Jose Guzman Email & Phone Number

Elgin, IL, US

Gurnee, Illinois, United States

• Work both strategically and tactically to enable and support the delivery of business objectives and key strategic initiatives related to all loss mitigation and collection activities.
• Drive automation of processes and optimization of applications/third-party vendors to reduce member friction and lower operating costs through improved efficiencies with a focus on scaling to meet the needs of the.
• Monitor regulatory and legal environments to ensure business unit remains compliant.
• Ensure proper reporting is developed to allow executive team to monitor risk appropriately.
• Optimize processes to improve operational efficiencies through the use of automation.
• Maximize value of data for making management decisions while ensuring necessary reporting is developed using the BI platform to support people and process management while identifying areas of concern to provide.

Elgin, Illinois, United States

Elgin, Illinois, United States

• Oversee Fraud and Collections operations and monitor member activity to prevent fraud losses.
• Prevented $471K in potential losses in 1 year by developing full fraud prevention infrastructure.
• Helped loss mitigation group hit delinquency goal / incentive for 13 consecutive months by devising collection strategies that placed emphasis on secured accounts and stressing importance on proactively contacting.
• Developed 1st payment default report, initiating core system feature that automatically transferred funds from checking / savings accounts when loan / Visa was delinquent, raising red flag for potential fraud.
• Identified issue of aging delinquent accounts 200+ days past due, recommending increase in charge offs each month and proactively charged off accounts at 180-day delinquent mark which resulted in more accurate.
• Prevented ~$200K in losses after developing fraud prevention procedures that helped combat friendly fraud, including having Accounting Clerk reveal any “card-present” transactions being disputed for review as well as.

Chicago, Illinois, United States

• Oversaw and directed policies, procedures, and systems that worked to prevent loss of assets and determined risk exposure or potential liability and developed risk control measures.
• Reduced lending portfolio delinquency by maintaining efficient queue strategies, including keeping processes in place when serving as interim department manager, creating relationships with loan servicing group and IT.
• Created assistance program worksheet to determine member eligibility and compliance, preventing misinformation of eligibility which had regularly resulted in escalated calls.

Burr Ridge, Illinois, United States

• Analyzed and pursued prompt collection of delinquent mortgages and counseled and negotiated alternate payment options by performing risk analysis of accounts.
• Oversaw delinquent mortgage portfolio during historic recession by decreasing losses through market analysis and leveraging brokers in area to provide detailed BPOs, managing $17-$20M portfolio and monthly loan.

Elmhurst, Illinois, United States

• Oversaw mortgage portfolio that ranged from $20-25M in delinquent balances.
• Generated more efficient resolution of delinquent accounts through guiding mortgage deferment process after developing strong relationship with servicing group.
• Developed worksheet to ensure customers were eligible for mortgage deferment which allowed loss mitigation specialists tool to see if customer was eligible before offering deferment.

Master Of Science - Ms, Project Management

Finance

Bachelor Of Arts - Ba, History