Montgomery Street, San Francisco, CA94105(555) 432-1000, resumesample@example.com
Summary
In Conjunction with the qualifications with current mortgage, auto collections knowledge, experience to accommodate the demands of a fast-pace growing banking, mortgage financial industry. A challenging and rewarding position as a Short Sale Negotiator, Debt Negotiator, Collections, Customer Service, REO Representative, & Home Equity Loss Mitigation Specialist, Transportation Dispatcher, Supervisor and COO of Staff over 20 people. Motivational leader and organizational problem-solver with advanced supervisory, team building and customer service skills. Experience stepping into roles and quickly making positive changes to drive company success. Focused on using training, monitoring and morale-building techniques to maximize employee engagement and performance.
Skills
Customer service-focused,Auto Business Analyst
Debt and credit management
Foreclosure details collecting documents for underwriters for short sale, and REO procedures
Cash handling, Mentoring
Client, Real Estate,Customer service experience, Scheduling
Energetic Detailed-oriented with foreclosure proceedings
Auto Collections, Mortgage Collections
Contract negotiations,Cost reduction, Policies
Customer care, Strategy,Drivers, Supervisor
KPI management Team oversight,Sales leadership,
Auto Collections, Sales expertise
Excellent communicator
Analytical on proving exit strategies for modifications for troubled home owners.
Credit, Quality control
Customer Service, Settlements
Equity, Time management
Experience
06/2019 to 06/2020Auto Collections for Regional Acceptance Corp.Monarch Healthcare Management | Fairfax, MN,
Developed new business and retained existing accounts.
Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
Leveraged customers' history, industry and demographic information to calculate renewal rates.
Identified profitable opportunities based upon individual account criteria and underwriting standards
Served as liaison between borrowers and lenders and collaborated with both parties to obtain optimal loans for home purchases.
Verified income of borrower and gathered credit information.
Presented and processed client loan documents and verified comprehension of essential language.
Conducted comprehensive analysis and evaluated risk to control underwriting loss.
Provided information about different property liquidation options.
Worked with various lenders to find best deal for 250 homebuyers per month.
07/2015 to 01/2019CooNatural Star Inc. Transportation | City, STATE,
Directed operations, maintenance, security, paratransit, transit planning, and scheduling, quality control, and customer care functions.
Partnering with theChief Executive Officer and the Board of Commissions on short and long term strategic planning and execution, I built operating policies consistent with the agency's broad policies and objectives.
I directed the establishment of goals and critical priorities including oversaw the development and installation of procedures and controls.
Some of my achievements included: Successfully negotiated transportation contracts with Amazon, Walmart, and Best Buy,managing a staff of 19,and achieving a significant cost reduction for the company in the areas of overtime, scheduling, maintenance, and work rules.
Fleet dispatchers track and manage drivers.
They assign drivers routes, destinations, and timelines, as well as keep in touch with drivers who are on the road.
Dispatchers interact with clients and drivers to keep up-to-date information on routes and schedules.
Because a dispatcher interacts with the client to address any concerns or route changes, some customer service experience is helpful.
Dispatchers usually work out of a company office managing digital/physical route and driver files and answer calls from the fleet and customers.
Initiated the development and implementation of multiple policies to maximize operational effectiveness.
Dispatchers also are often the first level of fleet managers.
They monitor driver's schedules, keep track of substitute drivers, and assign them to routes when they are needed.
They ensure that client and legal obligations are met.
Dispatchers also are often in charge of ordering regular maintenance on vehicles by coordinating with either the in-house mechanic's division or a third-party source.
Trained internal staff members on administrative processes, work instructions and procedures to facilitate consistent and seamless company operations.
Monitored multiple databases to keep track of all company inventory.
02/2009 to 06/2017Loss Mitigation III, Short Sale SpecialistJP Morgan Chase Bank | City, STATE,
Collect customer financials to determine eligible for loan modification options to bring account current.
Educate customer of loan process according to real estate and finance laws.
Administered third party solutions to utilize their bulk tracking abilities that resulted in a 200% increase in production turn times.
Collect Past due amounts on mortgage, & home equity loans, detailing negotiating payment arrangements, offering suggestions to customers on how to meet their obligations and advising them as to the possible consequences of not meeting their obligations.
Summary Responsible for operational mentoring, guidance and development of the sales and marketing process based on an assigned portfolio of real estate owned properties, including, but not limited to, associates and business partner training, strategy review and approval and portfolio coverage.
Manages strategies for the timely disposition of assets through marketing, sales and contract negotiations of an assigned real estate owned portfolio, short sale, and Dil.
Negotiated with the process of negotiating Short Sale & DIL for bank owned properties that were underwater with giving an incentive for the short sale and Deed and lieu.
Responsible for helping customers with resolutions on home equity foreclosed properties.
12/2006 to 01/2009Debt NegotiatorDebt Settlement America | City, STATE,
Provided customers settlements between 40%-60% on credit card debt exceeding $10,000.
Managed domestic and small business financial portfolios (in excess of 300+ clients).
Making daily contacts on updated clients of financial status of accounts.
Provided client consultations for the achievement of financial freedom.
Complied charts, graphs, memos of financial data to clients to update financial portfolios.
Market clients' accounts to return higher yields on interest bearing accounts.
Performed daily maintenance of the loan applicant database.
Analysed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
Education and Training
Expected in 2007Certified International Association of Professional Debt Arbitrators | Cedar Valley College, Lancaster, TX, DallasGPA:
Expected in 2006Certificate in Finance & Loan Origination,
Certificate of Ethics & Mortgage Brokers/Real Estate Certificate | Kaplan University, Arlington, TXGPA:
Expected in 08/1992 | Business Management Southern University And A & M College, Baton Rouge, LAGPA:
Expected in 05/1992High School Diploma | Franklin D Roosevelt High School, Dallas, TXGPA:
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Resume Overview
School Attended
Cedar Valley College
Kaplan University
Southern University And A & M College
Franklin D Roosevelt High School
Job Titles Held:
Auto Collections for Regional Acceptance Corp.
Coo
Loss Mitigation III, Short Sale Specialist
Debt Negotiator
Degrees
Certified International Association of Professional Debt Arbitrators
Certificate in Finance & Loan Origination,
Certificate of Ethics & Mortgage Brokers/Real Estate Certificate