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Customer Loan

Location:
San Antonio, TX
Salary:
17.50
Posted:
July 21, 2016

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Resume:

Lucius Smith Jr

San Antonio, TX *****

acvsts@r.postjobfree.com - 210-***-****

Authorized to work in the US for any employer

WORK EXPERIENCE

Collector III

Farm Bureau Bank - San Antonio, TX - December 2015 to March 2016 Analyze delinquent and over limit accounts on consumer loans, auto loans, lines of credit and credit cards in order to determine appropriate collection action. Provide information and sells appropriate banking services to members including checking and savings accounts, and additional services related to deposit accounts. Provide servicing support to members by phone for bank products including credit cards checking and savings accounts, and certificates of deposit. Report directly to the Contact Center Collections Manager. Accept incoming calls from Farm Bureau members responding to direct mail, marketing material, publication or from referrals given by local agents as well as incoming calls from members with existing accounts. Mortgage Collector II

Wells Fargo - San Antonio, TX - June 2015 to December 2015 Functions include: answering questions pertaining to all areas of loan servicing including payment research, taxes, insurance, loan modifications and assumptions, prepayments, payoffs, adjustable rate loans, credit reporting, and lien perfection; researching and analyzing problems and recommending solutions; conducting periodic audits of files; may also coordinate property inspections, lien priority and loan disbursements in accordance with loan documentation; may perform procedures related to advances and pay downs, funds wiring and disbursement process. Within the commercial business is responsible for payment processing, check disbursements, tax payments, imaging and document management. Duties also included: Making outbound calls to customers to offer options and solutions to resolve their delinquency. Reviewing and researching systems of record in order to resolve customer inquiries while ensuring compliance with internal company requirements and government regulations.

Resolution Specialist I

KCI - San Antonio, TX - September 2014 to July 2015

• Review claims for accuracy. Performs needed corrections.

• Evaluates need for attachments to claims.

• Locates attachments within TPP.

• Submits complete claims to payers.

• Reviews discharge report from order entry systems and inputs discharge dates into A/R system.

• Reviews and inputs discharge dates from TPP research.

• Corrects transaction lines based on discharge dates.

• Generates corrected claims based on above corrections.

• Corrects billing rates and generates corrected claims.

• Corrects start and stop bill dates and generated corrected claims.

• Corrects billing cycles and generates corrected claims.

• Corrects payer profiles related to bill-tos.

• Reviews and correct claims sent to lost days.

• Correct bill-tos and regenerates claims to payers.

• Documenting actions in notes.

•Verify third party payer benefits and eligibility (online or telephonically).

•Review and analyze payer specific requirements and coverage criteria to determine required documentation and accurate billing criteria.

•Conduct in depth review of clinical documentation (medical records, prescriptions, operative reports, history and physicals) based on billing criteria.

•Call customer or field personnel to obtain missing documentation required for placement and/or billing. Could include home health agencies, patients, hospital/facilities, physicians.

•Contact patient to coordinate delivery of product. Communicate patient’s financial responsibility and any special instructions.

•Follow-up post delivery to obtain any additional documentation to support billing criteria. Collection Loan Counselor II/ Loan Processor

SWBC - San Antonio, TX - September 2010 to July 2014 Collected on severely delinquent accounts to include charged off debts by organizing daily call priorities to meet call volume requirements and direct dialing customers utilizing effective telephone Collection techniques and principles to sufficiently explaining the company's Collection policies.

•Negotiates payment arrangements to obtain maximum dollars collected and other predetermined monthly Collections goals and to ensure adherence with consumer laws and regulations relating to Collections to include FDCPA.

•Processes payment authorizations utilizing various computer applications to include providing the customer with appropriate documentation and reconciling customer accounts.

•Researched and answered customer inquiries on severely delinquent accounts to include maintaining a record of all customer contacts.

•Provides support documentation and/or recommendation for those accounts that may need to be deemed uncollectible.

Lending Auditor/Budget Analyst

SWBC - San Antonio, TX - July 2013 to September 2013 Working with a virtual database such as CRA WIZ and Fair Lending Wiz as well as the Tree View internet explorer Database used by the bank.

Load auditing and Data validation of all documents received from each institution or person requesting a personal or business loan from the bank.

•Analyze financial statements, credit references, and 3rd party credit reports in order to assess credit worthiness and recommend appropriate credit limits for new and existing customers

•Review suspended/blocked orders for marginal/high risk accounts in which credit decisions are made

•Direct, facilitate, and influence without authority the credit & collection department to take appropriate action on payment issues when necessary

•Provide guidance and training within the department when initiatives are developed and implemented to ensure the team is working together towards achieving their goals. Q/A Loan Processor

SWBC - San Antonio, TX - April 2012 to February 2013 Utilizes Automated Underwriting Systems to evaluate, score and render final credit underwriting decisions

• Ensures loan documents are accurate, complete and sufficient to clear all conditions for final loan approval within delegated authority; (will have conditions signing authority)

• Review and evaluate loan files for risk issues and potential misrepresentation

• Answers technical questions with regard to all agencies' guidelines (FNMA, FHLMC, FHA, VA, USDA)

• Manage and prioritize RUSH files, resubmissions, and newly submitted loans The Ideal candidate will meet the following criteria:

• Experience working with properties other than detached (i.e. condos, attached PUD's, duplexes, etc.). Receives and audits all Final Loan Documents ensuring all information is current, accurate, and complete; contacts Title companies, county entities, or other real estate personnel to obtain additional and/or corrected documents; and tracks document discrepancies to avoid costly late fees or re-recording fees. Sorts and scans all Final Loan Documents to ensure all of the loan documents are saved on the system in accordance with regulatory requirements.

Uploads Final Loan Documents to Mortgage System to ensure all documents are accurately entered into the system under the corresponding mortgage loan.

Bankruptcy/Foreclosure Specialist

SWBC - San Antonio, TX - June 2011 to March 2012

Responsible for a group of high level risk bankrupt accounts and applying Bankruptcy Code requirements to those accounts.

Responsible for high level account analysis based on Bankruptcy Code and general collection law requirements. Worked with mortgage loans in all states. Entered data into the loan origination system, created and analyzed documents, reviewed final loan requirements, mortgage insurance and real estate property. Worked to clear title and mortgage deficiencies, this included contacting settlement agents, county recorder's office and members. Also reviewed physical documents (mortgage and title policy) with a pipeline size around 80-100 per individual.

Mortgage Assistant Manager

Wachovia Bank - San Antonio, TX - February 2007 to March 2008 Responsible for reviewing all documentation of a mortgage loan application, the documentation consist of loan applicants, AUS findings, credit, income, assets, property (including title and appraisal, sales agreements) and disclosures. This position must verify and analyze all information found in the documentation upon completion of the mortgage loan file review. Underwriter will provide a detailed summary of findings and provide a loan decision; loan approvals, conditional loan approvals, suspense and loan denials. Managed direct reports, systems and projects to achieve unit goals in accordance with Company policies and practices.

Prepared and analyzed unit plans and reports.

Provided leadership by exhibiting influence and expertise, thus affecting the results of the operating area. Created an effective work environment by developing a common vision, setting clear objectives, expecting teamwork, recognizing outstanding performance and maintaining open communications. Credit and Collections Supervisor

Lacks Furniture Store - San Antonio, TX - September 2003 to January 2007 Assist in managing the collections process

Collect revenues and protect company assets

Counsel customers to gain timely renewal payments

Contact customers directly who have not made payments to get the customer current Maintain and update customer database and assisted with customer merchandise returns as needed. Negotiated mutually acceptable payment arrangements when necessary and followed up in a timely manner. Accurately document comments / actions taken on customer accounts to maintain good tracking and history on the system(s) of record. Facilitate resolution of disputed balances via research and/or reconciliations. Maintained service level agreements with branch locations and other functional areas. Worked with Account Executives, Finance, or the customers when credits or re-bills were needed. Researched requests for credits and re-bills and resolved them in a timely manner. Collection Specialist/Team Lead

JP Morgan Chase - San Antonio, TX - December 2000 to August 2003 Maintain verbal and written contact with members and others associated with overdue obligations

• Identify the reason for delinquency by contact with members

• Attempt to cure delinquency by assisting member with payment arrangements

• Recover funds owed through all legal voluntary and involuntary means

• Follow up daily on broken payment arrangements

• Handle incoming phone calls and provide member service

• Document all conversations and actions accurately

• Refer accounts to repossession agencies, attorney, collection agencies and reporting agencies as appropriate

• Maintain a basic understanding of bankruptcy laws

• Contact other creditor to gain information about delinquent members (Skip Tracing)

• Counsel members with financial issues

• Maintain daily call volumes as assigned by management

• Excellent written communication skills

• Excellent communication and interpersonal skills

• Effective communication skills with members, vendors, coworkers and supervisors

• Possess organizational skills which are necessary to maintain accurate information

• Ability to work independently and be a self-motivator



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