collection mgr

P.O. Box ******

San Antonio, TX PH: 210-***-****

PH: 210-***-****

Email: h4ry6h@r.postjobfree.com

Experience:

March 2010 Current Wells Fargo Home Mortgage

San Antonio, TX

Loan Adjuster Specialist

Responsible for providing single point of contact to borrowers whose loans are delinquent or at high risk for delinquency. Assist borrowers to find solutions to maintain home ownership, including HAMP, proprietary modifications, RPPs, etc. If retention options are not possible, discuss other solutions including short sales, deeds in lieu, etc. Responsible for analyzing the customer's financial situation and making recommendations on loan modifications/workout options to resolve delinquency. Identify, maintain, track and log requested documentation for loan modification review. Notify customers of loan modification decision, current status, options, timelines, coordination touch points, and customer obligations through the process.

November 2008 January 2010 United Auto Credit Corporation, TX

Account Representative

Proactively pursued resolution of all assigned delinquent accounts in compliance with state and federal regulations including the Fair Debt Collection Practices Act.

Expedited payment of delinquent accounts by negotiating the use of electronic payment tools available.

Ensured timely contact and effective communication with delinquent customers to ensure early problem detection and resolution to minimize delinquency and credit losses.

Through effective negotiation, prevented voluntary repossessions and other credit losses.

Effectively used available skip tracing tools while also controlling expense and compliance with all collection and confidentiality regulations in order to locate skip accounts and minimize loss.

Exceeded established daily, weekly, and monthly performance objectives for delinquency, credit losses, collection calls and as otherwise established by management.

Thoroughly, accurately and professionally documented all customer/collection contacts in the Company s operating system.

April 2006 October 2008 HSBC, San Diego, CA

Collection Counselor

Contacted customers regarding past due account(s) and negotiated appropriate resolutions.

Recognized potentially high risk accounts and developed techniques that suitably resolved delinquency issues.

Strictly adhered to compliance and operational risk controls in accordance with Company and regulatory standards.

September 2002 January 2006 G.C. Services, San Diego, CA Unit Manager

Assisted in directing and coordinating activities of assigned staff engaged in collecting delinquent customer accounts.

Participated in the interviewing, selection, hiring, training, performance reviews and disciplinary action of Account Representatives..

Collected delinquent accounts based on an assigned monthly budget in accordance with Company policies as well as all specified FDCPA, state and city laws.

Documented all collection activity concisely and accurately in the Company s operating system.

September 2000 August 2002 Home Gallery, Eagle Pass, Tx

Store Manager

Monitored and ensured total customer satisfaction.

Created, managed and executed agenda to increase sales and profits.

Analyzed various reports and restructured agenda as needed to maintain Company s growth and profit.

February 1995 August 2000 Rent-A-Center, Houston, Tx

Store Manager

Monitored and ensured total customer satisfaction.

Created, managed and executed agenda to increase sales and profits.

Analyzed various reports and restructured agenda as needed to maintain Company s growth and profit.

Lead daily meetings to keep employees informed of all promotions and products.

Set specific goals for store performance.

Managed inventory ordered and transferred product to other facilities.

January 1993 January 1995 Tom Benson Chevrolet, SA, TX

Sales Associate

Greeted customers and discussed buying options.

Processed applications and pulled credit reports for review and determining credit rating.

Ensured customer satisfaction with outstanding follow up.

February 1989 December 1992 Path Labs, SA, TX

Logistics Supervisor

Carefully prepared paperwork, legible handwriting essential to proper identification of specimen and appropriate processing.

Directed, planned, and scheduled all incoming and outgoing routes to obtain efficient customer coverage using dispatching and routing software.

Made deliveries and properly stored specimen at each location while also assisting clients by answering any questions.

December 1986 January 1989 Buffalo Run Bar & Grill, Giddings, TX

Supervisor

Stocking, payroll, hiring, sales, bank deposits, customer service and inventory

March 1983 November 1986 Bexar County Sheriff Department, SA, TX

Peace Officer

Maintained peace and lawfulness with Ethics, Human Relations, Cultural Awareness and Civil Rights.

Followed Booking Procedures and processed admissions documents timely and accurately.

Educated in the US and Texas Constitutions and Bill of Rights as well as all elements of the criminal justice system.

March 1978 February 1983 United States Army

Automated Logistical Specialist

Supervised and performed management or stock record/warehouse functions pertaining to receipt, storage, distribution and issue.

Maintained equipment records and parts

Duties for MOS92A.

Educated in the US and Texas Constitutions and Bill of Rights as well

Education 2007 University of Phoenix

High School

Graduated summa cum laude.

General college courses and continued education specifically in Business Communications, Psychology, Sociology, and Criminal Justice

Qualifications Bilingual, also fluent in Italian. Microsoft Office, Windows, Internet Explorer, Megasys Accounting Software, Telephone (multi line), Communication, and Customer Service.

Contact this candidate