Ricky A. Young

ad3klt@r.postjobfree.com

214-***-****

Dallas, TX 75241

SUMMARY OF QUALIFICATIONS

· 15 years of experience in finance, customer service and accounting

· Familiar with most mortgage and accounting software packages

· 12 years of experience in the mortgage and title industry

· Experience with maintaining general ledger and balance sheets

· Completed TL&T Courses: Selling Title Insurance and Calculating Premiums.

EDUCATION:

El Centro College

finance sss1987

Wilmer Hutchins High school

High school 1977

EMPLOYMENT HISTORY

247.ai Customer service 06/2016-present

Resolved customer issues and maintained contacts throughout the installation process to ensure complete customer satisfaction and service.

Played a critical role in providing an interface between customers and company, maintaining friendly service and a professional manner in all communications.

Inbound and outbound customer service and collection calls

I worked as a call representative.

My role was to answer inbound phone calls, resolve customer issues, and guide them on things that they couldn’t online.

Handled customers effectively by identifying needs, quickly gaining trust, approaching complex situations, and resolving problems to maximize efficiency.

Veterans Administration Tses Customer service 11/2014-6/2016

Handling Inbound Calls & Customers Concerns.

You have a friendly and personable attitude with the ability to adapt to the different needs of our customers.

You possess strong problem-solving skills to help create innovative solutions for our customer’s needs.

Each customer is unique and you have the ability to show empathy and resilience with each customer contact.

Walmart Customer service 9/2012-6/2014

Reviewing reports to establish baseline with customer satisfaction levels

Promoting a positive work environment for employees and leading by example

Ensuring associates are adequately training and up to date on current procedures

Exeter Finance Loan Compliance 3/2011- 8/2012

Consistently ensured loan compliance with mortgage lending laws and regulations.

Communicated with customers daily to request information and ensure completion of paperwork.

Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.

Monitored key dates to ensure information is obtained by deadlines.

Assembled important paperwork and disclosures for borrower.

Worked with Loan Officer to create application profile in system and review key information at various stages within process.

Communicated acceptance or rejections.

Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

GMAC Mortgage Loan Resolution 9/2008 - 10/2011

Make collection calls, posting and reconcile accounts receivables, prepare bank deposits, insure that cash receipts and unpaid invoices are accounted for

Review, confirm and enter credit, liabilities, GFE and all 1003 information

Calculate title premiums, review title packets for accuracy, insure that the correct endorsements were issued pertaining to state regulations, and entered polices into system

Citi Financial Loan processor 10/2007 - 6/2008

Customer service via social media

Call center customer service

Collections

Mortgage Loan Resolution via call center

Heath Insurance Brokers A/P-A/R 8/2005- 5/2006

Review loan package and credit documentation, verify Hud 1, insurance taxes and escrow

Provide funding authorization, wire instruction and transmittal of documents

Generate A/P and A/R reports, issue purchase orders, post bank receipts, print checks, transfer funds and post journal entries

Enter invoices into system pay by discount date

Assist patients with information and transportation to appointments

Robertson & Anschutz Loan closer 6/2002 – 12/2004

Responsible for inbound and outbound mortgage collection and resolution calls, made first, second line and third party calls, assisted homeowners in construction loan modifications, repay plans and short sales

Make collection calls, posting and reconcile accounts receivables, prepare bank deposits, insure that cash receipts and unpaid invoices are accounted for

Review, confirm and enter credit, liabilities, GFE and all 1003 information

Calculate title premiums, review title packets for accuracy, insure that the correct endorsements were issued pertaining to state regulations, and entered polices into system

United Commercial Property Service Accounts receivables 5/1998- 10/2001

Prepare expense reports arrange travel and lodging

Print and distribute checks, enter invoices and accounts payables and receivables

Verify that loan documents are correct for conventional, VA, Freddy Mac and Fannie Mae Loans

Apply corrections and arrange file in correct order for shipping

First Plus Financial Loan processor 12/1993 – 9/1997

Insure that loan documents are accurate and complete, arrange file in correct order, audit file, contact dealership, loan officer or customer if corrections are needed, verify title insurance and loan application

Accomplishments

· Dean’s list recipient at El Centro College

· Employee of the year – Arch Communications

· Number on in total calls at GMAC Mortgage call center

· Highest call quality grade at GMAC Mortgage call center

· Third in loan modification and repay plans

· Top 10 percent at AT&T in calls and quality

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