Collections Representative Customer Support

Nicholas A. Pichardo Jr.

***-** *** ******

South Ozone Park, NY 11420

Cell 718-***-****

adwaj7@r.postjobfree.com

SUMMARY

A veteran customer service and collections professional with a strong track record of improving collections rates, improving revenues and retaining customers. A customer-focused service provider who provides continued emphasis on process improvement and enhancement. A solid understanding of technology utilized in the collections process. A notary /Certify signing notary agent and experienced negotiator.

PROFESSIONAL EXPERIENCE

Dime Community Bank 06/2007- 04/2021

Senior Representative-Customer Support/Collection Mortgage loan servicing department primary collection representative for Commercial mortgages.

Liaison between interoffice departments to help expedite customer’s inquiry about their mortgage status on subjects such as: Escrow balances and requirement, property insurance inquiries and properties rent roll / P& L report to LTV ratios.

Maintaining delinquencies below 1% to 1.90 % exciding national banking averages.

Oce' Business Services - New York, 2006-2007

Senior Representatives -Credit & Collections-A/R Billing Credit & Collections representative for Multi-National Corporation primely Business to Business collections on 27M monthly billing portfolio.

Delivered collections insight and analysis of diverse account data utilizing Dun & Brad Street commercial credit reports, also utilizing Bank and Trade references.

Provided database updates on all customer activity. Posting all debits and credits to accounts and updating monthly trial balance.

Update upper management and field area mangers with End-of-Month aging reports via Outlook, Word, and Excel.

JP Morgan Chase Corp. - Hicksville, NY 1998-2004

Senior Representative – Collections

Primary collections representative for 150 credit card accounts, expedited payment processing for a 13M portfolio by 50%.

Provided pre and post charge off administrative support for both front end and back end accounts. Developed and delivered required documentation.

Delivered collections call center support providing insight and analysis of diverse account data utilizing skip tracing experience, knowledge of FDCPA practices as well as Coles and First Data.

Utilized credit bureau databases to mine knowledge to accelerate collection rates and improve revenues.

Liaison with Legal department to expedite settlements.

TECHNOLOGY

Chase Community Technology Volunteer

Installed and setup Personal PC for under privilege children.

Setup and Installed, printer connectivity, Anti-Virus software.

Also setup PC internet connectivity via ISP software and Windows client.

Computer Career Center- Rego Park, NY

SOFTWARE – MS Office, Lotus Notes, MS Access, Mosaic, MAD – Auto Dialer, FDR.

HARDWARE – Familiar with Micro PC operations, printer connectivity, installation and upgrades of PC networks and upgrades of peripherals.

OPERATING SYSTEMS – WIN XP, Win98, MS DOS, Win2K, WIN 2000 Professional, Vista, Novell LAN, Red Hot Linux

CERTIFICATIONS

Help Desk Specialist – Certificate in A+, CAN, Linux, MSP

EDUCATION

JP Morgan Chase Professional Education Program

Six Sigma Fundamentals

Leadership Principles

Customer Service Training Program

Adelphi University – Garden City, NY

B.S. – Finance School of Management and Communications

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