To become associated with a successful organization that recognizes hard work and will allow me the opportunity to grow professionally and to utilize my the 10 plus years of administrative and customer service experience while giving the highest standard of customer service and adhering to all regulatory guidelines. I can be a valued member of the team, and assets to any organization that I join. I am also fluent in Spanish which is beneficial to any company.
Skills
Guest services
Inventory control procedures
Merchandising expertise
Loss prevention
Cash register operations
Product promotions
Education and Training
University of Phoenix OnlineOnline, Expected in 03/2022 – –Bachelor of Science:Businesses Administration - GPA:
Certifications
Certification
State of Arizona Dept. of Public Safety Level One Fingerprint Clearance Card 11/23/2016 to 11/23/2022
Experience
Vantage West Credit Union - Collector/Mortgage Loan Assistant City, STATE, 07/2017 - Current
I collect monies owed to the Credit Union
Assist with incoming calls.
Take ACH payments over the phone.
Submitted collateral insurance.
Submitted repo and foreclosures process documents
Analyzed loan files, including review of borrower's income, assets and credit, verified compliance to specific underwriting criteria and input new loans into designated software.
Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
Scheduled and creating meetings and appointments in outlook
Generated emails, memos and monthly reports
Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
Prepared complete packages to be sent to underwriting with a thorough understanding of each investor's stacking order and shipping.
Examined and verified information in loan application and closing documents.
Organized, filed and maintained customer, department and regulatory loan records.
Organized and maintained filing and document management systems by coordinating, archiving and purging files.
Handled management of communication to executives by taking and making telephone calls, reviewing and prioritizing mail and composing and typing correspondence.
Developed administrative processes to achieve organizational objectives and improve office efficiency.
Updated details in company database by keying in customer contacts and delivery dates.
Pima Federal Credit Union - Senior Collection/Administration Officer City, STATE, 06/2013 - 04/2016
I collect monies owed to the Credit Union on delinquent auto, credit cards, and mortgage loans while
following all rules and regulations of the Credit Union in addition to giving great member service, my daily
accomplishments consist of the following, I handle all repossessed and out for repo accounts, including
auction and impound accounts.
I submitted collateral insurance, filed GAP, Warranty and Skip claims,
prepared repo affidavits and monthly repo reports.
I prepared and processed loan modifications took
payments over the phone, processed the daily ACH payments.
I also did payment adjustments to
accounts such as effective dating recasting, offsetting transferring payments and waiving late fees.
I
collected monies owed on mortgage loans up to 30 days delinquent.
Supported our mortgage
department with administrative support involving loan modifications, inbound mortgage calls for
payment, insurance and escrow information.
Assisted with file maintenance by inputting and updating
members information.
Gathered & reviewed all loan modifications documents made sure all credit union
and Federal rules and regulations were followed.
Created monthly reports in excel.
Scheduled and
created meetings in outlook.
I was also a Member of Pima Federal Credit Union Youth Committee and a
member of the AYIN Arizona Youth Involvement Network for Arizona Credit Unions.
Cash Time Title Loans - Collector/Loan Officer City, STATE, 08/2007 - 09/2012
Collected monies owed on auto title loans.
Worked front and back-end collections and charged off
accounts.
Placed 70 plus outgoing calls a day, answering incoming calls emails and meeting customers in
person.
Skipped trace accounts pulled files worked references and sent out demand letters.
Placed
accounts out for repo.
Prepared monthly delinquency and charge off reports.
Handle auction proceeds.
Prepared and processed new and old loans, added liens, and took notarized titles to title company.
Took
payments over the phone and in person.
Crated monthly reports in excel.
Created and scheduled
meetings in outlook Calander.
Order office supplies and did bank runs.
Check Center - Collection Manger City, STATE, 09/2006 - 08/2007
Manage small collection department of 5.
As manager, I over looked all collections accounts and charged off accounts.
I accomplished to keep delinquency to a minimum for pay day loans.
Made sure all rules and regulations and company policies were being followed.
Maintained debt Recovery records.
Provided updates of receivables to upper management.
Negotiated payment programs with delinquent customers.
Identified accounts requiring collection agency or legal action and generated garnishment packages and went to court and filed them in person.
I skipped traced all back-end accounts.
I created monthly work schedules and for my 5 collectors.
Did daily bank runs and monthly supply runs.
Closed and opened accounts and made payment adjustments.
Languages
Spanish:
Full Professional
Negotiated:
Additional Information
Software Systems
Outlook, Excel, Word, Power Point, Printers, Fax machines Equifax TransUnion, Accurint
Episys, Symitar, Synapsys, Velocity, Evolve, Sysaid, BVS training courses, Ultipro
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