Carlos E. Linares

*** ********** ***., **********, ** - 40324 - (859) 227 - 4410

dbmp8s@r.postjobfree.com

EXPERIENCE

Kentucky Housing Corporation (KY Government) September 2008 – Present

Frankfort, KY

Financial Advisor – Loss Mitigation Department Feb 2010 – Present

• Retention and Disposition options to help clients in default

• Administrate Unemployment Bridge Program – New Federal program for Kentuckians.

• UBP give $25,000 to each eligible client to reinstate and pay mortgage for a year.

• Review client’s financial information (Tax Return, W2, Bank Statements, etc.)

• Evaluate options for repayments plans, schedule payments, etc.

• Work with the government programs to help people keep homes.

• Administration of Grants and Funds to help low income customers.

• Knowledge of complex policies, regulations and norms.

• Make decisions base on financial information to help customer with several programs.

• Knowledge of SFA program, Modification loans, expedited special forbearance, and UBP.

• Prepare reports, present ideas effectively and handle sensitive and confidential information.

Financial Specialist – Servicing Department Sep 2008 – Jan 2010

• Reporting monthly delinquencies to HUD – FHA (Fannie Mae and Ginnie Mae)

• Review amount of payments make by customers (daily, weekly)

• Analyze and evaluate data (internal and external)

• Recording credit scores in the OSCAR software.

• Prepare reports for next level in the organization.

Toyota Motor Manufacturing Kentucky - Contractor Jul 2005 – Jul 2008

Georgetown, KY

HR Generalist - Supervisor

• Lead Diversity Enhancement Program

• Supervise up to 30 employees per program (Total: more than 100)

• Recruit, select, and interview pool of potential candidates

• Coordinate and conducting trainings

• Prepare budget

• Ability to work with employees at all levels of the company

• Conflict resolution, workers comp.

• Translate and Interpret in Spanish and English

• Interpret company’s policy and procedures

• Follow up with departments’ supervisors to improve customer service

Mega Manager, LLC - Chile (Owner) Jul 1995 – Nov 2003

(Consulting firm specializing in Marketing, Strategic Planning, and Problem Solving)

General Manager

• Supervised up to 30 employees

• Supported export activities for clients exporting to South America, New Zealand, and U.S.A.

• Conducted personnel’s customer service trainings for client companies

• Increased sales of Dent Shine Toothbrushes by nine percent.

• Conduct trainings, conflict resolution and policy development for different companies.

• Worked in conjunction with the state government to provided developmental trainings to low-income individuals

Arturo Pratt University - Chile Mar 1999 – Nov 2003

Assistant Professor (FT) - Program Coordinator (PT) Department of Accounting.

Adjunct Professor (PT) – HR Supervisor Economic Department

• Recruited new professors to the Department

• Led efforts to prepare and evaluate accounting course curriculum.

• Prepared the budget for accounting program.

• Taught Microeconomics, Macroeconomics, Statistics, Math I, II, III, Basic Finance, Administration and Sales, Customer Service, Politics of Sales

• Submitted students’ progress to the Dean of College.

Santander Bank - Chile Feb 1993 – Jul 1995

Operation Specialist

• Provided full banking services

• Loans/Mortgage/Credit

• Managed a team of seventeen sales associates

• Increased new client base by 2.5 percent

• Decreased bad debt by 28 percent.

• Conducted customer service training

EDUCATION

Master of Business Administration – Sullivan University (GPA 3.7) Jun 2006 – Apr 2008

Six consecutive Quarters in the Dean’s List - Lexington, Kentucky – U.S.A

Master of Business Administration - Institute of Executive Development (GPA 3.8) Mar 1998 – Dec 1999

Spain – Chile

Bachelor of Science in Economics – Catholic University (GPA 3.4) Mar 1980 – Dec 1987

Graduated with Honors - Peru

CERTIFICATIONS

2010 Leadership Program – Kentucky Housing Corporation University Dec 2010

2010 Neighbor Works – Financial Mitigation Certification Nov 2010

2009 Housing Program – Kentucky Housing Corporation University Dec 2009

Customer Service Certification – Rockhurst University Continuing Education Center Nov 2008

Certification in Leadership Skills for the New Business – University of Tarapacá - Chile Jul 2003 – Nov 2003

Certification in Project Preparation and Evaluation - University of Tarapacá - Chile Apr 1991 – Jul 1992

COMMUNITY SERVICES

Lifelong Learning Center Adult Education Apr 2009 – Mar 2010

Taught English and Math (GED) to immigrants to get their GED Certification

SKILLS/ABILITIES

• Proficient in Microsoft Excel, PowerPoint, Word,

• Proficient in English and Spanish

• Experience with Lotus Notes

REFERENCES: Upon request

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