Collections, Underwriting, Consumer Loan Officer

Benjamin T. Ellis

*** *********** ****, *******, ** 75019

Cell: +1-940-***-****

Email: ***********@*****.***

Energetic and Motivated Sales and Collections Champion

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Consumer Loan officer with 10 plus years of experience in collections and consumer sales within a fast paced, high volume environment. Proven results orientated self-starter with outstanding problem solving abilities. Effective communicator with superior customer service, organizational, and supervisory skills. Key knowledge resource for developing and training new loan officers. Trained in underwriting and fraud detections. Demonstrates high standards of professional behavior. Eagerness and capacity to quickly learn new tasks.

EXPERIENCE

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HSBC International, Auto Finance Division (formerly Household Finance)

An international banking and financing company 2003 - Present .

Deficiency Associate 2009-Present

 Consistently meet or exceed goals.

 Coordinated and assigned vehicles for repossession with outside vendors.

 Skip trace.

 Collection of accounts wherever possible to stop charge-off and repossessions.

 Negotiated additional fees with vendors.

Consumer Loan Officer 2005 - 2009

 Performed in the top 20% of revenue producers while meeting all the quality requirements.

 Received awards including compensation and acknowledgements.

 HSBC underwriting certified, responsible for verifications of income, employment and fraud detection.

 Credit report review for loan decision.

 Key knowledge resource to training facilitators in the development and evaluation of new loan officers.

 Functioned in supervisory capacity during problem solving escalation process for staff.

Collector / Skip trace 2003 – 2005

 Involved in collection of delinquent accounts between 30 and 90 days delinquent.

 Skip tracing delinquent accounts, accounts with incorrect or limited contact information using appropriate tools.

 Constantly in top 20% of performers in both money collected and arrangements.

 Trained new employees on the systems and processes.

 Point of escalation for the team and handled escalated calls when necessary.

Saturn of Lewisville

New Car Sales 2003

 Received one month of extensive class room sales training (including development of interpersonal communication).

 Responsible for managing leads as well as developing new leads.

CitiGroup

Senior Collector - Mortgage 1998 – 2002

 Contact customers regarding past due accounts.

 Set up payment arrangements.

 Managed 10 to 180 day delinquency of sub-prime personal, automobile and home loans.

 Report to management on top delinquent accounts.

 Major focus on loss preventions by identifying issues and solving them using the appropriate tools.

 On a daily basis console customers and educate them on their credit.

The Medley Group

Shift Leader 1996 – 1998

 Managed 8-10 direct reports.

 Set production times and assigned tasks to production staff.

 Managed quality control during the shift and coordinated delivery the finished product.

 Trained new hires on different techniques and how to use the production equipment.

EDUCATION

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University of Phoenix

Bachelor of Science in Business Management (est. completion date August 2010)

PROFESSIONAL DEVELOPMENT AND AWARDS

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| Five time employee of the month | Voted by my peers for the consumer choice award for outstanding teamwork | Winner of the 2003 and 2006 4th Quarter Hall of Fame trip | Nominated for 4 Star Award trip and You Rock Award for outstanding teamwork |

| Consumer Credit Training | Auto Finance Security Awareness | Problem Solving |

The Service Difference: Connecting with Customers | Negotiation | Values |

Call Control | The Service Difference: Reaching Stellar Service |

FDCPA Annual Certification - Fraud Awareness | Listening |

COMPUTER SKILLS

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| Microsoft Office: Excel, Outlook, Power Point, Word | Lotus Notes | Auto Dialer | PeopleSoft | AS400 | Evaluator | Auto-Track | LexisNexis | Experian | Nada Evaluator | Accurint |

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