Jose Flores

**** ******** *** *** ******* CA ****3

213-***-**** ad1s8m@r.postjobfree.com

Career Overview

Results-oriented Debt Collector with over 17 years of experience and knowledge in the student loan and commercial sector. I am a strong negotiator able to work in a very fast-paced environment and adapt to situations. Collects accounts in compliance with all applicable regulations and internal performance standards in order to meet personal and team goal objectives. I have thorough legal and business economics acumen and excellent interpersonal skills. Professional Experience

Camino Finacial Los AngelesCA

2021-2022

ChargeOff Department Liasion/Skiptrace Department

● Build the ChargeOff department from the ground up.

● Liaison with the outside collection agencies.

● Liaison with debt collection Attorneys/Paralegal.

● Head of the Skiptrace Department.

● Maintain a weekly data base report on 900 plus charge accountes.

● Providen all documentation requested by Attorneys for Litagion process.

● Work to negotiate a settlement for less than the account balance.

● Daily,weekly and monthly reports to direct Supervisor.

● Achieving all required goals going above and beyond.

● Working closely with all company department and participate in planing training for other departments in Collections Laws in the USA.

● Handled claims from all 50 States snd applied specific State Law and rules. CO-Business Owner Los Angeles CA

March 2019 - Present

● Execute and oversee all major business practices for the boutique store location and online.

● Create and implement marketing plans and effective strategies to improve sales.

● Build a strong client base through effective promotional marketing, social media and excellent customer service.

● Effectively manage merchandise including buying, receiving maintain POS and completing inventories.

Future Income Payment Montebello, CA

Repossession Skip Tracer Collection Agent November 2017 - March 2019

● In charge of locating and securing and bring back in good standing portfolio of 500 unit using tips for skip tools.

● Arrange for units that were not paying to be reposed move to auction and continue to follow up with the auction until complete.

● Recrute final pay off titles approve of final and have them release from auction.

● Call customer over 90 day period to prevent repossession of vehicles.

● Maintain a record of all the unsecured and unpaid units report them weekly to upper management.

Time Payment Burlington MA

Senior Collector February 2017-June 2017

● Responsible for the daily tasks related to collection efforts of a portfolio of customer accounts.

● Effectively communicate and support the Division’s collection goals, while providing quality customer service as well as actively pursue knowledge of skills and tools to be used in all collection efforts.

● Recognition of significant credit risks and escalation of these matters are critical.

● Collecting first party commercial accounts with high balances.

● Successfully translation from English to Spanish and Spanish to English for other departments when needed, credit department vendor sales department funding department and customer service within the company.

Bell & Williams Windham NH

Senior Collection Specialist January 2015-December 2015

● Assist borrowers and strategize a monthly payment to allow them to keep their vehicles.

● Execute adequate and timely collection and investigate recovery activities in order to minimize risk costs and optimize returns.

● Investigate payment arrears in the portfolio and code debtor appropriately in order to determine following collection steps.

● Identify quality adjustment requests complete documentation packages and utilize company underwriting guidelines to approve or reject the request.

● Record debtor and arrears history in order to ensure a complete file as a sound basis for decision making during collection/recovery.

Delta Management Associates Bedford NH

Senior Collector Garnishment Specialist February 2010 – December 2014 Garnishment collector for the US Department of Education

● Set 15% of the garnishment order per pay period or set borrower on a monthly payment

● Documented all collection attempts accurately and truthfully, according with the US dept. Of Education

● Addressed discrepancies and find solutions for borrowers before garnishment order was put in place

● Successfully resolved over 80 percent of assigned student loan deficiency collections. Windham Professionals Salem NH

Student Loan Collection Advisor` January 2007 – November 2009

● Counseled and assisted current customers in determining their best payment options in an effort to bring their defaulted student loans up-to-date.

● Used previous experience to confidently contact delinquent customers.

● Tactfully resolved challenging situations professionally and calmly in a firm but friendly manner often with irate customers.

● Consistently ranked in the top 10 percent of collection agents. RJ Boudreau and Associates Salem,NH

CollectionManager/Paralegal February 2003 – December 2007

● Supervise staff to ensure all money owed to the client was received correctly and in a timely manner.

● Responsible for minimizing company financial losses by developing implemental collection.

● Ensure that all the collectors on the team follow state and federal collection laws.

● Handle all department complaints resolving all issues immediately, listen to phone calls, biweekly training on FDCPA.

● Weekly reports to General Manager on the group progress making sure all collectors in the group work towards their monthly goals.

Education 1995-1998

Rafael Landivar University Guatemala

City, Guatemala

Paralegal Associate

Three year business administration.

Languages

Bilingual in both English and Spanish.

Summary of Skills

● Payment arrangements

● Self-directed

● Risk and asset management solutions

● Bankruptcy

● Policy and procedures

● Negotiation

● Collection of system and database

● Insolvency

● Team player

● Automated dialer experience

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