Johanny Cabrera
Lawrence
Summary
Extensive experience in collections with a strong understanding of FDCPA regulations and effective negotiation skills. Engaged in problem-solving and active listening to address client needs, resulting in enhanced collection targets. Supervised collection operations, providing guidance on complex accounts and preparing detailed progress and monetary reports. Demonstrated proficiency in skip tracing, contributing to improved client relationships and successful account resolutions.
Overview
16
16
years of professional experience
2010
2010
years of post-secondary education
Work History
Collections Manager
Zwicker and Associates P.C.
Andover
02.2025 - Current
- Knowledge of the FDCPA
- Negotiation skills.
- Problem-solving
- Engaged in effective listening to understand and address client needs.
- Enhanced targets for collections.
- Supervised the collection floor and act as a second voice (T.O.) on accounts in need of securing funds.
- Prepared progress and monetary reports, verified pay-by-phone transactions, and performed skip tracing when necessary.
- Calibrated calls for the future improvement of collectors.
- Meet clients projected number
- Enter consumers on stipulated agreements
- Communicate with attorneys, if able to negotiate on accounts with answer filed, garnishments and etc.
Collections Agent
Associated Credit Services
Tewksbury
11.2024 - 02.2025
- Demonstrated proficiency in adhering to FDCPA regulations.
- Conducted skip tracing efficiently.
- Analyzed financial data within credit reports.
- Enhanced client relationships through effective negotiation strategies.
- Efficiently prioritized tasks to meet deadlines.
- Communication skills.
Sales Associate
Canobie Lake Toyota
Salem
06.2022 - 11.2024
- Meet and greet customers, establish rapport, and identify their needs.
- Achieve sales conversion targets by effectively presenting vehicle features and benefits
- Provide leasing or buying options.
- Implement sales and marketing strategies to generate leads and increase sales.
- Follow up on leads, and provide exceptional customer service throughout the sales process.
- Assist customers with auto credit applications.
- Negotiate contracts, and ensure customer satisfaction to build long-term loyalty.
- Set and exceed sales goals through active listening, and effective communication.
Collectors/ Collection Supervisor
Valentine & Kebartas
Lawrence
05.2010 - 02.2018
- Knowledge of the FDCPA.
- Supervised collection floor, alongside management.
- Assisted in collection training, attended interviews, and handled litigation account abilities.
- Reviewed call recordings for improvement needs, and demonstrated credit report reading proficiency
Collector/Collections Supervisor/Collections Manager
Zwicker & Associates P.C.
Andover
05.2010 - 02.2018
- Knowledge of the FDCPA
- Negotiation skills.
- Problem-solving
- Engaged in effective listening to understand and address client needs.
- Enhanced targets for collections.
- Supervised the collection floor and acted as the second voice (T.O.) on accounts in need of securing funds.
- Prepared progress and monetary reports, verified pay-by-phone transactions, and performed skip tracing when necessary.
- Calibrated calls for the future improvement of collectors.
Education
Greater Lawrence Tech.
Andover, MaSkills
- Familiarity with collections software Critical thinking
- Microsoft Excel certified
- Problem solving
- Credit Report Analysis
- Teamwork and communication
- Ability to close on deals
- Customer service
- Reliable and trustworthy
- Sales and negotiation
- Skip tracing
- Proficient in lead generation and follow-up
Timeline
Collections Manager
Zwicker and Associates P.C.
02.2025 - Current
Collections Agent
Associated Credit Services
11.2024 - 02.2025
Sales Associate
Canobie Lake Toyota
06.2022 - 11.2024
Collectors/ Collection Supervisor
Valentine & Kebartas
05.2010 - 02.2018
Collector/Collections Supervisor/Collections Manager
Zwicker & Associates P.C.
05.2010 - 02.2018
Greater Lawrence Tech.