Loan Customer
Resume:
NC
Niquia Casey
Professional Summary
Responsible Collections Specialist looking for position with increased responsibility. Proficient in collection products, compliance requirements and payment schedules. Accurate in processing payments and efficient in completing daily tasks in fast-paced environments. Work History
K Force Staffing - Document Processing Specialist
Arlington, TX
01/2020 - 03/2020
SunTrust Banks - Collections Specialist
ARLINGTON, TX
06/2017 - 10/2019
*************@******.***
Dallas, TX 75216
Skills
Education
05/2004
Lake Highlands High School
Dallas, TX
High School Diploma
El Centro College
Dallas, TX
Some College (No Degree)
Provided assistance with document processes, both inbound and outbound, including document sorting, logging and work order creation.
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● Worked with internal staff to process documents and sent for closing. Modified and maintained tools to support operations and business process creation using Adobe Acrobat, SharePoint, Excel and Access capabilities.
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Performed document reproduction, printing documents from electronic sources such as email attachments, PDF files and cloud storage.
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● Handled any conditions sent from underwriting departments.
● Set up and completed loan submission packages.
Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
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Reviewed and validated details of loan applications and closing documentation.
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Produced and submitted completed loan packages to title and escrow professionals.
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Counseled debtors on payment options and arranged installment agreements
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Used probing techniques to determine debtors' reasons for delinquency
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● Maintained high volume of calls to meet demands of busy group
● Paradata,Oracle,Auto,Payment Portal
● Excel,Outlook,Microsoft
● Account reconciliation
● History research
● General ledger accounting expertise
● Regulatory compliance
● Call center experience
● Data entry
● Goals and performance
● Collections
● Payment processing
● Finance
● Accounts payable and receivable
● Performance improvements
Santander Consumer USA - Collections Specialist
Dallas, TX
03/2014 - 05/2017
Citigroup - Mortgage Specialist
Irving, TX
02/2012 - 01/2014
● Achieved performance goals on consistent basis
● Negotiated to collect balance in full
Handled 200 outbound and inbound calls daily with goal of collecting owed debt
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Discussed options with delinquent clients in terms of proposed solutions or foreclosure
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● Processed payments and contracts on accounts
● Used skip tracing and other techniques to locate debtors Worked in call center environment handling manual and automatically dialed outbound calls
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● Processed payments and applied to customer balances
● Processed payments and applied to customer balances
● Established procedures for collection of past due amounts Performed prescribed scripts and utilized friendly but firm attitude with full knowledge of contractual requirements and legal remedies
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Worked with legal resources and recovery teams to manage default issues
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Contacted customers to collect outstanding payments via one-time or negotiated installment methods
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● Oversaw daily posting of payments to customer accounts Researched accounts and completed due diligence to resolve collection problems
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Balanced monthly general ledger accounts to accurately record cost and month end accruals
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Used skip tracing resources to locate debtors and updated information in company system
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Counseled debtors on payment options and arranged installment agreements
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Used probing techniques to determine debtors' reasons for delinquency
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Reviewed collection reports to determine status of collections and amounts of outstanding balances
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Identified, researched and resolved billing variances to maintain system accuracy and currency
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Remained updated with latest information related to mortgage products and services being offered
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Evaluated pay stubs, credit history, tax information and bank statements for financial status
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Explained legal aspects of loan to borrower, as well as payment terms and clauses
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● Creatively solved business problems while specializing in organizational development, marketing and production management with track record of meeting revenue and profit goals Reorganized, streamlined and strengthened operations to maximize performance and profitability in highly competitive markets
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● Developed and maintained relationships with local real estate agents Originated, reviewed, processed, closed and administered customer loan proposals
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● Assisted senior-level credit officers with complex loan applications Recommended loan approvals and denials based on customer loan application reviews
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Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
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