Latrell Carrington

North Brunswick, NJ

SUMMARY OF QUALIFICATIONS:

Extensive experience in Collection, Loss Mitigation (mortgages), Debt Negotiation, Account Receivables. Best practices resolution in Collection: B2B Collections and Negotiations, Consumer and Debt Negotiations exceptional knowledge FDCPA. A hardworking Collections professional skilled in interpersonal communication, detail- orientation, organization, multi-tasking, and extensive talk off technique (rebuttals). Extensive experience with credit assessment, account resolution, and financial analysis. A reliable strong team player with a record of fostering positive interdepartmental relations. Highly motivated with demonstrated strengths in maintaining productive business and client relationships.

INFORMATION TECHNOLOGY SYSTEMS & APPLICATIONS

Ms Office

Word

Excel

Oracle

Hyperion

V-Lookup

Outlook

Power Point

Adobe

As400

Windebt

People Soft

Artiva Auto Dialer

Track Wise

PROFESSIONAL EXPERIENCE:

Corp Client Services

B2B Senior Collections/ Negotiator 02/2017-09/2020

Negotiated B2B loans down to 50% or less via lump sum or 6 to 8 payment or conditional release.

If account is in active suit, could negotiate balance in full up to 24 months.

Interacted with all departments including accounts receivable and accounts payables.

Assisted accounts receivables with any invoice or customer questions as well as resolve any discrepancies.

Utilized Microsoft Excel including v-lookups.

Member Support Services- CUSO Federal Credit Union

Senior Member Advocate 02/2016 - 01/2017

Collections Specialist 02/2015 - 02/2016

Cured Delinquent Commercial, and Consumer mortgages 1st 2nd and Heloc.

Cured P-loc, Personal Loans, Car Loans, Credit Cards.

Assisted accounts receivables with any invoice or customer questions as well as resolve any discrepancies.

Processed Right to setoff, Prepared documents for foreclosures and Auto Repo’s Charge-off 's.

Negotiated balance in full, Settlement and payment arrangement both on phone and in person

Assisted in restructure of loan terms.

Managed QA reports for all Loans review errors with President, Vice President and Department Head.

Cenlar FSB

Loss Mitigation Specialist/ Collections 10/2013 - 8/2014

Cured Delinquent mortgages for one of the largest sub servicers in the country

Acknowledged for improving loss mitigation department by assisting in achieving fewer than 4% mortgage delinquency.

Utilized Microsoft Excel including v-lookups.

Initiated over 150 collection call (auto dialer) per day following FDCPA guidelines in a call center environment.

Processed over 200+ payments per month for borrower/members in private label, Freddie Mac, Fannie Mae, and FHA loan.

Coordinated with client services for best account resolutions involving escrow, shortages, miss applied and miss payments.

Prevented foreclosure by uncover Root Cause for delinquencies, financial analysis, solicit loss mitigation package.

Achieved 93% average on third quarter 2013 Quality call reporting score card.

T’s Advantage LLC

Debt Negotiator (Independent contractor/ Consultant) 12/2012 - 9/2013

Resolved client debt by negotiating settlement arrangement with Original Creditors, Attorney offices and Third Parties.

Ensured client under their rights under FDCPA regulation.

Encouraged client to respond to Validation of debt in a timely manner.

Assisted in updating and review inaccuracies on credit reports and third-party reporting agencies, LexisNexis

Set up budget plan for client to be set aside for purposes of resolving settled accounts.

Worked along with realtors to assist in credit repair to get clients pre-approved for loans

Law office Michael Lupolover

Debt Negotiator- sub contractor 06/2011 - 11/2012

Efficiently managed a queue of over 1000 clients with 700 past 180-day requirement to proceed with Original creditor.

Negotiated accounts with Original Credit, Attorney Firm and Third parties with a success rate of 98% of debt reduction.

Maintained first point of contact as well as the last point of contact i.e., Supervisor for best settlement arrangements

Settled summons 69% without consent to Judgment. Obtained payment plans on judgments as well as facilitate straight and conditional releases on garnishment. Ensured accuracy of client information on debt owed

Managed all clients file on offers received by mail and negotiators for second review, voice over and possible settlements.

Reported directly to the President /CEO (Michael Lupolover)

Route 1 Auto

Collection Liaison/ Mediator-Sub Contractor (p/t) 5/2009 - 01/2012

Process complaints and summons on balance due on leased vehicle for damages, mile overage.

50% cure rate on just collection calls alone.

20% cure rate on complaints filed on leased vehicle for damage and mile overage.

Prompt reporting unauthorized credit card use, and termination of contract that purposely defraud by knowingly leasing a vehicle for unlicensed driver or noncredit worthy candidate.

15% of negotiation is settled in court with consent to judgment.

Debt Remedy Solutions

Debt Negotiator 6/2008 -10/2009

Obtained settlements as 30% on average of current balance

Secured settlement with original creditors as low as 10% legal accounts as low 40%

Acknowledge for settling account below industry standards by 10% or more. * Rare Achievement*

Surpassed debt team record settling upwards 330,000 on an average month and saved the clients as much 12k on a single account within 60 days of hire

Achievement: graduated 7 clients in one week from program.

Assisted in company getting in the Million-dollar club. Making them eligible for Task and NYSE.

Became team lead/voice over within 30days of hire

Bronson & Migliaccio

Collection Specialist 03/2006 - 06/2008

Managed a portfolio of about 800 accounts, inbound and outbound in a high-volume call center setting.

Assisted in second voice talk off technique (rebuttals) with a proven record of securing payments.

Resolved end of term leases and deficiency accounts for Toyota, Honda, and world Omni. Portfolio consisted of high balance credit cards, B2B and consumer and a skip tracing queue of about 200 accounts

Impeccable record of superseding set goals monthly to meet bonus and commission structure.

Forster & Garbus

Collections Representative 08/2002 - 01/2006

Responsible for legating purchased accounts.

Researched Bankruptcy and death claims, documenting fraud claims and problem solving.

Reviewed credit reports update system with new findings upload information in bank finders and verify employment.

Time management for hot leads, follow up and skip tracing and having call ins with promise to pay reassigned to queue.

Assisted in re-fi to secure payment in full

Amalgamated Credit Bureau

Collection Representative 01/1994 - 03/2001

Customer service friendly collections for a customer base made up from “mom and pop stores to the largest and most prestigious companies in the United States

Collected on business to business accounts.

Accounts receivable: identified delinquent account 30, 60, 90-day net follow up with calls and letters.

Placed holds on accounts, pull daily reports, research claims of underlived merchandise.

Checked all incoming document for accuracy and contacted customer service for corrections.

Troubleshooted problems over the phone for patrons who are unable to access their online documents.

EDUCATION:

Paralegal/ Career Development, Middlesex County College, New Brunswick, NJ

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