Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
Generic

David Combrink

Perth,WA

Summary

Self-motivated Agent with [10]-year progressive career in Debt Collection Industru. Offering proven excellence in negotiating with people who are at their lowest. Proficient using Office

Overview

11
11
years of professional experience

Work History

Internal Debt Collection Agent

Australiawide Mercantile Agency
Kingsley, WA
08.2013 - Current
  • Provided customer service to clients through phone and email communication.
  • Developed customer relationships and ensured satisfaction with services.
  • Maintained accurate records of all customer interactions, process customer accounts and file documents.
  • Responded promptly to customer inquiries and complaints in a professional manner.
  • Performed administrative tasks such as data entry, filing paperwork, updating databases and preparing reports.
  • Processed payments from customers by cash, check or credit cards accurately according to company guidelines.
  • Utilized computer systems for tracking, information gathering and and or troubleshooting.
  • Attended team meetings regularly to discuss updates on products, services and policies changes.
  • Followed established procedures for processing returns, exchanges, refunds while maintaining high levels of accuracy.
  • Responded promptly to customer service calls and inquiries from diverse groups of individuals.
  • Delivered excellent service via inbound and outbound calling efforts, meeting established minimum targets.

Skip Trace Investigator

Australiawide Mercantile Agency
Perth, WA
08.2013 - 04.2024
  • Conducted skip tracing investigations to locate debtors or individuals with outstanding legal obligations.
  • Performed detailed analysis of financial records and other documents related to a case.
  • Utilized public databases and proprietary software systems to search for individuals who have skipped out on their responsibilities.
  • Researched court documents, land records, credit reports, DMV records and other sources to find the whereabouts of an individual.

Debt Collector Agent

Australiawide Mercantile Agency
Perth, WA
08.2013 - 04.2024
  • Contacted debtors to discuss payment arrangements and negotiate settlements on delinquent accounts.
  • Analyzed consumer credit reports to determine the best course of action for collecting outstanding balances.
  • Investigated and resolved customer disputes regarding payment history.
  • Maintained accurate records of collection activities, payments, adjustments, and other related information.
  • Identified potential fraud cases and reported them to management for further investigation.
  • Utilized skip tracing techniques to locate hard-to-find debtors.
  • Enforced court orders by seizing assets or garnishing wages according to state law regulations.
  • Explained collection policies and procedures to customers in a clear and concise manner.
  • Educated customers on their rights under the Fair Debt Collection Practices Act.
  • Managed a portfolio of high-risk accounts while meeting set performance goals.
  • Provided timely feedback on account status changes to internal stakeholders.
  • Developed strategies for resolving difficult collections issues with innovative solutions.
  • Reviewed client accounts regularly for accuracy and compliance with federal laws.
  • Drafted letters and notices requesting payment from debtors in accordance with company policy.
  • Monitored past due accounts for timely resolution within established timeframes.
  • Assisted customers in setting up repayment plans that fit their financial situations.
  • Conducted extensive research into debtor's background using various online databases.
  • Initiated telephone calls, emails or written correspondence with debtors regarding overdue payments.
  • Negotiated payment terms that met both customer needs and company expectations.
  • Participated in weekly team meetings to review current cases and develop new strategies.
  • Secured payments by following up with customers which disregarded promise to pay.
  • Met demands of busy collections group by performing high volume of daily calls.
  • Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
  • Advised customers of necessary actions and strategies for debt repayment.
  • Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
  • Located and notified customers of delinquent accounts by mail, telephone or personal visits to solicit payment.
  • Skip-traced with social media sites, professional sites and search engines to find contact information for borrowers.
  • Answered customer questions regarding account discrepancies or problems.

Education

Privacy And Industry Compliace

BeeBox Training
Online
08-2023

Skills

  • Portfolio Management
  • Dispute Resolution
  • Goal-Oriented
  • Debt Collection Industry knowledge
  • Account Management
  • Persuasion strategies
  • Client, customer and supplier Relations
  • Collections best practices
  • Privacy Legislation
  • Familiar with locating individuals
  • Negotiation
  • Stress Tolerance
  • Call center background
  • Patience and Persistence
  • Investigation and skip tracing specialist

Affiliations

  • Crossfit fanatic, in the Gym every day as part of my daily routine
  • Single father to a beautiful two year old
  • Love the outdoors and being active
  • Family person
  • Loyal, worked 10+ years for my current employer
  • Honest and direct
  • My strongest skill is negotating with people and to get them to listen and co-operate under the most difficult situations.

Timeline

Internal Debt Collection Agent

Australiawide Mercantile Agency
08.2013 - Current

Skip Trace Investigator

Australiawide Mercantile Agency
08.2013 - 04.2024

Debt Collector Agent

Australiawide Mercantile Agency
08.2013 - 04.2024

Privacy And Industry Compliace

BeeBox Training

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David Combrink