Tonya Bettis Email & Phone Number

Greater Atlanta Area

Hicksville, Ny 11081

(Subsidiary of the publicly traded New York Community Bancorp.) Compares current analysis to previously completed reviews and reports major changes/trends to department manager. Enters data relative to satisfactory/required debt service coverage. Advises department manager of findings if debt service coverage is not adequate. Performs in-depth reviews of loans in the High-Profile portfolio and works with the bank's loan officers in completing said reviews. *Communicates with borrowers, managing agents, account officers, controllers, attorneys and brokers as needed to clarify information. Performs special projects, and additional duties and responsibilities as required. Where applicable and when performing the responsibilities of the job analyzes borrowers' financial statements, balance sheets, income & expense statements, rent rolls, etc. Reviews current escrow balances as well as outstanding undertakingsCommercial Collections AnalystNegotiated payment plans with appropriate approval and documents, extensive follow up with client via phone and email contact collecting.Manage a portfolio of 80+ accounts, with the average balance of $100 + million in monthly receivables.Documenting daily collections activity, researching account disputed and billing discrepancies providing excellent customer service, communication and negotiating skills.Identifying delinquent accounts requiring external collection.Sends out correspondence in accordance with department policies and procedures.Contacts credit, employment and other references when customer’s whereabouts are unknown.

Lakeville, New York

Negotiated payment plans with appropriate approval and documents, extensive follow up with client via phone and email contact collecting.• Manage a portfolio of 400+ accounts, with the average balance of $2.5 million in monthly receivables.• Documenting daily collections activity, researching account disputed and billing discrepancies providing excellent customer service, communication and negotiating skills.• Identifying delinquent accounts requiring external collection.

Lake Success, New York

Manage a portfolio of 400+ accounts, with the average balance of $4.5 million in monthly receivables. Reduced the 2012 DSO goal for NYTimes Digital, by 1.2 days (goal 80 vs. actual 78.8).Contact customers daily via phone and e-mail. Responsible for submitting client invoices, collection letters and monthly statements, while• Providing customer service for both internal and external customers. Reconcile accounts and unidentified payments by working closely with cash services. Work closely with the sales team to resolve customer account issues. Monitor accounts that are listed on the dispute log, while working closely with the billing/dispute team on•Resolving existing disputes. Monitor accounts that are placed on credit hold by notifying customers and sales personnel. Review accounts coded to the credit hold list.• Prepare accounts for proposed write off and possible turn over to legal for uncollectable balances. Review the bi-weekly Unapplied Report while updating current collection efforts in effort to reduce the DSO• Performed collections and customer service for the accounts receivable portfolio. AR totaling 32M retrieving up to 95% monies owed.•Provided monthly statements for large volume customers, email excel statement, followed up on payment arrangements for over 400 plus accounts.•Documenting daily collections activity, researching account disputed and billing discrepancies. providing excellent customer service, communication and negotiating skills•Responding to credit inquiries from external and internal clients. Creating and maintaining credit history files.•Identifying delinquent accounts requiring external collection efforts

Decatur Georgia

Analyzed and resolved customer issues and concerns in the following ways: performed excellent customer service to meet the needs of the insured, agent and all other internal and external customers with flawless accuracy, assess needs and suggest/promote alternative products or service•Acted as liaison between customer, client, and any other third parties. This is including but not limited to, answering high volume of incoming calls and email, proactively working with Operations for problem resolution and/or research, while maintaining internal and external relationships.

Greater Atlanta Area

Negotiated payment plans with appropriate approval and documents, extensive follow up with client via phone and email contact collecting• Up to $200,000 in unpaid money for 900 plus accounts. Served as a point of contact for sales, software maintenance renewals,•Followed up on payment arrangements via email phone calls and letters.

Processed and reviewed all client applications (average of 30 daily) insuring all required documents were submitted with 100% accuracy.• Performed customer service and collections on for multiple divisions. AR totaling $22 M retrieving up to 75% of monies owed•Provided monthly statements for large volume customers, email excel statement (exported from SAP and formatted) followed up on payment arrangements for over 950 plus clients. Acted as a liaison between credit managers and sales representatives assisting in credit decisions including sending credit approval/denial email to the sales team/administrator, setting up new accounts in SAP, and inputting the credit limit ranging from 20,000.00 to 1,0000.000. Served as a point of contact to sales representatives/administrators to release orders, increase and restore credit limits.•Developed and maintained strong relationships with Sales mangers/Administrators Bekaert Belgium division. Submitted applicants outside of the USA to Atradius and provided recommended credit lines per applicant.•Authenticated and cleared customer deductions according to established process and procedure in a timely manner. Resolved 80% of the problems connected will billing and provided monthly statements to management.•Accessed and reviewed Dunn & Bradstreet credit reports to determine customers credit worthiness; validated credit references for management.•Prepared accounts for lawsuits with Attorneys providing statement of account, copies of open invoices, credit application and followed up with attorneys regarding progress reporting status to management. Monitored accounts provided additional information as needed until file was closed.

Greater Atlanta Area

Negotiated payment plans with appropriate approval and documents, extensive follow up with client via phone and email contact collecting up to $20000.00 in unpaid money. Resolved problems connected with billing, refunds and credit card payments documented and processed adjustments in amounts of $7,500.00 for 800 plus accounts annually.• Selected as the top account receivable specialist for three (3) years in a row.• Served as a point of contact for sales, service and supply mangers, dispatched service calls and equipment sales as needed on a daily basis.

Diploma, General Studies

Education record