Help people and show them better path to financial freedom from debt

2nd in production during my employment in concierge department

Manage pipeline of clients and help work along side loan consultants to nurture and further along customers thorough sales cycle from inbound warm leads. Consult and negotiate pricing with customers and help advise on purchase mortgage process thorough phone, email and texts. Partner with sales and other internal teams to develop strategic sales plans and ensure KPI's are met. Educate and build relationships with customers about the home buying process, mortgage terms, rate inquiries and documentation collection. Record notes and analyze needs of customers through proprietary CRM. Analyze Client's income, assets, and credits to ensure underwriting guidelines are met. Significant experience using Jira/Confluence, Okta, Workday, Twilio, Google Suit, Slack and Zoom.

Charged with educating borrowers on Home Retention alternatives with the objective of retaining home ownership and avoiding foreclosure, including loan modifications, partial claims, forbearances/repayment plans and reinstatements. • Responsible for inbound calls as well as internal transfers to determine borrower intent to retain property, discuss foreclosure alternatives, provide eligibility criteria/information and send hardship packages for completion. • Responsible for outbound calls on all assigned loans in pipeline to follow up on outstanding items, communicate status of application, as well as approval and/or denial of request, and handle general questions regarding account information. • Responsible for establishing trial plans, forbearance plan and repayment plans as needed for eligible borrowers within the system of record maintaining consistent contact with borrowers to ensure all trial plan payments are met.• Communicated the options available to the borrower for resolving the delinquency or imminent default. • Advised borrowers on current status in the delinquency or imminent default resolution process, including any home retention or non-foreclosure liquidation options. • Responsible for assisting borrowers who request to escalate a complaint or dispute a reason for non-approval. Advised borrowers on current status in the delinquency or imminent default resolution process, including any home retention or non-foreclosure liquidation options.

Lead and conducted skip tracing and other strategies to successfully locate customer assets and missing vehicles. Followed up with all legal actions and garnishments with accordance with the Sheriff's Office as well as employers to ensure proper protocols and actions were properly being taken. Submitted and audited all paperwork and evidence to streamline all communication to law enforcement and court needs. Built a foundation on sub-prime charge off automotive loans on pre-legal elements. Communicated with upper management on next step strategies and audit findings to close in on any growing opportunities.

Assisted borrowers and clients in repaying debt by conducting interviews to assess members’ financial situations and circumstances. Negotiated tailored payment plans to satisfy their obligations to investors and those effected. Coached team members to implement and to stay with proposed solutions to resolve delinquency stages and bring accounts current to satisfy debt. Managed inbound and outbound calls to effectively remedy charge-off account debts and performed advanced skip tracing on higher risk files.

Collected and resolved revenue cases due to San Francisco General Hospital and the San Francisco Fire Department. Constructed repayment schedules and maintained collection records according to city and law operations. Meticulously negotiated medical liens with personal injury attorneys to close out needed problematic cases. Processed court filings for medical liens, lawsuits, post-judgment matters and abstracts on judgment accounts.

Build a formulated pipeline of legal and non-legal revenue, ensuring a consistent flow of client and customer communication. Skillfully managed a portfolio of more than +600 accounts ranging from $3.5 million to $5 million in annual sales revenue. Rapidly excelled within company by effectively assisting customers in financial planning to exhaust all financial resources and pay sub-prime, charged-off auto loans.• Received “Department of the Month” award and “Employee of the Month.”