Alicia Cross

**** *. ************ **. *******, Arizona/623-***-****/acywed@r.postjobfree.com

OBJECTIVE

Obtain a position that offers growth and the possibility of taking on new challenges.

EXPERIENCE

Take Charge America

Student Loan and Credit Advisor

April 2016-Present

Phoenix, Arizona

Providing clients with financial options regarding student loans

Assisted clients on enrolling in Department of Education programs for federal loans

Obtained financial information from clients to assist in adjusting budget in order to maintain current status on monthly expenses and student loans

Assisted clients with defaulted loans that are currently in collections with an active wage garnishment or tax offset

Worked with Department of Education and its clients to place them on the best repayment option available including different loan forgiveness programs

Sales oriented

Completed both inbound and outbound calls, up to 100 per day

Assisted lower level management and upper level management to create marketing strategies that will assist in daily production and increase leads/sales.

Assisted immediate supervisor and Business Development team with obtaining business through University of Arizona and Arizona State University

Created training material for new hires to streamline the process and allow that process to be more efficient

Completed NFCC training and certification

Grand Canyon University

Student Financial and Enrollment Advisor

August 2015-May 2016

Phoenix, Arizona

Creating a graduation plan and path for each student

Processing financial aid, veteran benefits and cash payments

Processing enrollment and financial documents

Continuous communication with each student

Enrolling Bachelor degree and Master degree students

Utilizing leads to generate students

Discover Card Financial Service

Operations Portfolio Risk Analyst and Senior Underwriter

August 2013 to August 2014

Phoenix, Arizona

Underwriting and processing credit card applications

Underwriting and reviewing suspended and reduced lines of credit on card member accounts

Analyzing credit reports, income verification, housing information and employment.

Receiving inbound and outbound phone calls from card members

Analyzing card member financial risk to the company

Underwriting and processing of unsecured personal loans up to $25,000

Complied with all Federal banking and financial regulations

Completed own suspected fraud on loan applications

Verified income, employment and other identifying information needed to offer loan offer

Analyzing the primary applicants’ financial risk to the company based on conversations with applicant, credit bureau report and verification documents

Freedom Financial

Finance and Credit Advisor

August 2011 to April 2012

Tempe, Arizona

Debt Management worked with clients to reduced interest rates on unsecured debt.

Provided clients with budgets to be successful

Met or exceeded monthly quota every month employed Sales and Customer Service.

Sales oriented

Expert with reading and interpreting credit reports.

Ability to calculate current and potential reduction in interest rates on different types of personal loans or credit cards.

90% of workday spent on the phone with customers.

Identified prospective customers using lead generating methods and performing an average of 60 cold and warm calls per day.

Recognized as top sales generator

Consistently met and exceeded department expectations for productivity and accuracy levels.

Adhered to all federal and state compliance guidelines relative to credit counseling.

Educated customers on the variety of financial management options that are available.

Money Management International

Housing and Credit Advisor

September 2007-March 2009

Phoenix, Arizona

Completed HUD Counseling for HECM

Chosen to complete new protocol for HUDS counseling

Worked with seniors and Lenders on Reverse Mortgage

Complete budget reviewing income and expenses with all clients

NFCC and CCR certified

AARP certified HECM counselor

Member of HUD and AARP Reverse Mortgage network

Exceeded Monthly Goals over the past year

HOPE for delinquent mortgages

Adhered to all federal and state compliance guidelines

Provided expert financial advice on mortgages and debt management plans

EDUCATION

Grand Canyon University

Currently enrolled

Anticipated graduation June 2017

Masters of Business Administration with emphasis in Finance

Grand Canyon University

Graduated-August 2015

Bachelors of Science in Finance and Economics

Contact this candidate