Senior Auto Finance Collections Specialist

DIANNA M. SANCHEZ

**** * ****** ** • Gilbert, AZ 85296

n 602-***-**** • )n ***********@*****.***

Professional Summary

Experienced collections professional with over 20 years in auto finance and banking, specializing in late-stage delinquency management, skip tracing, repossessions, and customer payment negotiations. Adept at maintaining compliance with lending regulations, improving recovery rates, and fostering positive customer relationships while minimizing losses.

Core Competencies

• Auto Loan Collections • Repossession Coordination • Skip Tracing & Account Location

• Payment Arrangements & Negotiations• Credit & Loan Documentation Review • Customer Relationship Management (CRM)

• Compliance & Regulatory Adherence • Reporting and Data Accuracy Professional Experience

Flagship Credit Acceptance — Tempe, AZ

Collections Specialist

02/2022 – Present

Collects 91–120 day delinquent customer payments in accordance with due dates. Discusses causes of delinquency, negotiates payment arrangements, reviews accounts for deferment or modification eligibility, performs skip tracing, contacts references, and assigns repossession tasks to recovery agents. Bank of America Auto Loan

Repo Collections Specialist

03/2021 – 06/2021

Managed inbound/outbound repo collections, negotiated payment and deferment arrangements, coordinated with repossession agents, and prepared title work and repossession affidavits (ELT). Bank of America

Collections Representative

02/2008 – 2021

Handled inbound/outbound calls to delinquent borrowers, issued notices, processed payments, created repayment plans, and supported Fannie, Freddie, and PMI reporting while ensuring compliance with credit reporting guidelines.

Wells Fargo Bank – Business Direct

Collections Specialist

11/2003 – 01/2008

Identified and communicated with delinquent customers, negotiated payment terms, maintained credit histories, analyzed account risk using credit tools, and supported internal and external credit inquiries. GM Financial (formerly AmeriCredit)

Collections Specialist

10/1998 – 10/2003

Managed delinquent auto loan accounts, coordinated default collections, performed skip tracing, analyzed loan data, ensured compliance with banking regulations, and assigned repossession tasks.

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