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Auto Finance Collector II Resume Example

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AUTO FINANCE COLLECTOR II
Summary

Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build client relationships. Ability to function at a high level in a wide variety of settings.

Areas of Expertise
  • Microsoft Office Proficiency
  • Client Development & Communications
  • Credit & Collections Call Center Environment
  • Mortgage Originations & Fulfillment
  • Data Research & Resolution
  • Customer Service & Satisfaction
  • Time & Risk Management
  • Loan Processing & Underwriting
Experience
Company NameOctober 2013Auto Finance Collector II
City, State
  • Contacted customers via telephone and/or mail to collect past due amounts for all of the Chase portfolios in a range of delinquency.
  • Assessed the individual circumstances and decided upon an appropriate course of action for collecting amounts.
  • Helped determine reasons for non-payment, negotiating payment arrangements, offering suggestions to customers on how to meet their obligations and advising them as to the possible consequences if disregarded.
Company NameJanuary 2012 to August 2013Home Service Specialist II Refinance Loan Processor
City, State
  • Adhered to all federal and state compliance FNMA/FHLMC conventional guidelines relative to retail mortgage lending for MHA, HARP, and CEMA home loans.
  • Reviewed income/credit analysis and documentation to determine loan eligibility utilizing the SAFE Mortgage Licensing Act of 2008.
  • Educated customers on the variety of loan products and available credit options managing more than 60 client relationships a month.
  • Ordered and executed credit reports, insurance policies, flood certificates, appraisals, preliminary title reports, Real Estate tax certifications and internal/external subordinations.
  • Exceeded monthly, quarterly, and annual production goals closing and funding conventional conforming loans.
Company NameAugust 2011 to December 2011Executive Response Specialist II: Loan Modification Underwriter
City, State
  • Provided meticulous attention to detail in underwriting Presidential escalations for FHA, VA, and Private investor loan modifications by ensuring loan submissions met internal and external eligibility requirements.
  • Analyzed applicants' credit and income, assets and cash-flow, loan-to-value and debt-to-income ratios, etc.
  • to determine feasibility of granting the loan to borrowers in default.
  • Leveraged knowledge of delegated underwriting authority and automated underwriting systems such as DU and LP to help restructure turned-down loans for subsequent approvals.
  • Developed, implemented and monitored new underwriting guidelines for government and supplement loan modification programs.
  • Demonstrated excellent follow-through with borrowers, loan processors, and management throughout all phases of the underwriting process.
February 2010 to July 2011Loss Mitigation Specialist II: Short Sale Prospector
  • Built partnerships with attorneys, Realtors, brokers, insurance agents, title vendors, and lenders including Fannie Mae, Freddie Mac, FHA, VA, and other Private investors to delegate Short Sale and Deed In Lieu approvals.
  • Sufficiently acted as a liaison between buyers, sellers, investors, etc.
  • negotiating contracts and collecting all necessary documentation and payments to avoid foreclosure.
  • Frequently submitted orders and disputes on Broker Price Opinions and Appraisals for investors to conduct qualitative analysis of property assessment value.
  • Managed inquires and requests from clients and third parties via phone, fax, and E-mail manually entering data into a centralized database and imaging system.
  • Worked in a goal-oriented environment, achieving individual and team daily, monthly, and quarterly performance targets.
January 2009 to January 2010Loss Mitigation Specialist II: Homeowner Assistance Representative
  • Efficiently serviced high volume inbound/outbound calls to analyze the best possible option for curing loan defaults in accordance to borrowers financial hardship.
  • Pre-qualified and set up loan modifications, forbearance agreements, repayment plans, and loan reinstatements.
  • Collected loan payments 60-120+ days past due and sold mortgage products by enforcing call center policies, procedures and quality assurance measures.
  • Utilized customer service call scripts i.e.
  • the Miranda rights inputting client information and documentation into various systems for approval and completion.
  • Assisted in implementing new techniques and procedures to enhance efficiency in the homeowner financial assistance process.
October 2006 to December 2008Service Processor II: Loan Document Processor
  • Reviewed and updated existing customer loans and other mortgage documents.
  • Searched various systems for multiple investor loans.
  • Prepared mortgage documents for imaging and relocation.
  • Sorted and documents for shipping to investors and custodians.
Education
St. Charles Community College2008Associate of ArtsCity, State
Emil E. Holt Senior High School2005High School DiplomaCity, State
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Resume Overview

School Attended

  • St. Charles Community College
  • Emil E. Holt Senior High School

Job Titles Held:

  • Auto Finance Collector II
  • Home Service Specialist II Refinance Loan Processor
  • Executive Response Specialist II: Loan Modification Underwriter
  • Loss Mitigation Specialist II: Short Sale Prospector
  • Loss Mitigation Specialist II: Homeowner Assistance Representative
  • Service Processor II: Loan Document Processor

Degrees

  • Associate of Arts
    High School Diploma

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