PABLO RODRIGO ROSALES

*** *. ******

Rialto, CA *2376

Cel: 909-***-****

E-mail: ad3hhd@r.postjobfree.com

EDUCATION:

Florida International University. Miami, Fla.

B.A. Management and International Business. 1995

Miami Dade Community College. Miami, Fla. Associate Degree in Arts. 1991

Miami Christian School. High School Diploma.

Graduated top 10% of class. Football and Baseball.

“Who’s who among American High School Students”. 1987

PROFESSIONAL EXPERIENCE:

07/05/2022 –08/08/2022 Mariner Finance. Ontario, CA. United States

Account Representative.

Provides a full range of services to individual customers, with emphasis on personal financial counseling, lending, collections, sales, customer service, and relationship-building. Contacts delinquent customers to determine reason(s) for delinquency and collect overdue pay.

I. Essential Duties

-Greets and assists walk-in and telephone customers at a branch office.

-Obtains applicable, required licenses to sell insurance products that are offered by the branch to customers.

-Interacts with customers in person and by telephone to service their accounts.

-Conducts loan interviews and enters information into an automated record keeping system.

-Proactively contacts borrowers with past-due accounts by telephone or mail to offer rewrite of loan or request payment.

-Negotiates extensions and modifications of loans, and arranges payment schedules.

-Assesses customers’ current financial needs and determines if customer has available cash on account or if customer needs to restructure debt to a home equity bill consolidation loan.

-Sells the company’s current product lines, including but not limited to personal loans, home equity

loans, and sales finance.

-Performs a variety of cashiering functions including maintenance of the branch’s cash drawer.

-Delivers deposits to a financial institution on a daily basis.

-Processes incoming payments on active and charged-off accounts.

-Prepares and forwards required debits with payment and updates account payment history.

-Maintains accurate and complete records on past due accounts and collection actions.

-Completes checklists and other supporting documentation and obtains credit reports.

-Answers incoming telephone calls and customers’ questions regarding perceived differences in payment records by researching and explaining payment history and timing differences as recorded.

-May perform additional functions depending on market demand and branch staffing in order to provide consistent quality customer service.

08/12 – 04/05/2022 Tele4u-Owner/Founder Matagalpa, Nicaragua.

Telemarketing, Customer Service, Appointment Setting, Sales and Real Estate .

Have done numerous inbound/outbound calling projects. From selling cellular phones, offering a rate reduction in a company's monthly phone bill, selling remodeling/construction services to selling a tenant computerized system.

All using ZOIPER, X-lite, Ring Central, Softphone, vulcan 7 dialers and Bria Also have used SKYPE to make calls.

Real Estate calls emphasized on (1) Asking homeowners if they were interested in selling their home and asking them questions about any home improvements they have performed in their homes and the price they are asking for them.

(2) Worked for Zetabid-an Auction company where the main goal was to call Realtors to see if they were interested in taking part of any Commercial, Industrial or Residential auctions taking place.

9/07 – 03/12 MONTE DE SION COFFEE. Matagalpa, Nicaragua.

Owner and/or Administrator. Responsible for the overall accounting and handling of finances of MONTE DE SION.

3/01 – 7/07 AGRICOLA SIARE. Matagalpa, Nicaragua.

Administrative Asistant. Responsible for the overall accounting of Siare Products. Maintained detailed inventory of labor and materials necessary for coffee production of the year in cycle. Coordinated bi-weekly payroll for 400+ workers.

8/00 – 1/01 COLUMBIA TRI STAR PICTURES. Miami Beach, Florida.

Credit and Collections. Responsible for the overall credit transactions of three mayor channels: SONY ENTERTAINMENT, AXN, and MUNDO OLE. Responsible for the credit & collections of the Pan Ad Sales. This covers over 50 companies in the United States and Mexico. The purse to collect was primarily the over 90 days accounts. Made about 40 calls per day to different clients, both in the U.S. and in Mexico. Collected about $1,500,000 over a month and a half.

3/00 – 7/00 CARRIER INTERAMERICA . Miami, Florida.

Credit & Collections. Responsible for organizing the company s accounts in different regions of the world. This includes the Caribbean, Central and South America. Preparation of an agis to analyze which accounts are overdue and which are not. Prepare a strategy on how to collect from clients. Utilize the program BAAN to input the monthly invoices to be sent to clients. Apply the daily cash received and other functions related to the Accounts Receivables.

12/96 – 1/00 BANCO MERCANTIL. Managua, Nicaragua.

12/96 – 1/00 Administrative Assistant. Responsible for preparing reports of the bank s monthly expenses. Also responsible of reviewing employee s loan applications to be sent to the credit committee for approval. Editor and Director of Banco Mercantil s bimonthly newspaper “EL MUNDO BAMER” . Responsible for elaborating a fixed assets inventory work schedule.

7/96 – 12/96 Loan officer. Review and analyze customer s files. Also check for their credit standing with Banco Mercantil. After all the information is reviewed and approved, then proceed and prepare financial statements for the credit committee to analyze and decide if the company in question is in good standing to receive the loan or not.

6/94 – 12/95 NAT NACCARATO & ASSOCIATES. Miami, Florida.

Assistant Bookkeeper. Responsible for preparing working files for assigned corporations for further preparation of Tax Returns. Performed light bank reconciliations. Data Entry for both Accounts Receivables and Accounts Payable.

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