SANDRA HOWERIN

showerin@verizon.net
www.linkedin.com/in/Sandrahowerin

Virginia Beach, VA 23464

757-749-0041
757-962-0012

PROFESSIONAL SUMMARY
Recently completed the Paralegal and Advanced Paralegal Online Certificate programs with
George Mason University. Previous Operations Production Coordinator for one of the nations
top ten largest banks. Highly experienced in working with contractually obligated law firms to
analyze and create resolutions for debt collections in accordance with federal, state, and local
regulations. Adept at managing concurrent tasks and leveraging prioritization skills to achieve
defined objectives. Strong problem solving expertise and analytical skills. Proficient at
reviewing financial data and identifying solutions to account balance discrepancies in litigation.
Excellent Communications Skills
Strategic Critical Thinking

Learning Agility
Conscientious Work Ethic

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PROFESSIONAL EXPERIENCE
Capital One, Chesapeake, Virginia
2012-2015
Operations Production Coordinator
Managed credit card account reconciliation process for accounts placed with outside law firms
for litigation and collection. Facilitated weekly conference calls with these firms to provide
resolutions and implement changes to resolve past and prevent future discrepancies.

Reduced volume of accounts with discrepancies achieving time efficiencies and cost/vendor
savings.
Used clear and concise written and verbal communication techniques to motivate firms to
implement recommended changes to reduce risk.
Earned excellent quality and production reviews contributing to department success in
achieving business goals.

HSBC, Chesapeake, Virginia (acquired by Capital One)

2003-2012
Delinquency Services Representative
Managed assigned portfolios and maintained efficient business relationships with multiple
contractually obligated attorneys to secure re-payment of delinquent loans.

Assured state and federal collection laws and regulations were honored in all interactions
with the customer, which reduced risk exposure and potential liability.
Drafted solid solutions to customers delinquent accounts while maintaining fair and
equitable business transactions for the company and achieving the highest level of integrity
and compliance.
Exceeded quality and production expectations consistently while serving as an instrumental
team member helping mentor associates in all aspects of the job.

Sandra Howerin
showerin@verizon.net
757-749-0041
757-962-0012

Served as the go to subject matter expert for policy and systems issues increasing
team knowledge and effectiveness.

Earned 2nd place ranking in mid-range collections and 3rd in bad debt collections for
achievement of overall performance objectives.

Branch Banking and Trust of Virginia, Virginia Beach, Virginia

2002-2003
Relationship Banker
Originated, opened, and maintained personal and business checking, savings accounts,
Individual Retirement accounts, and Investor Deposit accounts as well as supported the overall
daily branch operations.

Cultivated profitable client contacts by recommending beneficial products and services

increasing bank revenue.
Investigated and resolved needs of a substantial client base increasing customer
satisfaction.
Maintained a high level of honesty and integrity in dealing with confidential information,
protecting privacy and adhering to regulatory requirements.
Received exemplary quality scores on both inbound and in person mystery evaluations.

EDUCATION / TRAINING
Advanced Paralegal Certificate

George Mason University Herndon, Virginia

Advanced Legal Research

Real Property Law

Bankruptcy Law
Business Law and Practices
Criminal Procedure
Estate Planning Probate, Wills & Trusts
Software Essentials for the Law Office

Bachelor of Arts, Communications

Old Dominion University Norfolk, Virginia
PROFESSIONAL DEVELOPMENT

WestlawNext
LexisNexis
CaseMap 10
TimeMap
Trial Director
Code of Business Conduct and Ethics
Insider Trading Awareness
Anti-Money Laundering
Notary for the Commonwealth of Virginia