Develop and maintain policies, procedures and job aids regarding Loss Mitigation efforts while also providing training to team on related material. Perform a complete review of loss mitigation applications and making loan decisions based on regulatory and investor guidelines utilizing information and documentation provided in the loan file. Provide job level coaching and training to current and new staff members. Manage portfolio of files throughout the entire Loss Mitigation process. Communicate decisions to all parties and build relationships with both internal and external partners. Maintain knowledge of regulatory requirements, investor/insurer guidelines and other relevant timeframes throughout the Loss Mitigation process. Drive process efficiencies and improvements. Help inform product development and enhancements by synthesizing and delivering servicing process/platform feedback to senior leadership.

Offering financial services solutions designed primarily for the auto dealer community, providing financing and related services to both dealers and consumers nationwide. Senior level role responsible for providing quality customer experience while working to collect and negotiate terms of repayment on non-routine complex/specialized outstanding account balances. Works in a professional, customer-centric, and high volume environment; taking inbound calls; making outbound calls utilizing an autodialer or direct dial system to initiate customer contact and determine reason for delinquency and to obtain payment commitment. Provides exceptional service while being empathetic when evaluating unique customers situation to provide relevant solutions. Makes decisions about acceptance/return of partial payments. Mitigates risk by adhering to all policies and procedures, as well as local, state and federal regulations. Handles most complex escalated collection inquiries and issues. Assist with compiling statistical reports and other special projects.

Use manual and automated calling strategies to locate and contact delinquent homeowners; analyze their financial information and identify their issues; and set up customized payment solutions that cure their delinquencies and satisfy the business objectives of our clients and our company.Handle multiple mortgage products that are 60+ days delinquent, as governed by investor, departmental, and legal guidelines.Maintain updated loan files to ensure a comprehensive record of every homeowners account activity.Help prevent foreclosure through various loss mitigation options (e.g. modification, forbearance, etc.).Contact homeowners by mail or phone; increase contact frequency as delinquency increases. Work with property inspectors, appraisers, real estate agents, etc.; arrange inspection or evaluation services. Review and negotiate liens and judgments to help clear the title and protect the homeowner and investor. Review homeowner financial records (e.g. statements, tax returns, credit reports, etc.) to determine the best loss mitigation solution for them. Answer homeowner questions; provide quick and thorough responses to escalated homeowner issues. Achieve departmental and corporate performance goals. Ensure all legal requirements are met before a foreclosure sale. Follow all company policies and procedures.

TEQlease Education Finance (TEF) specializes in providing equipment lease financing for schools across the country. We finance most school-related equipment such as IT devices/infrastructure, school furniture, vans/buses and more.Since 2000, TEQlease Capital provides equipment financing solutions for businesses and educational institutions, and also offers equipment vendor finance programs across all industries. We focus on service.This includes the equipment acquisition process and working with your vendors, closing and documentation, administration and billing, and equipment return and auditing. We make sure to take care of the details and to communicate with you at all stages in the process. We try to anticipate your needs. And, we try to build a leasing relationship to last.

Managed commercial and legal teams in a high production, deadline driven, and accuracy intensive environment. Facilitated connection to vast network of attorneys, relayed updates to clients and attorneys to ensure a clear understanding was provided throughout the process from start to finish. Monitored suit processes to ensure timely production. Took any necessary steps to achieve collection whether it be hiring a private investigator, levy or garnishment of debtor’s funds. Ensured that all deadlines were met within the legal process to ensure timely collection. Collected on behalf of U.S. Department of Education and Polizia di Stato (National Police Force of Italy), while complying with federal, state and international laws regarding debt collection practices. Conducted training sessions covering specified areas such as on-the-job training, use of computers and software, interpersonal skills, quality & process issues, and product knowledge.

Developed profound knowledge of Fair Debt Collection Practices Act (FDCPA) and became proficient with commonly used collection practices and procedures. Performed all audit activities and prepare all corrective plans for collection procedure and supervise all processes and ensure compliance to all deadlines. Maintained appropriate and comprehensive records of all customer discussions. Played a pivotal role in providing excellent service and maintaining the company's relationships with clients.

Responsible for responding to collection and customer service inbound calls, as well as making outbound follow-up calls to collections and customer service clients. Present information and answer questions regarding the Making Homes Affordable (MHA) Program. Ensure that callers receive timely, courteous and high quality customer service. Serve as the prospect’s advocate and advisor, by guiding them through the educational and pre- MHA program. Follow up with prospects that miss appointments, after the scheduled date and reschedule as appropriate. Passed all quality controls, while maintaining the highest numbers within the department.

Worked with processors and loan officers with processing and underwriting of mortgage loans by analyzing income, credit and property information to made determinations of loan acceptability according to lender guidelines. Prepared detailed analysis of loan package(s) to determine if the potential borrower presented an appropriate level of risk.Managed a portfolio of 70-100 loans for homeowner’s who have complex problems relating to Home Retention that have been escalated on the Executive level or with the OCC. Completed full review to complete modification agreements between Bank of America and investors. Worked Net Present Value charts to determine debt to income ratios to qualify loans for the Making Homes affordable Program (HAMP). Advised customers of complex modification agreement in detail.

Managing a portfolio of over 1000 loans for homeowner’s who are in foreclosure. Varies from Preparing loans for sale, monitoring the foreclosure process, adjourning or canceling Sales as required, creating bidding instructions and calculating bid amounts for the attorney’s on final foreclose auction and also performing other work.