Yissell Maria

Results driven Collections Specialist with over 10 years' experience working directly with clients to resolve delinquent accounts and provide optimal customer service. Proficient communicator with excellent time management, troubleshooting, and focus on solutions.

Collections Specialist/Asset Recovery Specialist - Garden Savings Federal Credit Union - Parsippany, NJ

(2013-12)

Collect on past due unsecured and secured consumer loans: auto loans, mortgages, HELOCs, Personal Lines of Credit, credit cards and overdrawn/negative share accounts.

• Perform cold calls to establish contact with delinquent clients.
• Maintain assigned work queues.
• Consistent follow up on promise to pay arrangements.
• Assign repossession of collateral via third-party repossession agents.
• Maintain an accurate log of repossessions.
• Provide management with a monthly list of repossessed collateral, sold, pending sale, etc.
• Handle total loss claims.
• Document all collection efforts in Temenos collections platform.
• Effectively use skip tracing techniques to establish contact via Lexis Nexis.
• Handle credit disputes through E-Oscar.
• Ensure adherence to credit union collections procedures and all collection practices in accordance with FDCPA.

Collections Specialist - Cadent, Inc/ Align Technology - Carlstadt, NJ

(2010-08 - 2013-11)

• Collected over 1000 active accounts.
• Received Credit card transactions and processed them through a 3rd party credit card system.
• Made 100 to 120 cold calls to delinquent clients 15 days delinquent to 180 days delinquent.
• Made recommendations for accounts to be handled by a 3rd party collection agency to senior management pre charge off.
• Account reconciliation.
• Applied checks as needed.

Medical Billing Specialist - David A. Nunez, M.D., F.A.C.O.G. - Paterson, NJ

(2009-11 - 2010-07)

• Posting of charges and payments, data entry and follow up with insurance companies.
• Knowledge of CPT, ICD-9 codes, Knowledge of the HCFA-1500 form, and EOB.
• Checking Eligibility\Benefits/Claims status.
• Electronic and paper claim submissions.

Collections Specialist - TD Bank North - Mahwah, NJ

(2007-09 - 2009-10)

• Reviewed consumer and commercial account status and contact customers by telephone on a regular basis.
• Contacted recourse dealers regarding potential losses.
• Explained payments options and promotional plans to all commercial and consumer customers.
• Informed customers/business owners that the account will charge-off after 7 months with no payment.
• Cold calling to recover on account receivables delinquent 15 days to pre charge-off (180 days).
• Determined reasons for customer delinquencies and decide best ways to secure payment based on evaluation of customer situations, bank's methods and procedures.
• Assisted with bankruptcy and CCCS.
• Skip traced to generate contact numbers and/or locate unresponsive clients.
• Negotiated with borrowers to offer payment plans to resolve delinquency.
• Helped mitigate losses by offering assistance (forbearance).
• Coordinated with customer service to resolve disputes.
• Adhered to Bank Secrecy Act, Fair Lending, and Anti-Money Laundering policies.

Certified Medical Billing and Coding - School of Business and Medical Sciences - HOHOKUS HACKENSACK SCHOOL (2007-01 - 2008-07)

Business Administration - Business Administration - PASSAIC COUNTY COMMUNITY COLLEGE (2003-09 - 2015-09)