Customer Service Sales

Todd Kirkland

*** ** *** . ****** ****, TX *****

214-***-**** . ********@*******.***

Qualifications Profile

Tenacious Loss Mitigation Specialist talented in reducing and resolving

financial risks and losses while delivering top-class customer service.

> Demonstrated track record of surpassing sales goals, minimizing

corporate losses and boosting profitability.

> Diligent professional skilled in collaborating with customers to

devise solutions that ensure prompt remittance of outstanding

balances; impressive problem-solving and consultative acumen.

> Expertise in data analysis, loan modification, risk assessment,

underwriting, short sales, payment collection, real-estate-owned

transactions and report generation.

> Strong project management talents and capacity to lead teams to

complete initiatives promptly.

> Ethical demeanor with focus on maintaining regulatory compliance in

all matters.

> Excellent interpersonal skills to forge partnerships with customers

and colleagues; articulate oral and written communication skills and

firm grasp of technology applications.

Professional Experience

Capitol One North America, Plano, Texas

LOSS MITIGATION SPECIALIST, JULY 2009 TO 2011

Review individual loans/cases using AS400 as main operating system to go

over notes/review of account history to determined favorable causes of

action to minimize loss and risk to company. Implement customer resolution

programs including loan modification programs, repayment plans and short

sales. Leverage in-house tools for underwriting activities. Communicate

with customers to convey payment options. Ensure all paperwork is accurate

and appropriately filed. Utilize expertise in foreclosure, Real Estate

Owned (REO) and bankruptcy from MSP/LPS systems to processes and deliver

exceptional results in loss mitigation.

. Distinguished as HFI top performer every month since April 2010,

averaging 20+ cures, 8 short sales and 5 payment plans.

. Established record for largest wire transaction of $175,000 within

first 2 months in role.

. Revitalized loans worth millions of dollars from default status.

International Bank of Commerce, Helotes, Texas

Branch Manager, December 2007 to February 2009

Interacted with customers to aid in transactions, promote sale of banking

products and resolve disputes as necessary. Assessed business and personal

accounts to guarantee regulatory compliance. Facilitated daily staff

meetings. Compiled weekly and monthly sales goals projections and

performance reports. Conceptualized branch goals to promote profitability

and improve performance. Supervised 12 associates on staff, instilling

corporate standards and proven customer service strategies. Conducted

personnel evaluations. Spearheaded hiring process, screening candidates and

leading orientation for new hires.

. Directed multimillion-dollar portfolio of accounts.

. Cultivated solid base of customers by delivering exceptional customer

service.

World Savings / Wachovia, San Antonio, Texas

Loan Counselor, February 2007 to July 2007

Provided comprehensive knowledge on mortgage loan products during

consultations with borrowers. Assisted in setting up payment plans and

modifications; explained forbearance options. Meticulously documented all

client activities in call center setting. Expertly remediated default

loans. Collected payments over the phone.

Corn-Fed Enterprises, Inc., Gainesville, Texas

Account Executive / Foreman, October 2003 to July 2006

Oversaw of commercial and residential accounts. Originated bids and

proposals for prospective customers; focused on driving successful account

acquisitions in a competitive marketplace. Utilized marketing techniques to

upsell services, bolster corporate image and secure new clientele. Fostered

and nurtured relationships with existing customers.

~ Previous success as Outside Sales Specialist, Coverall Cleaning Concepts,

Dallas, TX ~

Education and Technologies

College Coursework Completed

Blinn Jr. College - Bryan / College Station, Texas

North Central Texas College - Gainesville, Texas

Technical Proficiencies

Windows, Director /AS400/ Session A, MSP/LPS Magnified, LPS Desktop, CMS,

Collateral Management

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