Hardworking financial professional well-versed in collections and credit reporting procedures. Works with defaulting customers to work through resolutions. Successful at working with mortgage holders and banks to coordinate optimal plans.
Skills
Foreclosures experience
Organizational skills
Critical thinking
Problem resolution
Troubleshooting
Mortgage processes knowledge
Education and Training
Air Force Community College Keesler AFB, , MSExpected in 06/1985 – –Associates Degree :Administration, NCO Leadership - GPA:
Southwest High SchoolSan Antonio, TXExpected in 05/1981 – –High School Diploma: - GPA:
Experience
Greentree Finance, Conseco, Greenpoint Credit - Loss Mitigation Field Representative City, STATE, 02/1999 - 01/2005
Contacted borrowers to assess reasons for default, individual intents and options for resolving issues.
Worked with customers to put together plans focused on retaining property ownership.
Conducted comprehensive analysis and evaluated risk to control underwriting loss.
Verified income of borrower and gathered credit information.
Helped clients and attorneys complete short sales.
Analyzed risk of loss related to catastrophe, possible loss or severity.
Secured payments by following up with customers which disregarded promise to pay.
Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
Met demands of busy collections group by performing high volume of daily calls.
Received and submitted payments and applied amounts to customer balances.
Fielded incoming phone calls from customers and directed to corresponding department or individual for assistance.
Utilized talents and expertise to locate customers with aged accounts.
Marketing Services, Inc. - Collections Specialist /Administration Assistant City, STATE, 04/1996 - 02/1999
Notified customers of delinquent accounts with attempt to collect outstanding amounts.
Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
Processed payments over phone and set up recurring drafts.
Received payment and posted to appropriate customer accounts.
Arranged for debt repayment and established repayment schedule based on customer finances.
Recorded and updated customer personal accounts with accurate contact information.
Met demands of busy collections group by performing high volume of daily calls.
Reviewed accounts to determine payment plan compliance.
Recorded information about customers' financial status and collections status efforts.
Located and monitored overdue accounts using billing system to begin collections process.
Negotiated credit extensions to assist customers in paying overdue accounts.
Located debtors by utilizing skip tracking and other strategies.
Completed skip traces on customers failing respond to collection efforts.
Overcame objections by applying advanced training and persuasion techniques.
Identified impact of proposed solutions for delinquent clients, discussed options and determined candidates for foreclosure.
Established solid record of maintaining consistent performance and quality levels.
Structured manageable repayment plans with delinquent borrowers of commercial, mixed use, multi-family and home equity loans.
Collaborated with legal department officials on bankruptcy cases for management of proceedings and post-petition payments.
Prepared packages containing all pertinent documentation for collections accounts.
Monitored status of legal invoices for litigation by foreclosure attorneys.
United States Air Force Reserve / Active Duty - Staff Sergeant/Administration Assistant City, STATE, 03/1985 - 01/1997
Greeted visitors or callers daily to handle questions or direct to appropriate staff.
Maintained inventory in supply closet to prevent shortages.
Coordinated project materials by managing physical and digital files, monitoring spreadsheets and updating reports.
Directed visitors to appropriate offices.
Monitored schedules and calendar obligations for executives.
Processed incoming mail and packages and placed envelopes in bins for employees.
Managed phone calls from clients during executives' absences and delivered informative answers to questions.
Monitored and tracked project performance data with spreadsheets to generate reports and keep management informed of important trends.
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.
Directed customer communication to appropriate department personnel.
Verified operation of office equipment by completing preventive maintenance requirements and calling for repairs.
Aetna - Claims Analyst / Process Associate City, STATE, 10/1994 - 03/1996
Followed all company procedures to keep data confidential.
Gathered proper documentation and data to prepare claims for submission.
Reviewed coverage determinations, investigated and evaluated claims and negotiated settlements.
Assessed processing reports each day to effectively submit claims.
Investigated claim and settlement deals and reviewed coverage determinations.
Built lasting relationships with clients and employees to underpin successful claims activities.
Adhered to company and insurance client's guidelines in claims processes, estimate writing and claim closures.
Determined insurance coverage levels and restrictions by thoroughly examining claims forms and associated records.
Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
Reviewed policies to determine appropriate levels of coverage and assist with approval or denial decisions.
Checked into questionable claims, interviewing agents and claimants to resolve errors and omissions.
Reduced loss ratios through fair and prompt processing of claims.
Resumes, and other information uploaded or provided by the user, are considered User Content governed by our Terms & Conditions. As such, it is not owned by us, and it is the user who retains ownership over such content.
How this resume score could be improved?
Many factors go into creating a strong resume. Here are a few tweaks that could improve the score of this resume:
