CARLOS A. LLERENA

**** **** *** **** **** Beach, FL 33409

561-***-****

E-mail: ace07s@r.postjobfree.com

PROFESSIONAL WORK EXPERIENCE:

• Debthelper.com / Foreclosure Prevention Manager

**/**09 – 01/2014

West Palm Beach, FL 33417 561-***-****

My duties include assessing a case to determine the appropriate loss mitigation tool to help the homeowner

resolve their mortgage delinquency according with the Making Home Affordable Programs.

Review and analyze borrower documentation to determine income and repayment ability, assess borrower

hardship, analyze housing expenses, and determine proper loan resolution. Recommended foreclosure

prevention alternative offered to the homeowner to ensure all investor / insurer guidelines were followed.

Analyze delinquency, perform escrow analysis, analyze modification scenarios and proposals and recommend

appropriate loan workout.

Examined a client's financial state and helps formulate a plan to reduce debts and build assets, often

negotiating with creditors to make arrangements that are productive for all parties.

Obtain all third party approvals including investor and mortgage insurance company approvals.

Maintain up-to-date knowledge of relevant default practices effecting loan servicing decisions.

Secondary responsibilities may include: Assist with training of new hires; testing of tools and/or systems;

perform other duties as assigned by the Operation Manager.

Organize Foreclosure Prevention Workshops along with banks and investors such as Chase, Wells Fargo,

OCWEN, PNC, Citi Mortgage, GMAC, Fannie Mae, etc.

• Lulu Services, Inc. / Sales Supervisor

01/2007– 12/2008

West Palm Beach, FL 33409 561-***-****

Responsible for selling cleaning services to Commercial & Construction to new customer within an assigned

territory and/ or assigned accounts.

Carrying a monthly quota; solicits order from present and prospective customers.

Formulates and implements plans to acquire new costumer as directed by affiliate sales manager and/ or

director.

Seeks new and uses applications for company products with present and prospective customers.

In charge of employee management, hiring, termination, procedure protocol, quality analysis and monthly

reports.

• Verizon Wireless / Sales Supervisor

11/2005 – 01/2007

West Palm Beach, FL 561-***-****

Performance Management: Responsible for driving team to achieve all key performance objectives in the

store or kiosk.

Responsible for financial, budget and sales reporting; maintains knowledge of company and market

promotional elements.

Develop, assign and monitor sales goals for retail personnel and provide ongoing training to keep employees

informed of new products, services and procedures.

Staffing/Employee Relation: Develop; train and coach sales team to produce desired high performance

results.

Make decisions regarding hiring, promotion, and disciplinary actions. Assist individuals and team

performance and initiate developmental plans to narrow competency gaps.

Asset Management: Manage retail inventory in compliance with company standards to include budgeting,

forecasting, managing appropriate inventory levels, and analyzing inventory turns. Ensure compliance with

physical control standards.

Market and industry knowledge: Remain current on all wireless products and services, industry and

competitive trends, and reinforce findings with the team.

Sales Results: Meet and exceed quota/revenue target for net activations, customer’s renewals, accessories,

handsets, and enhanced services. Demonstrate equipment functions and network capability. Perform rate

package evaluations and propose solutions that best benefit the company and the customer.

Maintain and grow existing customer base and manage chum. Contact existing customers for contract

renewals, and various data, accessory, and handset up sell opportunities. Ensure customer satisfaction and

resolve all customer issues and concerns.

Training/Meetings: Responsible for through knowledge of all stores functions. Remain current on all wireless

products, services, industry and competitive trends. Attend all applicable trainings/meetings.

• Sprint PCS together with Nextel / Sales Consultant

04/2002 – 11/2005

West Palm Beach, FL 561-***-****

Welcome customers by greeting them; offering them assistance.

Directs customers by escorting them to racks and counters; suggesting items.

Advises customers by providing information on products.

Helps customer make selections by building customer confidence; offering suggestions and opinions.

Documents sale by creating or updating customer profile records.

Processes payments by totaling purchases; processing checks, cash, and store or other credit cards.

Keeps clientele informed by notifying them of preferred customer sales and future merchandise of potential

interest.

Contributes to team effort by accomplishing related results as needed.

• Inca Tours / Owner

06/1996 – 01/2002

West Palm Beach, FL

Selling airline, cruise line tickets as running different bus trips to all south Florida attractions..

EDUCATION AND TRAINING:

1. Foreclosure Prevention Counselor

National Counseling La Raza NCLR, El Paso, TX - 2013

2. Gold Coast Real Estate School, WPB, Florida

Real State/1999 – 2010

3. Palm Beach Community College, PBG, Florida / Mortgage Broker/2003

4. Sales Performance Training, WPB 2005, 2007 & 2008.

5. San Marcos University, Lima, Perú

Law School / Degree-

SOFWARE SKILLS:

Windows XP, Vista, Publisher 2007, Word, Excel, Power Point Internet and Outlook.

ACTIVITIES:

Member of the Chamber of Commerce of the Palm Beaches.

Knights of Columbus.

Contact this candidate