Summary
Overview
Work History
Skills
Timeline
Generic

SANDRA HART

Brisbane,QLD

Summary

Results-oriented Credit Specialist with exemplary financial analysis and communication.

Highly skilled Credit Specialist with the know how to deliver complex, detailed information in terms that anyone can understand. A passionate worker with over 3 years of assisting clients by finding solutions to issues and investigating queries. Knowledgeable in all credit procedures.

Highly effective at optimizing credit policies to balance profit and loss.


***My greatest achievement was winning the 2021 CREDIT OFFICER OF THE YEAR with the Australian Institute Of Credit Management.***

Overview

37
37
years of professional experience

Work History

CREDIT SPECIALIST

ALPHA FINANCE
10.2021 - 07.2023
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Proactively identified solutions for customers experiencing credit issues.
  • Developed effective relationships with customers, which helped improve overall payment processes.
  • Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.

CALL CENTRE SPECIALIST & COLLECTIONS OFFICER

OPTIMUM RECOVERIES
03.2021 - 10.2021


  • Extensive experience in all facets of Inbound/Outbound calls
  • Followed all company policies and procedures to deliver quality work.
  • Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
  • Initiated negotiations for debt recovery through email, telephone and mail contact.
  • Abided by rules of Fair Debt Collection Practice Act for fully compliant activities above basic industry standards.
  • Assisted debtors in setting up payment plans to recover overdue balances.
  • Used skip tracing and other techniques to locate debtors.
  • Set up drafts and processed immediate payments after conducting thorough research and analysis of account.

CUSTOMER SERVICE OFFICER

AIRTRAIN
02.2019 - 03.2020
  • Strive for excellence, with integrity and honesty, regardless of the outcome”
  • Retrenched due to co-vid, Customer service, cash handling, cleaning, information desk, ticket sales where I exceeded sales targets and KPI’s on a regular basis.

MANAGER

IMBIL TOWN & COUNTRY BAKERY
12.2017 - 01.2019
  • Customer service, coffee making (Barista), cash handling, daily operation of the bakery, pick up and delivery of stock, cleaning, rosters, budget management and adhoc requests by the owner.

SALES TEAM LEADER

FLICK PEST CONTROL
06.2005 - 10.2009
  • Outbound team leader
  • KPI targets were easily met and exceeded
  • I was awarded Top
  • Alesperson in Australia for 6 months concurrently
  • Performed all leadership duties and made outbound and cold calls to ensure customer retention and growth
  • My career progressed into the
  • Perations Department which included scheduling runs for pest management operators and corporate retention.

CUSTOMER SERVICE ALLROUNDER

WOOLWORTHS MARGATE
08.1987 - 12.1997
  • All facets of each department within the store
  • Customer service, cash handling, cleaning, food prep, food service, stock fill and stock control plus night fill
  • This was a full-time position which I held for 10 years
  • I resigned when I chose to stay at home and raise my children.

CUSTOMER SERVICE REPRESENTATIVE

Cleanaway Waste Management
11.2023 - Current
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
  • Responded to customer requests for products, services, and company information.
  • Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
  • Developed strong product knowledge to provide informed recommendations based on individual customer needs.
  • Processed customer service orders promptly to increase customer satisfaction.

Skills

  • Credit data assessments
  • Advisory credit understanding
  • Credit validations
  • Customer Relations
  • Documentation preparation
  • Delinquency monitoring
  • Credit reports
  • Sales proficiency
  • Financial Documentation
  • Customer Records Analysis
  • Credit Validations
  • Past Due Procedures
  • Customer Relationship Management
  • Telephone Etiquette
  • Creative Solutions
  • Persuasion Techniques
  • Documentation Management
  • Information Updates
  • Closing Procedures
  • Productivity Standards
  • Regulatory Requirements
  • Data Privacy
  • Credit and Collections
  • Payment Arrangements
  • Complex Problem-Solving

Timeline

CUSTOMER SERVICE REPRESENTATIVE

Cleanaway Waste Management
11.2023 - Current

CREDIT SPECIALIST

ALPHA FINANCE
10.2021 - 07.2023

CALL CENTRE SPECIALIST & COLLECTIONS OFFICER

OPTIMUM RECOVERIES
03.2021 - 10.2021

CUSTOMER SERVICE OFFICER

AIRTRAIN
02.2019 - 03.2020

MANAGER

IMBIL TOWN & COUNTRY BAKERY
12.2017 - 01.2019

SALES TEAM LEADER

FLICK PEST CONTROL
06.2005 - 10.2009

CUSTOMER SERVICE ALLROUNDER

WOOLWORTHS MARGATE
08.1987 - 12.1997

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