Joan Smith

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Forward-thinking professional collections specialist with 20+ years' of 
experience providing efficient and timely collection of outstanding 
invoices. Strong skills in developing collection processes and procedures; 
and training staff in best-collection-practices. Excellent 
communication skills with the ability to work at all levels of management.  
Diligent, organized, and thorough.  Additional skills and expertise in the 
following:

* Bilingual Read/Write/Speak (Spanish & English)
* Account Balance and Payment Verification
* Corporate Collections
* Negotiations of New Payment Schedule
* Legal Accounts
* Asset Verification
* Medical Collections
* Credit Checks
* Computer Literate, Windows & Office
* Customer Support Skills
* Platinum, FMS, and Smart Databases
* New Customer Calls

Selected Achievements:

- Seven times recipient of the "Smart Bucks Award" for collections, 
  teamwork, customer service, and quality research. —Taco Bell

- Successfully transferred account information from FMS to SMART database 
  system on time and within budget constraints, with no loss of billing or 
  account information.

- Successfully collected over $30 million in late and delinquent accounts 
  over career period.

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Endorsement – "Joan is efficient, dependable and experienced…she works her 
  accounts in a professional but firm manner. She had to learn two systems, 
  close out old accounts on one and keep new accounts current. She has done 
  this plus lowered our A/R."—Gloria Rasberry, Practice Manager, Urology 
  Group of New Mexico, PC
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Experience


Urology Group of New Mexico, PC	                            Albuquerque, NM
Collections Specialist	                                          2002-2004 

This was a customer service and general collections position, requiring strong 
yet perceptive communications skills in a stressful client environment.

* Track down unpaid services to determine reasons for nonpayment and alerted 
  clients of disposition plan.

* Created aging and delinquent reports; and set monthly key targets for 
  collections.

* Instrumental in the transition from obsolete computer system to new system.



Law Offices of XXX 	                                    Albuquerque, NM
Collections Specialist	                                          2000-2002 

Performed charge off collections for key accounts, which included; Citibank, 
Ford Motor Credit, Monaco Finance, as well as smaller accounts.

*  Contacted debtors and set-up payment arrangements.

*  Referred non-paying debtors for legal process and suit.

*  Researched assets holdings and employment status for garnishment purposes.

*  Set-up new payment schedule for judgment cases.

*  Routinely conducted credit background checks.


XXX Healthcare (Reliant Financial Services) 	            Albuquerque, NM
Collections Specialist	                                          1998-2000
 
Performed first level collections, secondary billing, posting cash receipts
and processing credit balances.

*  Entered information into computer system to record customer's outstanding 
   balances.

*  Traced unpaid items to determine reasons for nonpayment and notified 
   customers of disposition.

*  Customer support functions included heavy phone interactions, problem 
   resolution, and routine account follow-up.

*  Analyzed aging and trial balance receivable reports, to insure all accounts 
   were actively perused and follow-up upon.


XXX Corporation Inc.	                                     Rio Rancho, NM
Collections Specialist	                                          1994-1998

Implement collections procedure system and trained staff and management in 
methodology for collections.

*  Collections on past due accounts, including excess property and businesses 
   and franchise licenses.

*  Complied data and prepared aging reports on outstanding accounts.

*  Applied effective customer service and strong negotiation skill to guide 
   delinquent accounts back to level one statues.


XXX National Bank	                                      Cupertino, CA
Collector (Visa/Master Card) 	                                  1985-1993

*  Received and processed collection items such as checks, drafts and 
   coupons presented to bank by customers and corresponding banks.

*  Collected on past due accounts in the 60 to 120 days delinquent segment.

*  Conducted Skip Tracing using computer and database system.


XXX Finance Company	                                         Orange, CA
Customer Service-Collections Clerk	                          1977-1984

*  Collected on past due auto loans; for non-payment set-up field vehicle 
   reposition schedule.

*  Routinely conducted TRW credit checks for loan applications.

*  Collected on past due furnisher contracts, collected payment on 
   installment loans.

Education and Training


Foothill De Anza Community College                                                                                               Los Altos Hills, CA
A.A. Degree Accounting

De Anza Community College                                                                                                                  Cupertino, CA
General Ed. 

Professional Collector Training 
Certificate May 19, 1999

Katts Collection Seminar, 1991

Excel 5.0 Training 1996


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