Loan Servicing Collection Specialist 2 (1-60) Resume Example
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LOAN SERVICING COLLECTION SPECIALIST 2 (1-60)
Professional Summary
Proactive, Bilingual English and Spanish performance-driven professional with 12+ years of progressive expertise in leadership and problem solving for retail and commercial, unsecured personal loans and auto prime-subprime lending. My work experience has been focused on negotiating and converting; to include monthly goal expectation's, portfolio queue management and activity metrics. I have in-depth knowledge of programs such as Accuterm, Spectrum, Megasys, Reflection, Debt Master to Ad-managent and Aspect Dialer. Proficient in Word, Excel, Access, Power Point, Outlook with typing of 45 words per minute. Proven ability to perform goal's, operate with diverse team's; manage demanding and high-risk consumer's; and implement financial strategies that improve efficiency, productivity, and profitability. Collaborative, highly respected leader who excel's at driving change under challenging, ambiguous, and deadline conditions.
Experience
Challenge Financial Auto Sub-Prime LendingCity , STATELoan Servicing Collection Specialist 2 (1-60)01/2017 to 04/2017
- Portfolio queue management specializing in auto sub-prime lending originated by independent franchise dealers.
- Serviced a 2 million dollar portfolio focusing on auto loans with a term of 48-60 month's.
- Performed investigative searches utilizing available database to determine the where about's of client or collateral.
- Negotiated voluntary surrender explaining the consequences or (legal-credit wise) action against securing the loan.
- Gathered all supporting documents for assistance based on clients hardship successfully submitting for approval.
- Welcomed customers providing exceptional customer service offering and making appropriate arrangements.
- Utilized Paynearme, a 24hour electronic service to receive payments on any stage or level of delinquency.
- Followed federal and state laws dealing with debt collection.
Accomplishments:
- Strategically worked as a group team player successfully accomplishing goal consecutively every month.
- Bonused an alternative cash goal for the lowest delinquency in the department per companies Vice President.
- Recognized as a top performer effectively maintaining top 3 collectors out of the department.
Lobel Financial Auto Non-Prime LendingCity , STATELoan Servicing Collection Specialist Tier 2 (1-6003/2015 to 08/2016
- Portfolio queue management specializing in auto non-prime lending originated by independent franchise dealers.
- Responsible for a $800.000 portfolio servicing vehicle loans with a term of 48-60 months.
- Communicated with field agent's on assigned repossessions specializing on skip tracing and locating the collateral upon obtaining the total amount due from customer to satisfy or cure the delinquency over 45 day's past due.
- Handled first payment default's in a professional manner establishing a relationship and future payments.
- Answered inbound and outbound calls providing excellent customer service in a fast paste work environment.
- Gathered all supporting documents for assistance based on clients hardship successfully submitting for approval.
- Exceptional listening and problem-solving skills in all stages of delinquency successfully re-gaining client's commitment.
- Re-deposited returned checks and processed credit card payments over the phone with cleartran.
- Upheld a recognized and respected lever of consistency maintaining top 10 collectors in the department.
- Followed federal and state laws dealing with debt collection.
Accomplishments
- Successfully accomplished the individual monthly goal for the department every month.
- Recognized as a top performer constantly and effectively maintaining one of the top 10 collectors in the department.
Loan MeCity , STATELoan Servicing Collection Specialist (90-120) Backend02/2010 to 02/2014
- Portfolio queue management handling western sky personal installment loans with no collateral.
- Responsible for a $600.000 portfolio specializing on $10,000, $5,000 and $1,500 loans.
- Submitted client modifications, forbearance, deferment and settlements to upper management for approval.
- Performed investigative searches from available database determining the whereabouts of client's with no contact.
- Communicated with the loss mitigation team to offer alternative options based on client's circumstances or hardship.
- Proficient with auto dialer managing incoming and outbound calls made approximately 180-220 a day.
- Ensured all procedures adhere to company policies and government regulations.
- Processed personal checks or credit card payments to payoff or set monthly installments over the phone.
Accomplishments
- Recognized a top performer constantly and effectively making Actual Dollar Goal and PPA (2 Payment Plan Goal)
Professional Collection ConsultantsCity , STATERecovery Collection Specialist (Charge Off)03/2008 to 02/2010
- Portfolio queue management for retail and commercial receivable account over 5 Million dollars of charge off debt.
- Worked Chase Bank Mortgage, Wells Fargo, Verizon, Sprint and medical uncollectible debt.
- Traced customer whereabouts, contacted references and enforced judgments depending on states procedure.
- Validated disputes requesting original vender contract's consolidating debt and demanding for payment or payoff.
- Utilized settlements to consolidate debt then will vast report and forward to credit bureaus to clear and update.
- Performed investigative searches from available database determining the whereabouts of client's with no contact.
Accomplishments
- Accomplished individual goal of $20,000.00 in Actual Dollar collected month to month.
Education
High School Diploma2003Belmont High School, City, State
Business Adminastrative2004Los Angeles Community College, City, State
Additional Information
AREAS OF EXPERTISE
• Exceptional-Strong Communication, Effective Writing Skills and Presentation.
• Ability to Work Well in a Fast Pace Diverse Call Center Environment or Branch/Office.
• Exceptional Bilingual English/Spanish Communication skills, Team Player and Self-Starter.
SKILLS
• FDCPA, Privacy Act, CFPB, FCRA and FACT Act.
• Payment Negotiation, Time Management, Problem Solving, Organizational, Decision-making skills.
• Tasking queue management and delegation.
• Expert in Trouble debt restructures and Loan Modifications.
• Ability to multi-task with excellent communication and listening skills.
• Team Lead/Mentor.
• Skip Tracing.
• Settlement Negotiations.
• Credit Bureau Knowledge.
• Ability to take over & resolve escalated calls.
• Field Visits, Staffing, Worked with systems/software: Spectrum, Reflection, Megasys, Debt-Master, Ad-Management, Accurint, Fast Data, Lexus/Nexus.
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Resume Overview
School Attended
- Belmont High School
- Los Angeles Community College
Job Titles Held:
- Loan Servicing Collection Specialist 2 (1-60)
- Loan Servicing Collection Specialist Tier 2 (1-60
- Loan Servicing Collection Specialist (90-120) Backend
- Recovery Collection Specialist (Charge Off)
Degrees
- High School Diploma 2003
Business Adminastrative 2004
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