Ashley Simmons Email & Phone Number

Hoover, Al

Market final expense products and services with a focus on the senior market. Recruit, train and develop new agents. Develop systems and training programs for agent development and customer retention. Oversee development of multiple offices in Alabama, Mississippi and Louisiana.

Main responsibilities include acquiring new business by informing and advising general public and special interest groups of company products and services by way of various expos, shows and different special events. Perform tele-prospecting and generate leads by interviewing and assessing situation to determine qualification of potential prospects. Analyze traffic patterns and behaviors in different markets to determine opportunity for new business

Assessed and maintained minimal delinquency for an average of 175-200 consumer and commercial loans on a monthly basis. Maintain an average 98% rate of reconciliation on all loans. Reviewed loans and recommend for assistance where possible. Coordinate and prepare loans for modification of terms by analyzing and gathering account information in addition to packaging loans for final determination. Facilitate short sale of bank owned collateral. Partner with other department members to aid with direct marketing to brokers and dealers in targeted areas. Assist with development of plans to acquire new business. Received extensive training on local state and federal repossession laws as well as Fair Debt Collection Practices Act rules and regulations

Manage and service portfolio of secured and unsecured bank issued loans. Assess loans for areas of assistance, via rate reductions, rewrites, and payment extensions. Negotiate arrangements on all installment loans to ensure timely payment and or immediate and effective resolution. Perform offsets of related accounts to satisfy delinquent loans and deposit accounts. Research loans for necessary account maintenance and assess whether fee adjustments and or payment adjustments were necessary. Analyze and evaluate loan history and customer financials to determine customer ability to pay. Recommend and advise customer of various bank andGovernment sponsored loan programs that may aid and assist in strengthening the loan as well as provide customer with account resolution and possible forbearance. Assist with the planning and coordination of the government sponsored Making Home Affordable program for mortgage secured loans. Provide supervisor with technical advice and ensure sound servicing anddecisions are being made on vehicle secured accounts and initiate foreclosure proceeding when and if necessary. Prepare and send unsecured loans for charge off and if applicable file with local court to initiate judgment proceedings and or wage garnishments.

Handled 250-275 calls per day and maintained 90-180 day delinquent accounts. Reconciled extremely delinquent customers while researching and analyzing cardholder problems, offering additional products and services as needed, and negotiating payment arrangement. Utilized extensive search agent, as well as other resources to locate and contact customers while informing them in a professional and tactical manner of options and consequences if obligations not met. Participated in various focus groups that helped implement and maintain changes to various operational procedures. Communicated effectively on all levels.

Worked closely with direct supervisor and Vice President of department to achieve company goals. Assist with individual training for new hires, call monitoring and quality assurance, as well as complete and administer monthly/annual reviews. Administered coaching and development to staff and handled escalated calls. Reviewed operational and production reports to monitor performance and ensure daily goals were achieved. Responsible for curing charged-off collection accounts

Handled past due accounts for 30-180 days delinquent customers. Negotiated account reconciliation. Resolved financial problems for delinquent loan members, while offering suggestions to customer on how to meet their obligations as required. Perform account maintenance as necessary.

Assisted with payroll processing through PeopleSoft as well as benefit enrollment. Scheduled and planned travel arrangements for employees, plan and schedule meetings, trainings and conferences for director, staff and prospects. Independently and/or collaboratively developed or updated numerous handouts, brochures, accounts payable and accounts receivable. Maintained attendance and vacation records for all employees. Collaborated with board members and partners to facilitate the accurate and timely preparation of documents including financial reports from draft to distribution. Provide human resources and bookkeeping functions including printing and distribution of bi-weekly payroll checks and checks for all expenditures. Maintained exceptional oral and written communication skills, problem resolution abilities, and a high level of confidentiality

B.A., Marketing/Information Resource Management

All requirements for marketing degree are completed, however, added second concentration, therefore extending my graduation date.

Bachelors, Marketing / Information Resource Management

09/2010