programs including settlements

* Check by phone payments or manual checks

* Review credit report

* Adhere to the FDCPA laws

RMS (DUNN & BRADSTREET) April 19,2007- August 9,2007

Collection Representative

* Contact debtors regarding delinquent accounts

* Negotiate repayments with debtor, by means of pay-off, settlement,

and/or payment plan

* Follow-up on debtor promise to pay and payment commitment to

ensure a positive resolution

* Check and credit card payments

* Print daily post-date reports

* Adhere to the FDCPA state collection laws and work requirements

Horner Xpress June, 2006- February, 22 2007

Credit/Collection Specialist

* Process new applications for Credit or COD Accounts/Open new files

* Run Credit and make credit decisions based on credit reports

* Provide approval letters for new accounts

* Combine accounts from various branches of a company to form one master account

* Arrange payment agreements

* Evaluate credit for the purpose of increasing credit line to existing customers

* Place holds on past due accounts

* Help to resolve disputes

* Evaluate a customer’s account when past due in order to pass on to our attorneys

* Provide monthly and weekly reports to VP

* Maintain communication with sales representatives

* Prepare dunning letters

* Prepare letters of liens and have notarized

* Prepare insufficient funds letter to customers

* Preparation of logs for all work completed each day

* Provide invoices for customer at their request

Hinshaw & Culbertson, LLP March, 2004- May, 2005

Receptionist/Administrative Assistant

* Operated a multi-line switchboard

* Photocopying, faxing, scanning, filling and mail outs

* Court runs for the Circuit and Federal Courts

Conroy Simberg Ganon , P.A. et al. 2000- March, 2004:

Various Positions

* Worked part-time while in HS for my work experience class, in Office

Services - photocopying, faxes and mail

* Accounting Department - Accounts Payable Clerk

* Posted invoices and printed reports

* Printed checks for payment of bills

* Filing and pulled back up for billing

* Prepared and printed carrier letters

* Upon graduation from HS I began working in the Billing Department and became a

Legal Billing Clerk

* Filing and Bookkeeping

* Prepared daily reports

* Send bills to client via the internet

* Light Collections

Skills

Proficient in: Microsoft Office, MS Word, Excel, Shaw, Gui, Applied Systems, Lotus Notes, Word Perfect, Corel, Internet, Outlook

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