Michael Cisonno

*** ********** ****** *** *****, IL 60007

(847) 312 – 9061 addf1c@r.postjobfree.com

linkedin.com/in/michael-cisonno-b645174b/

Objective: To obtain a position as a collections manager, utilizing strong investigative and organizational skills to recover money and properties owed to clients and creditors. Summary of Qualifications:

Investigations Loss Mitigations Collections Management

Garnishments Litigation Administration

Negotiation Process Serving Court Appearances Professional Experience:

Alliant Credit Union – Rolling Meadows, IL February 2019 -Present Senior Collections Specialist

Generate leads via skip tracing on vehicles in repossession status and/or the location of member(s) in legal status who are out for service. Work directly with repossession agents and national repossession assignment agency coordinating the recovery of collateral including. Ensure national repossession assignment agency properly and efficiently communicates and coordinates the assignment of repossession orders. Ensure assigned repossession agents are taking the necessary steps to secure collateral and reassigns agents when necessary. Work with internal departments and external partners on legal cases, with includes testifying in court cases, submitting documents pertinent to the case, and developing strategies on how best to pursue legal action in cases of replevin, suit, foreclosure and bankruptcy. Works directly with Loan Servicing department, dealerships, DMV offices, and other offices to facilitate successful addition of lien. Work with external remarketing partners coordinating the appropriate value and sale of repossessed vehicles. Work with insurance companies on vehicles in repossession or abandoned status’ that are in need of repair and/or are a total loss. Meadows Credit Union - Palatine, IL April 2013 – February 2019 Collections Administrative Assistant

Utilize skip tracing to obtain current contact information on members of the credit union with delinquent loans. Serve process for collection matters and evictions. Make door knock collection visits. Assist in field searches of vehicles designated for repossession. File court documentation related to bankruptcy and legal matters. Prepare monthly reports detailing delinquency information for credit union Board of Directors. Work with credit union attorney on issuing wage garnishment and filing suit on delinquent accounts. Represent credit union at court hearings and mediation sessions. Work with insurance adjusters to facilitate repair of damage to repossessed vehicles. Assist collections manger in management of REO properties. Place calls to members regarding past due payments on loans. BMO Harris - Wood Dale, IL November 2012 – March 2013 Personal Banker

Assisted members with account related issues, including opening of savings, checking, CD and various share accounts. Processed auto, personal, Visa and home equity loan applications. Various duties as assigned by the Branch Manager. Chase Mortgage - Phoenix, AZ and Elgin, IL February 2010 – November 2012 Customer Service

Assisted Customer Service Associates with review of payment programs and settlement requests. Answered escalated calls on customer issues with credit cards and negotiated resolutions. Assisted customers with eligibility for and processing of payment programs and settlements. Submit process improvement ideas to help enhance the customer experience. Handled inbound and outbound Loss Mitigation calls for accounts in active foreclosure or modification. Assisted customers in finding alternatives to foreclosure. Handled inbound and outbound collection calls for delinquent mortgage loans. Michael Cisonno

795 Wellington Avenue Elk Grove, IL 60007

(847) 312 – 9061 addf1c@r.postjobfree.com

linkedin.com/in/michael-cisonno-b645174b/

Deer Valley Credit Union, Phoenix, AZ May 2002 – February 2010 Senior Account Services Representative/Assistant Manager Managed day-to-day operations at branch, supervising up to three associates. Placed collection calls on past due accounts working towards solutions that benefited all parties. Assisted in lowering overall delinquency by using collection tools such as Accurint, Experian, People Search and other skip tracing services. Investigated account activity for fraud, account abuse and signs of money laundering. Collected on negative share accounts and returned check items. Monitored accounts for possible repossession. Collected on delinquent first mortgage loans. Assisted in the research and implementation of various loan programs and promotions.

Education:

William Rainey Harper College – Palatine, IL

Private Investigation Certification May 2016

Coursework towards Associates of Arts

Training:

Bankruptcy Conference, ACUL Phoenix, AZ May 2006

Fraud Seminar, ACUL Phoenix, AZ June 2005

Advanced Excel, Glendale Community College July 2006

Personal Training Certification, International Sports Science Association September 2011