consumer loan underwriter credit analyst collections customer service

Millbury MA ***** 774-***-**** ****.******@*****.***

Ioulia Maria Gotsis

Experience

**** – 2015

Wells Fargo Dealer Services

Westborough Ma

Consumer Lending Underwriter 2 / Credit Analyst April 2011 - Nov 2015

Analyze information received from credit applications and credit reporting agencies to make prudent credit decisions.

Negotiate terms and conditions of loan decisions with dealers within established approval/exception guidelines, leveraging risk versus reward, to ensure credit quality and profitability. Make exceptions to normal guidelines when necessary.

Conduct customer interviews and investigations on non-prime credit applications to gather and document information pertaining to making credit decisions.

Monitor dealer productivity and calls dealers for approvals and follow-up on pending contracts to increase capture and conversion ratios.

Establish dealer relationships by building rapport through telephone and field calls.

Coordinate with Operations Department to examine and evaluate proper documentation for funding.

Teams with collection department to resolve dealer collection issues.

Welcome calls. Verify all information with customer. Locate customer information with dealers and in lexis.

Help train new employees

Cross trained as a Business Development Representative and have gone out on the road to visit finance managers at dealerships to have meetings about their performance

Back Sheet Collector May 2010 – April 2011

Perform skip tracing on seriously delinquent accounts.

Project daily charge-off by utilizing various reports in Vista Plus and send out daily workload report to collections department.

Routinely update the department board with daily numbers and monthly goals.

Work closely with the internal insurance departments to expedite customer insurance requests.

Assist in training new associates.

Loan Service Counselor March 2007 – May 2010

Initiate external contact and receive incoming calls from customers to negotiate acceptable payment arrangements on their auto loans

Maintain up-to-date customer contact information in the collections systems.

Mar. 2005 –Dec. 2005

Claims Resolution Center

St. Petersburg, FL

Medical Claims Representative

Appealed denied claims.

Second party collections.

Daily and monthly reports generated for all outstanding accounts for multiple doctors’ offices.

2001 - 2004

Gulf Coast Oncology Associates

St. Petersburg, FL

Claims Representative

Rebill and send out medical claims with proper procedure codes to insurance companies.

Settled high dollar claims with insurance companies and appealed high dollar claims on all levels.

Put together spreadsheets for high dollar claims projects.

Printed daily electronic remittance reports

Attended meetings with doctors and insurance companies to resolve high claim balances that were denied in error and come to a settlement agreement

Trained new employees in medical collections

Education

1991 – 1995

Seminole High School

Seminole, FL

§High school diploma.

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