Melonice Lindsey

Daily Account Work Summary

• Managed up to 50 delinquent accounts daily to resolve past due balances and bring loans current.
• Contacted customers to discuss delinquency status, payment options, and consequences of non-payment.
• Sent demand letters to customers when resolution could not be reached through direct communication, formally requesting payment and notifying of potential escalation.
• Followed up with customers via phone and email to confirm receipt of demand letters and discuss next steps.
• Coordinated with internal departments including:Customer Service – for account verification and payoff processing
  61+ Collectors – for escalated delinquency handling
  Accounting – to confirm payment posting and reconcile balances
  
• Assisted with ACH setup, automatic payment management, and payoff requests, including informing customers of applicable fees and procedures.

• Identified and fulfilled financial requirements while providing personalized financial counseling to members.
• Executed file maintenance and account changes,
• Arranging accounts in the general ledger
  Assigning account numbers
  Maintaining accurate and updated records
  
• Trained and mentored members on effective capital administration, leveraging strong leadership and financial literacy skills.
• Ensured compliance with OFAC and the Bank Secrecy Act, supporting regulatory standards and organizational integrity.
• Managed a variety of financial services including:
  Payroll Deposits
  Banking transactions
  Certificates and IRAs
  Membership applications and bill payments
  
• Promoted and cross-sold credit union services to strengthen member relationships and improve customer retention.

• Engaged in collection calls, letters, and correspondence within a goal-driven collections department to provide timely responses and support to clients.
• Facilitated members in resolving account issues while defending the credit union’s interests.
• Proactively addressed account problems by following up and collaborating with members and internal departments.
• Utilized TLO skip tracing tools when standard contact methods (phone, email, text, field visits) failed to locate members.
• Collaborated with credit union attorneys, staff, realtors, and vendors

Collections
Bankruptcy processes
Real estate-owned (REO) property sales

• Supported the fraud team and deceased accounts team with investigations and account resolution.
• Sent demand letters when unable to reach resolution through direct contact, initiating formal collection procedures.
• Minimized delinquency on assigned accounts to reduce credit risk and improve profitability.
• Contributed to the reduction of real estate delinquency from over $10 million to under $1.5 million.
• Explained and supported members through the bankruptcy filing process, ensuring compliance and clarity.

• Identified and fulfilled members’ financial needs while providing personalized financial counseling.
• Executed file maintenance and account changes, including general ledger organization, account number assignment, and record updates.
• Trained and mentored members on effective capital administration, leveraging strong leadership and financial literacy.
• Ensured compliance with OFAC and the Bank Secrecy Act, supporting regulatory standards and operational efficiency.
• Managed a wide range of financial services including:Payroll
  Deposits
  Banking transactions
  Certificates and IRAs
  Membership applications and bill payments
  
• Promoted and cross-sold credit union services to enhance member relationships and improve customer retention.