Collections Representative Resume Example Cottonwood Financial

COLLECTIONS REPRESENTATIVE

Summary

Financial Services Professional Meticulous Financial Service Representative who undertakes complex assignments, meets tight deadlines and delivers superior performance. Possesses practical knowledge in corporate finance and mortgage markets. Applies strong financial planning and analytical skills to inform senior management of key trends and reduce company expenditures. Operates with strong sense of urgency and thrives in a fast -paced setting. Fluent in Spanish. Core competencies include : Core Competencies Strategic Planning Risk Management Regulatory Compliance Research & Analysis Portfolio Management Client Relation Consumer & Real Estate Lending Policies and Procedures Project Management

Highlights

Mortgage Banking, Anti Money Laundering Program, Dodd Frank Overview, Fraud Prevention, Fair Lending, Civil Relief Awareness ,Code of Contact

Systems- Fidelity Lending , Equator ,Foretracs ,CCW , LPS , Citrix ,Lenderlive , Equifax,Corelogic ,I vault , CMS , Lexus Nexis , Microsoft Word ,Excel

Experience

Collections Representative
January 2014 to January 2015Cottonwood Financial － Irving, TX

Responsible for Collecting Delinquint Payday Accounts that have been transfered to Corporate Office for assistance with pymt plans offering solutions to.
bring accounts current or offering refinance solutions to send accounts back to Cash Store.
Dialer based system working on several campaigns all day.
to reach borrowers during peak hours also recieve inbound calls to help customers with questions they may have about the payday loan processes.

Account Resolution Specialist, List Assist Agent, Collector
January 2009 to January 2014JPMorgan Chase － Lewisville, TX

Organized and managed short sale portfolio Collected delinquent loan portfolio, set up repayment plans to reduce foreclosures and communicated with Loss Mitigation Department for alternative retention options.
Demonstrated aptitude for problem solving and ability to determine solutions for customers.
Achieved individual and branch goals consistently each month on referrals, calls per hour compliance.
Member of a Special Team Assisting Realtors with Listing Prices based on current fair market values.
Developed strategies to improve call quality scores and overall documentation of loans.
Responsible for returning calls and replying to emails to resolve customer disputes providing a superior level of customer service.

Collections Representative
January 2007 to January 2009CSC Logic － Irving, TX

Managed a Prime / Sub-Prime portfolio Automotive and Tractor Trailor account.
Collected on a delinquent loan portfolio, set up repayment plans to reduce repossessions Evaluated risk accounts, skip traced accounts.
Highly skilled in collecting on Past Due customer accounts, including resolution of discrepancies.
Escalated critical issues and implemented strategies for their timely resolution.
Extremely motivated and flexible team contributor outstanding skills in relationship building.

Loan Counselor Collector
January 2006 to January 2007First Horizon Loans － Irving , TX

Responsible for Collecting FEMA Loans Exceptional ability to maintain good customer relations during process of collecting payments on Hurricane affected loans.
Evaluated personal and business credit bureau, financial document asset valuations to set up re-payment plans.
Ensure that all attempts to recover outstanding debt accounts are pursued with the highest levels of urgency.
Maintain departmental production standard and adhere to company polices & procedures.

Lead Dispatcher
January 2005 to January 2006UPS Supply Chain Solutions － Coppell, TX

Computer Parts Dispatcher for Independant Contractor Drivers.
Responsible for Monitoring all contract drivers abilty to coordinate and deliver parts in scheduled timed deadline while avoiding late charge penalties.
Documented records for dispatches including charges that incurred.
Top Performer in Delivering Computer parts to vendors on time.

Account Loan Manager
January 2003 to January 2005FSB Financial LLC － Arlington, TX

Managed Delinquent Loan Portfolio.
Collected delinquent auto loan portfolio, ordered repossessions, satisfied liens, and communicated directly with senior management.
Performed on additional projects and duties as assigned by management.
Abilty to meet and exceed goals each month and Assist Agents with Spanish speaking accounts.

Collections Auto Loans Representative
January 2001 to January 2003CITI Financial － Arlington, TX

Responsible for 60-90 Day Delinquent Loans.
Negotiate payment arrangements on delinquent sub-prime and prime auto loans ranging from 60-90 days past due.
In charge of assigning repossessions, Skip tracing Knowledge of FDCPA Customer service oriented.

Education

GED : English,Math,Science , 1988North Dallas High School － Dallas, TX, United States

Training in Call Center Technology

Skills

Automotive, Banking, Citrix, CMS, credit, customer relations, Customer service, documentation, Drivers, senior management, financial, Nexis, market, Excel, Money, Office, Microsoft Word, peak, Prime, problem solving, processes, quality, relationship building, Spanish speaking

Resume Overview

Companies Worked For:

Cottonwood Financial
JPMorgan Chase
CSC Logic
First Horizon Loans
UPS Supply Chain Solutions
FSB Financial LLC
CITI Financial

School Attended

North Dallas High School

Job Titles Held:

Collections Representative
Account Resolution Specialist, List Assist Agent, Collector
Loan Counselor Collector
Lead Dispatcher
Account Loan Manager
Collections Auto Loans Representative

Degrees

GED : English,Math,Science , 1988

Collections Representative Resume Example

Resume Score: 90%

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