Denise A Tovar

*** ******* ** *** *******, TX ***27

210-***-****

acgsvv@r.postjobfree.com

Career Focus

To obtain a position that will allow me to utilize my communication and

organizational skills and experience.

Education

Harlandale High School G.E.D San Antonio, TX 1991

Professional Experience

Ross Dress for Less San Antonio, TX

07/13-10/14

Fitting room/recovery/cashier

In the fitting room I greated and assisted customers with items that they

wanted to try on. Answered incoming calls. Verified how many items

customers were trying on and how many were being returned back. Verified

items being returned if any hard tags and tickets are still in place with

the correct item. cleaned fitting room and made sure no items had been left

behide in fitting rooms. Verified each item was marked with the correct

sizing and placed in the correct department. Provided a full satisfactory

by answering questions, assisting with looking for a specific item needed,

any complaints, and from time to time on opinions on items they were

interested in. Additional duties recovering items in each department,

pricing, reticketing items that had missing tickets. Assisted with training

new employees in fitting room area.

Fallas Paredes San Antonio, TX

12/12-05/13

Cashier/Recovery

Placed items back where they belonged in each department of the store.

Assisted with unpacking items and assorted them by departments. Helped

management with pricing, reticketing, and mark downs. Assisted customers

with question on items they were interested in.

Wells Fargo San Antonio, TX

12/11-10/14

Mortgage QA Analyst I

Performed detailed reviews and completed a full research on loans for

state/investor requirements to prepare the loan for foreclosure referral;

for WFHM 512 and Wells Fargo Financial reports. Manage average daily

pipeline for all 50 states. Manage time effectively to ensure that all

assigned deadlines were met. Manage multiple assignments to consistently

demonstrate multi-tasking ability. Utilize knowledge of the business and

known resources to make decisions independently. Resolve elevated loans

efficiently, and work in an organized and detailed manner with attention to

accuracy. Ensure discussion is documented and posted in a timely manner. I

consistently exceeded expectations in both production and quality for

monthly scorecards. Default/Mortgage Experience (i.e. Collections, Pre

Foreclosure Prep & Foreclosure). Assisted with management with training and

prepared on a manuel training guide on a Steps on How to review a Fidelity

loan and adding screen shots.

American National Insurance Company San Antonio, TX

02/01-12/11

Data Entry Processor

Contacted outside companies to request status on outgoing transfers.

Verifying if funds will be transferred and when American National Insurance

Company will receive the funds. Assist in area when needed as far as mail

prep, scanning, indexing, address change, and prepping policies to be

mailed out to the clients. Assist with data entry on new applications

coming in annuities.

USAA (Contractor) San Antonio, TX

05/09-02/10

Mortgage Closer

Reviewed member's loan for accuracy, title, and fees are correct. Making

any necessary changes that are need to be made. When necessary would

contact processor and Title Company for more information. Title company

would forward copy of the HUD for review and approval. Reviewed HUD for any

errors and if corrections needed explained by e-mail or phone call what

corrections are needed and send revised HUD or adviced if HUD has been

approved if no corrections are needed. Managed time effectively to ensure

that all assigned deadlines were met. Once all information is received

ordered wire to fund loan. On the funding day I verifief if the loan has

funded with title company.

ACS San Antonio, TX

05/08-1/09

Transaction Processor

Reviewed documents provided by management and verified if corrections

needed to be done. Cleaned, darkened, and made sure documents were legible

to be returned to various companies that requested to be rescanned.

Processing documents 800 to 4000 a day.

World Savings San Antonio, TX

07/06-10/07

Mortgage Closing Specialist

Assisted loan representatives with closing of the loans. Contacted the

customer and requested additional documents needed for closing. Ordered

title and contact title companies in regards to what is on title and what

would need to be removed. Would call customer and go over final numbers and

schedule closing.

World Savings San Antonio, TX

10/03-07/06

Credit Specialist

Assisted with customer correspondence written request on credit disputes

and/or the credit agencies. Would read customer written disputes and verify

credit reporting and make any necessary corrections. Would respond to

customers written response on refund of payments, misapplied payments,

payments applied to wrong loan, and return checks make any necessary

changes that were needed.

World Savings San Antonio, TX

05/01-10/03

Customer Service Representative

Responsible for providing outstanding customer service by explaining to the

customers how their loan works, as well as handling billing inquires, going

over interest rates, and explaining to the customer on what options they

have on their loans. Opening up various tasks for the customer on their

loan.

Weblink Wireless, Inc. San Antonio, TX

09/98-05/01

Customer Associate

Gained thorough knowledge of Weblink Wireless Administrative System,

Policies and Procedures. Responsible for providing outstanding customer

service, accurate product and service information, as well as handling

billing inquires, monthly promotions, new activations, trouble-shooting

procedures, and pager orders. Assisted with payments over the phone such as

credit card and check by phone.

Billing Concepts San Antonio, TX

02/98-09/98

Customer Service Representative

Assisted customers with billing inquires such as; unnecessary charges on

their phone bill. Used best my judgment on issuing credit to a customer s

phone bill.

ILD Teleservices San Antonio, TX

07/97-02/98

Long Distance Operator

Assisted customer on placing collect, third party, calling card and credit

card calls for LDDS World Com. Assisted in supervisory duties, with head

counts, placing test calls, as well as handling escalations.

Computer Skills

Outlook WordPerfect Microsoft Word Excel Director Yom

IAM Query LIV

Contact this candidate