Maria L. Courand
Senior Branch Account Executive II
Citrus Heights
Summary
Results-driven Consumer Lending and Finance Professional with over 20 years of experience in revenue generation, risk portfolio management, and client service. Expertise includes consumer underwriting, sales strategy development, cross-selling, and implementing financial hardship programs. Maximizes branch profitability through consultative selling and effective loan closing strategies.
Overview
20
20
years of professional experience
Work History
Senior Account Representative II
Mariner Finance
04.2025 - 02.2026
- Executed high-volume consumer lending decisions, evaluating creditworthiness, debt-to-income ratios, and collateral values to mitigate portfolio risk.
- Consistently maximized branch revenue and enhanced consumer financial security by presenting and securing optional protection plans at every loan closing, including involuntary unemployment, life, and disability insurance.
- Marketed and integrated value-added products, including comprehensive home and auto membership plans, into borrowing packages to enhance customer offerings.
- Troubleshot at-risk accounts by assessing customers for specialized hardship assistance programs to address verified financial disruptions.
- Guided clients through financial relief applications, structuring customized modification plans to support borrowers and protect branch assets.
- Drove local business development and customer acquisition strategies, consistently meeting and exceeding branch lending targets.
- Administered daily payment processing, including secure ACH transactions executed in person, online, and via phone to ensure timely account updates.
- Oversaw accounts receivable and implemented strategic delinquency management to ensure minimal default rates.
Accounts Receivable Specialist
Holt of California
01.2023 - 04.2024
- Managed high-volume corporate accounts receivable portfolios, streamlined billing workflows to lower Day Sales Outstanding (DSO).
- Optimized cash flow by overseeing diverse payment processing channels, executing high-volume ACH transactions securely over the phone and through online portals.
- Reconciled complex financial accounts, identified billing discrepancies, negotiated payment resolutions to enhance client satisfaction.
- Partnered with cross-functional departments to streamline credit approval policies, improving cash flow management.
Collection Specialist II
Consolidated Communications
02.2021 - 04.2022
- Managed portfolio of delinquent consumer and commercial accounts, negotiating payment schedules and settlements to maximize loan recovery.
- Managed a portfolio of delinquent consumer and commercial accounts, successfully negotiating payment schedules, settlements, and loan recovery options.
- Processed recurring and one-time payments using ACH systems securely via phone and online portals, ensuring compliance and efficiency.
- Maintained compliant documentation of collection efforts and payment arrangements, aligning with industry regulations and enhancing accountability.
Senior Branch Account Executive II
OneMain Financial
12.2005 - 02.2021
- Utilized strong relationship-building and consultative sales skills to promote financial solutions, aligning loan structures with individual customer financial needs and goals.
- Conducted credit investigations, analyzing financial statements, tax returns, and credit bureau reports to inform lending decisions.
- Conducted meticulous credit investigations, analyzing financial statements, tax returns, and credit bureau reports to make sound lending decisions.
- Led branch collections and managed payment processing, resolving past-due accounts through ACH transactions in person, online, and via phone.
- Directly engaged with delinquent accounts to negotiate loan modifications, payment arrangements, and structured repayment schedules.
- Mentored and trained onboarding team members on financial compliance and sales strategies, fostering a culture of customer service excellence.
Education
Business Administration Certificate -
Heald Business College
Hayward, CA01-2000
Early Childhood Education - undefined
Chabot College
Hayward, CA01-1999
High School Diploma - undefined
Tennyson High School
Hayward, CA01-1995
Skills
- High-impact sales
- Loan protection sales
Data analytics
Closing skills
Lead development
Client Retention
Customer Engagement
Acquiring new customers
Inbound and outbound leads
Account management
Business development
Sales proficiency
Account reconciliation
Prospecting skills
Contract negotiation
Communication skills
Problem-solving
Analytical thinking
Customer satisfaction
Task prioritization
Verbal communication
Decision-making
Financial Analysis
Sales reporting
Written communication
Active listening
Organizational skills
Attention to detail
Strategic planning
Timeline
Senior Account Representative II
Mariner Finance
04.2025 - 02.2026
Accounts Receivable Specialist
Holt of California
01.2023 - 04.2024
Collection Specialist II
Consolidated Communications
02.2021 - 04.2022
Senior Branch Account Executive II
OneMain Financial
12.2005 - 02.2021
Early Childhood Education - undefined
Chabot College
High School Diploma - undefined
Tennyson High School
Business Administration Certificate -
Heald Business College