Josh Cisneros Email and Phone Number

o Director over Full Balance Charge Off, Deficiency Collections, Collection Vendor, and Specialty Stateo Responsible for creating/ updating policies and procedures for the Third-Party vendorso Actively participates in management, leadership, and development of Vendor Management staff.o Define, Measure, Analyze, Improve and Control processes in areas of responsibility.o Leads and facilitates periodic business reviews with vendor executives

Responsible for performing more complex analysis and modeling for multiple products with the goal of maximizing profits and asset growth and minimizing risk and operating losses and/or other financial and marketing exposures. Develop complex program models to extract data and uses multiple databases to acquire statistical and financial data. Participates in the rollout of company-wide pilot programs developed as a result of programmed models

Provide analytical support in executing internal control discipline and operational excellence within a Loss Mitigation. Gather and organize data in order to monitor and test the effectiveness of key controls and status of mitigation and action plans. Prepare documentation for the tracking, monitoring, and escalation of risk related issues to management.

Supporting a portfolio of loans in default, imminent default loans with a focus on loan modifications, document validation, as well as identifying solutions that will improve the account in a timely manner. Managing 4-6 team managers supporting associates in a high-volume, deadline and production-driven environment

Worked for the Department of Treasury, responsible to audit and review Home Loan Modification Underwriter Decision to identify areas of opportunity for improvement. Assigned to a Default Service Complaint Resolution (DSCR) work steam to assist all current investors and workout types.

Identified trends, assisted team managers in coaching associates in areas of opportunities, and implemented consistency throughout the site while changing associate behaviors to improve customer response and maintain a positive customer experience.

Reviewed, analyzed, and determined customer credit worthiness and ability to fulfill loan obligations.Top 5 producer last 2 months (only in dept for 7)Most approvals for the month of June 2008Out performed monthly stretch goals by 27%

Supervised employee production, quality, and maintain team, departmental, and company goals through individual evolution and mentoring.Led top performing team 6 consecutive monthsImplemented new procedures to track production more efficiently and accurately Conducted dept monthly meetingsSr. Funder/ Funder Dec ’04-Aug ‘06Reviewed, processed, and verified accuracy of documents received from consumers. Calculated income, loan to value, payments and debt to income for sub-prime auto loans.Won top performer 4 timesStayed in top 5 performers consistentlyIncreased efficiency document review by reviewing and implementing new policy and procedures

Converted, tracked and procured outstanding titles for both back end titles for autos to be sold at auto actions, and front end titles to ensure proper lien was placed on vehicle title, while working with dealers, auto auctions, consumers, and DMVsReduced outstanding repo titles from a daily avg of 1000 to an avg of 500 within 6 monthsSelected to be part of a team to work on procuring long term outstanding titlesImplemented new procedures for obtaining outstanding repo titles in a more efficient manner

Assisted customer in obtaining specified account information, such as payoffs and processing payments, through inbound calls, email, and live online chats. Maintained near perfect customer call qualityLead in most calls taken and shortest call times in 4 consecutive monthsPart of a team to launch, evaluate, and adjust procedures for online chats and customer email