Image360-RVA is involved with the large format graphics industry. As an Account Representative my goal is to add value to and promote area businesses by working with clients to provide solutions to their interior and exterior signage needs. Image 360 is able to design, produce and install an incredibly diverse range of products across a range of industries. Our offerings include vehicle wraps, floor and wall graphics, Point of Purchase displays along with a myriad of other products tailored to the specific needs of your business.

Manage 61+ day delinquency of auto finance portfolio in assigned territories through personally controlling critical aspects of the process. Employ active listening with strategic negotiation skills to decisively act on information discovered regarding collateral location.• Build rapport and trust with customers to deflect customer objections and find a common-ground solution that can provide for the needs of both parties. • Utilize common sense and sound judgment while empathizing with customers to determine if loan redemption best protects the financial interests of the company • Collected or repossessed 78% of assigned $380,366 delinquent portfolio January 2016 which is the highest percent achieved company-wide for the calendar month of January in the last three years.

Designed post judgment collection remedies through direct contact with members or through legal channels. Analyzed customer payment history, credit underwriting and loan documentation to develop and execute negotiation strategies.• Contacted delinquent customers through various means, using research, persistence and communication skills to source out information and implement action strategies. • Communicated relevant information to outside counsel and internal management to bring situations to a favorable conclusion.• Demonstrated ability to interact with customers, sales agents and other vendors to review, negotiate and restructure business terms to preserve and upgrade the relationship

During 8+ years with Volvo Financial Services, built reputation for excellent work ethic and adaptability, which resulted in transfers and promotions from Dealer Auditor to Credit Analyst, Collections Specialist, and Deficiency Account Management & Recovery Specialist.• Managed $100MM collection account portfolio negotiating payment structure and terms while maintaining customer credit worthiness for future business opportunities. • Conducted thorough research in order to uncover assets of individual consumers and businesses, gathering all pertinent data to reveal potential resources for leverage in negotiation.• Addressed customer service issues in the field by managing expectations and coordinating with external dealers and internal sales team. • Increased unsecured deficiency balance portfolio recoveries by 10% from 2012 to 2013 to $802,000.• Sole collections team member selected to participate in a corporate wide 2009 contract modification project, to streamline workflow between various business units involved with consumer payment relief processes. • Managed all aspects of deficiency account resolution from extensive direct consumer interaction to attorney referral including decisions on when to negotiate settlement of monies owed or pursue through civil litigation including post judgment collection remedies.

Assisted customers with balance reconciliation in addition to providing first level technical support of Time Warner Television and Internet equipment. • Efficiently handled both customer service and sales related telephone inquiries.• Expanded customer relationships by active listening, probing questions and building value in products and services. • Consistently performed in the Top 4% for call center billing/sales associates in up selling, productivity and schedule adherence