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:

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 SMART to FMS 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.

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." Practice Manager, Urology Group of New Mexico, PC

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 skill 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)                                                                                                              1985-1994

• 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 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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