EDUARDO APODACA

***** ******** **** ** - ****** Valley, CA 92557

951-***-****

g8a0cs@r.postjobfree.com

_____________________________________________________________

OBJECTIVE

To become a sure asset to your organization

QUALIFICATIONS

Over 10 years experience in collections practices and customer service, a thorough knowledge of mortgage lending procedures and Real Estate Mortgage and Auto Loans

Direct involvement in handling all phases of past due residential loan servicing , high volume of escalated customer calls, ensuring staff consistent regulatory and compliance guidelines

Fully knowledgeable in GRAMM-LEACH-BLILEY ACT, HAMP,MHA,FNMA, FDCPA, FCRA, ECOA, HMDA, FTC, Bankruptcy laws as well as various loan programs

Excellent effective verbal and written communication skills, superior people, sales negotiation and leadership skills. Strong knowledge of call center collections, Attention to detail, strong organization and time management. Able to establish extensive and strong sense of rapport, honesty, reliability and integrity with senior management, co-workers and customers

Bilingual – Certified Bilingual Spanish Translator

EXPERIENCE

IndyMac Mortgage Services, Irvine, Ca 04/11 to 12/11

Loss Mitigation Specialist III

Provide excellent customer service to distressed homeowners while evaluating current loan status to advise of all applicable solutions to help keep homeowners in their homes and avoid foreclosure and selling them on a more affordable loan programs

Diffuse hostile conversations with dissatisfied homeowners and avoid manager escalation

Coach team members while acting as an informed source to ensure policy and procedure compliance

Constantly achieving above average Collections recovery ratios, superior Customer Service and Quality Control adherence

Carrington Mortgage Services, Santa Ana, Ca (12/09 to 12/10)

Loss Mitigation Specialist/Senior Mortgage Collector

Assisted mortgage loan customers in hardship through sales of modifications, short sales, repayment plans and forbearance plans

Collected on 5-120 days delinquent mortgage loans including assigning for foreclosure

Achieved and maintained status of collector of the month for 8 months of the year with the most money collected

Bank of America, Brea, Ca (02/08 to 11/09)

Loss Mitigation Specialist/Senior Mortgage Collector

Assisted mortgage/auto loans customers in hardship by resolving delinquency through selling loan modifications, repayment plans and forbearance plans

Collected on 10-120 days delinquent auto loans including assigning for repossession

Assessed debt to income ratios and processing modifications, deferments and/or reduced payment plans

Achieved and maintained status of team sales, collector of the month for 10 months of the year with the most money collected

American Mortgage Banc, Diamond Bar, Ca (11/05 to 01/08)

Account Executive

Solicitation and sale of Mortgage Loans

Assessed financial budgets to recommend best loan programs

Assisted mortgage/auto loan customers in hardship by resolving delinquency through loan modifications, repayment plans and forbearance plans

Collected on 10-120 days delinquent auto loans including assigning for repossession

Assessed debt to income ratios and processing modifications, deferments and/or reduced payment plans

Achieved and maintained status of collector of the month for 10 months of the year with the most money collected

Hsbc/Hfc, San Bernardino, Ca (11/04 to 11/05)

Account Executive

Solicitation, Sales and servicing of Real Estate Loans/Consumer Loans

Solicitation and Sales of Ancillary Products, Life & Disability Insurance

Solicitation and Sales of Auto Loans

Pro Sat Communications, San Diego, Ca (10/03 to 10/04)

Professional Sales & Customer Satisfaction Representative

Provided product information (DTV satellites) to customers

Responsible for sales and maintaining 95% activations ratios

Responsible for maintaining 98% customer satisfaction index

Long Beach Acceptance Corp, Orange, Ca (05/02 to 09/03)

Front-End Collector

Collected on 20-59 days delinquent auto loans

Responsible for maintaining acceptable company delinquency levels

Responsible for assessing debtor’s equitability to recommend deferment or repossession action to Supervisor

Western Financial Services Corp, Ontario, Ca (02/01 to 04/02)

Senior Collector/Charge-Off Specialist

Collected on 120 days plus charge-off auto loans

Responsible for maintaining acceptable company delinquency levels

Responsible for assessing debtor’s equitability to recommend legal action to Supervisor

Washington Mutual. Orange, Ca (03/00 to 01/01)

Senior Mortgage Collector/Supervisor

Serviced & collected on 30-days plus delinquent mortgage loans

Supervised seven to ten mortgage collectors

Supervised daily performance of seven to ten Loan Servicing Representatives

Responsible for maintaining company acceptable delinquency levels

Hyundai Motor Finance Corp, Fountain Valley, Ca (02/97 to 02/00)

Dealer Fraud Manager / Asset Re-marketing Manager

Supervised five Asset Re-marketing employees

Responsible for hiring, training development daily productivity of staff and the department to meet company standards in sales auto auctions, reinstatements, lien sales, and impound notices, both retail and leasing portfolios

Conducted weekly meeting to ensure employees appropriate knowledge of company policies and procedures while enforcing compliance of applicable local state laws and requirements in all 50 states

Collections Supervisor

Achieved and maintained delinquency ratio drop and reduction from 18% to 2% delinquency ratio

Supervised 14 Automobile Collectors and 1 Repossession Desk Specialist

Implemented collection strategies to maximize department goals and minimize and control company losses by proper use of time management of each Collector

EDUCATION

Related Courses

Spanish, Theology, Sociology and Psychology

Latin American Bible College, Los Angeles, Ca

Rio Hondo College, Whittier, Ca

Professional Development and Certification

Small Claims Court

FDCPA’s Collections

Finance and Insurance

REFERENCES: Available Upon Request

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