Customer Service Sales

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PROFESSIONAL SUMMARY

Financial professional with over 15 years experience in Loss Mitigation, Loan Servicing,

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Collections, Accounts Receivable, Financial Quality Control, Customer Service and Field

Support.

Key Strengths

Expert in MS Office 2007 Dedicated, detail-oriented, Quick at learning and

Word, Excel, Outlook, and accurate with comprehending new

Power Point, Access & exceptional negotiating, systems and methods.

Publisher. Skilled in communication and Enjoys facing new

QuickBooks & MLS Tempo. analytical skills. challenges.

PROFESSIONAL EXPERIENCE

FRONTIER LOAN CONSULTATION SERVICES – OCEANSIDE, CA 2008 to 2010

Loss Mitigation Specialist

Provide loan resolution to distressed, high risk, and 90 day+ delinquent loans. Identify client’s problems and provide a

strategy for resolving problems. Negotiated forbearance agreements, loan modifications, short payoffs, deeds in lieu of

foreclosure and legal settlements with national lenders.

Calculated client’s income in compliance with bank guidelines in order to determine the borrower’s ability to

modify their loan.

Obtained all the required documentation from the client to complete the loan modification.

Follow up on all payment arrangements and other borrower commitments.

Update client files by documenting any communications or action taken.

Attract new mortgage loan applications by proactively advertising within the community via: phone calls, house

calls, fliers, sings and local publications. Developed good client relationships resulting in referral business.

2000 - 2003

COUNCIL TRAVEL – SAN DIEGO, CA

Quality Control Operator

Responsible for providing accounting assistance to store and district managers for the successful day-to-day processing of

seven Council Travel retail shops. Ensuring the accuracy and integrity of the financial statements, while achieving operating

profits and goals.

Processed daily sales, balancing of daily cash, check, and credit card receipts, verification of documents, fares,

forms of payment and product code.

Maintained spreadsheets for daily sales and gross margins, track insurance applications and general ledger expense

write offs.

Proper mailing and distribution of airline tickets, insurance applications, service vouchers.

Maintained an organized filing system for daily sales records.

ANACOMP INC. - POWAY, CA 1998 - 2000

Credit Services Specialist

Maintained analysis of corporate accounts by using the AR system to ensure payments are made in a timely manner.

Corresponded with sales, operation staff, and customers to resolve discrepancies on invoices. As a result, increased

revenue and enhanced customer relations.

Provided research, recommend solutions and issued corrective action which includes billing request, credit and

debit memos, adjustment forms, and customer master changes.

ADVANTA MORTGAGE CORPORATION – SAN DIEGO, CA 1995 - 1998

Mortgage Collector – Loan Counselor

Responsible for contacting delinquent mortgagers, obtaining information pertaining to reasons for delinquencies, including

financial analysis of income, monthly obligations, and dependants to help cure delinquency.

Identified problems, created solutions and negotiated workout plans such as repayment plan agreements, and

forbearance plans to cure delinquency.

Accurately documented information on company database, and maintained all related documents.

Protected company interest by professionally handling and servicing situations that included difficulties with

payment plans, problem accounts, and borrower complaints.

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EDUCATION

Business Management, Mira Costa College, Oceanside CA

Microsoft Office Applications Certificate, North County Career Center, Oceanside CA

Shelby E. Rains

1651 S. Juniper St. #228, Escondido CA 92025 951-***-**** abkc9b@r.postjobfree.com

Contact this candidate