Loss Mitigation & Collections Manager
Resume:
WORK HISTORY
January **** – Present Trilogy Capital Management, LLC
***** ********* ** *** *** Poway, CA 92064
Positions: Collections & Loss Mitigation Unit Manager (October 2006 – Present)
Account Representative (January 2006- October 2006)
Loss Mitigation Unit
• Home Retention Unit Manager
• Manage Production Floor of 40 to 50 Loss Mitigation reps and 4 Supervisors in a Call Center environment
• Interview and hire Loss Mitigation reps for high volume campaigns
• Daily Interaction (liaison) with Clients
• Responsible for organization’s production goals and continual review of production strategies to ensure goals are met and clients are satisfied.
• Set up training manuals and training classes for new hires
• Coordinate with Bank (client) potential workouts for borrowers.
• Manage Contact Management piece on Short Sale and Note Modification Campaigns
• Evaluation of possible Loan Modification, Repayment Plans, Short Sale, Deed in Lieu options
• Evaluate approximate DTI and LTV to qualify borrowers into appropriate plan.
• Report directly to President/CEO
• Project Manager for Contact Management Campaigns;
1. Bank of America/ Countrywide (pre approved Loan Modifications)
2. Washington Mutual/ Fannie Mae (Short Sale, Asset Management Campaigns)
3. Fannie Mae & Freddie Mac – Making Home Affordable campaign (www.makinghomeaffordable.org) different servicers
Collections Unit
• Monitor and supervise Collections operations
1. Auto Deficiency Portfolio
2. Charged off Credit Card Receivables
• Review and track performances of several portfolios
• Create and run dialer campaigns.
• Review and track performances of portfolios outsourced to Agencies & Law Firms
• Training and FDCPA compliance at all times.
• Escalation Calls
• Conduct employee reviews, new hire interviews, and handle employee concerns and issues as they arise.
• Credit Bureaus Reporting (Issues, discrepancies, complaints)
Account Representative - January 2006 – October 2006
• Auto Deficiency Portfolio
• Dismissed Bankruptcy Portfolios
• Review of Bankruptcy schedules for assets and employment verification
• Direct negotiation with consumers about their outstanding accounts
• Communication with insurance companies about policies on outstanding auto loans, title and lien releases.
• Communication with Mortgage companies as customers intend to refinance properties
• Analysis of credit reports
• 2006 Collections: 1) Total $ 316,694.46 2) Average: $26,391 per month
• Top Month: February 2006: Gross Collections $50,689
• Due to production & leadership skills, promoted to Unit Manager in October 2006
June 2005 – December 2005 CIR Law Firm
8665 Gibbs Drive Ste #150 San Diego, CA
Position: Legal Assistant/ Collections
• Working with clients to recover funds from unsecured debt
• Negotiating and follow-up on payment arrangements
• Assist attorney with documentation before and after the litigation process
• Report satisfactorily to the clients and Attorneys
• Handling and preparation of law suits
• Adhering to legal standards & FDCPA procedures
• Analysis of credit reports
• Respond to escrow demands
• Clients: GE Capital, Waste Management
August 2004 – May 2005 OEM Manufacturing and Sales LLC
969 Buenos Avenue, San Diego, CA 92110
Position: Account Coordinator
• Ensuring timely delivery of orders from suppliers in Asia to domestic and foreign customers
• Analyzed best selling and purchasing situations for the company and customer
• Clients: Mattel, Hitachi
March 2002- June 2004 Convergys Corporation
3701 W. Loop 289, Lubbock, TX 79407
Position: Bilingual Customer Service / Escalation Representative
• Bi-lingual customer service representative for AT&T Wireless
• Handled escalated calls on a regular basis, Escalations team.
• Customer account maintenance, troubleshooting, sales of new products/services, problem solving.
• Employee of the month – December 2003
Education
August 2007- December 2009 San Diego State University
San Diego, CA
• Bachelors: Political Science
• 3.5 GPA
• Dean’s List Fall 2008
Volunteered for Sherri Lightner Campaign for City Council District 1 in November 2008 election
January 2006-June 2007 Mesa College
San Diego, CA
Prep for Major: Political Science
January 2002-May 2004 South Plains College
Levelland, TX
Associates Degree- Liberal Arts; May of 2004.
August 1999 – December 2001 Sunset International Bible Institute
Lubbock TX
Youth Minister Apprentice – Lisbon Portugal
Classes and trainings:
The Art of Persuasion. Technique for Top Collectors. ACA International. The Association of Credit and Collection Professionals (June 07)
Hiring and Managing Employees. Score. Counselors to America's Small Business References. (February 09)
References
Carlos G. Arauz, Director – Human Resources - County of San Diego
1600 Pacific Hwy., Suite 207
San Diego, CA 92131
619-***-**** ******.*****@********.**.***
Ismael Robles, M & M Financial Services LLC,
President
619-***-**** ************@***.***
Efren Limbag, CIR Law Offices, Associate Attorney at Law
8031 Linda Vista Rd
San Diego, CA 92111
Jim Bender, Roosevelt Drive Church of Christ, Minister
202 Magen Court
Richlands, NC 28574
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