Credit and Collections Professional with over 10 years of experience in the banking and finance industry at progressive and performance driven organizations with an expertise in backline collections. Effective communicator and liaison for customer and organization in finding solutions in avoiding charge off process and building credit. Helped mitigate losses by negotiating payment, building relationships with customers and educating customers effectively, providing full knowledge of importance of positive credit. Selected by site Director at Bank of America to train at sites across US and share best practices, due to expertise and knowledge of profession. Qualified in Legal practices in Fair Debt, along with legalities in credit. TECHNICAL & SPECIALIZED SKILLS Expert in reading and understanding Credit Bureau and credit processes. Several years of experience in partnering with various Debt Settlement and Debt Management agencies. Passionate in educating customers on credit status, and how to improve and maintain good credit. Extensive knowledge in charge off process and overall understanding of credit system. Proven and consistent ethical top performer at previous employers and excelling at the job in hand. Increased bottom line by obtaining customer loyalty through World Class customer service and strategically providing solutions to customers in need.
Professional Experience
Licensed Sales Producer, 07/2013 to Current Farmers Insurance Group – Burbank, CA,
Specialized and extensive knowledge in a full range of insurance products and programs. Reputation for strong cross-marketing skills and new market development and solutions. Focused on achieving the organizational mission demonstrated and increasing insurance sales portfolio.
4-40 licensed in the state of FL
Property and Casualty licensed in the state of CO
Worked at a aggressive sales office that was in the top 3 of Allstate in Florida. Top sales producer in my office.
Sold and trained in Auto, Renter's, Home Owner's, Boat, RV, Life, Inland Marine, Commercial, etc.
Managed staff and Operations
Founder and President, 2011 to 2012 The Shipyard – Newport Beach, CA,
Non-Profit for the homeless with focuses in highly populated areas of the homeless in Broward and Dade County, FL.
Provided meals and hygiene products during our outreach sessions 2-3 times a month
Joined forces with other Non profit Organizations to assist in addiction, health and mental health
Responsible for managing the program as well as fund raising and community awareness
Have training and years of experience in working with this population of Broward and Dade County
Account Manager, 01/2009 to 01/2011 AMERICAN EXPRESS – City, STATE,
Managing consumer loans in lending and charge accounts ranging from 28 - 60+ day accounts, up to $70K balances.
Built relationships with consumer and businesses by obtaining customer loyalty and providing commitment to solving and resolving customers' complaints or concerns.
Promoted quickly within company based on performance-driven results and expertise.
Educated card members and offered solutions to help attain positive status with Amex as well as other creditors.
Account Manager and Supervisor, 2003 to 2009 BANK OF AMERICA BOA – City, STATE,
Managed a group of 35 team members in consumer loans and credit card accounts for BOA customers who were in highest tier of delinquency: 150- 180 days past due.
Helped bank mitigate losses by finding solutions to help customers improve credit situation.
Educating customers on credit, consequences of charge off accounts, and finding options to better card holder's financial situation by offering programs or settlements.
Communicated with Bankruptcy attorneys and Debt Settlement Agencies on day-to-day basis.
Extensive knowledge of skip tracing hard to find customers to obtain new contact information.
Promoted several times during course of employment based on skill and successes of stats and metrics.
Selected by site Director to train and share best practices within Collections Department at other sites across U.S.
Assisted and contributed in business strategies to take Ft.
Lauderdale site from bottom ranked site to top site for 3 years.
Supported company by demonstrating top results on consistent basis.
Claims Processor / Customer Care, 01/2002 to 01/2003 ZURICH AMERICAN INSURANCE GROUP – City, STATE,
Assigned to specialized unit that handled all dedicated and large money accounts that required precision and eye for.
detail.
Processed and handled high volume of claims in Workers Comp, General Liability and Auto Loss, while.
being committed to giving exceptional customer service and professionalism in assisting customers through difficult.
circumstances.
Education
Diploma: Business and Entrepreneurial, Expected in Mi Casa School of Business Sierra High School - Colorado Springs, CO GPA: Business and Entrepreneurial
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