V. Ivan Justiniano

***-** **** ****** *****, NY *1414

Cell # 904-***-****

HM# 718-***-****

Email: abiecx@r.postjobfree.com

Objective:

To establish a position with a predominant company where I can contribute to

their success by bringing more than 10 years of collections,customer service

and 2 years of Loss-mitigation/Foreclosure experience to the table. Fully

bilingual English and Spanish.

Skill Summary:

Bi-Lingual (Spanish) able to read and write.

Proficient in multiple Microsoft Windows Operating Systems and software 98,

2000 Pro, XP, Excel and Windows Office, Eagle and Stars

Proven analytical and problem solving skills.

Ability to multi-task and handle multiple responsibilities.

Experience in handling multiple collection and customer service accounts

inquiries and issues.

Employment:

Sep 2006 - Oct 2010

Vystar Credit Union

Collections / Foreclosure / Loss mitigation /Negotiator

Responsible for handling mortgage collections on overdue accounts from

60+days.

Generated payoffs for mortgages.

Negotiated payment arrangements.

Discover reasons for default through proving questions.

Establish repayment plans to assist in bringing accounts current.

Gathered relevant financial data for approval of a Loss Mitigation workout

programs.

Qualifying customers base on there income and expenses for modifications

workouts

Collect on secured and unsecured loans 1st party collection.

Feb 2000 - Sep 2006

Fairbanks Capital Corps

Senior Collector

Discover reasons for default through proving questions.

Establish repayment plans to assist in bringing accounts current and avoiding

Foreclosure.

Gathered relevant financial data for workout program.

Qualifying customers base on there income and expenses for modifications

workouts

Collect on past due accounts from 0 to 60 days past due

Aug 1998 - Feb 2000

GC Services Limited Partnership

Collections

Responsible for 3rd party collection accounts for American Express.

Conducted inbound/outbound calls to bring accounts current to meet company

goals.

Contacted customers to obtain documentation on disputed balances

Skip trace customers via internet search engines and references.

Reported collection problems and/or results to national credit agencies.

Performed clerical duties to include fax, copy and maintain files of documents.

Draft and mail collection demand, paid in full and settlement offer letters.

Professional Background And Accomplishments:

Collection / Customer Service

* 2 years of team leadership

* 2 years as a third party collector for Visa credit card national

and internationally

* 6 years as a third party Mortgage rep collector working accounts

from 0 to 60 days past due preventing them to reach foreclosure status

* 3 years as a first party collector collecting on auto, credit

cards and signature loans for Vystar Credit Union

* Frequently recognized by managers and even member for helping

them with their finance

Education:

1998 Orange Park High School

1998 -2000 Florida Community College

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