D.A. Miranda Email & Phone Number

Plano, Tx

• Mitigate Losses on Harley-Davidson accounts in all collections stages from current accounts to charged off loans with a primary focus on active and discharged bankruptcy accounts. Other type of accounts managed include Replevin, Insurance Claim or Deceased customer accounts that often required deviation from routine processes and procedures with a primary goal of account resolution. •I demonstrate the Harley-Davidson valued behaviors and interests on a daily basis while interacting with riders and developing excellent relationships with current and previous customers to maintain brand loyalty and continuous business.• I communicate daily and directly with attorneys and paralegals regarding bankruptcy cases and coordinate recovery efforts or collateral surrender while continuing collection efforts and seeking deficiency balances when allowed by law.• Regularly Monitor, update and review new and existing bankruptcy filings to determine how these affect our collateral in the recovery efforts while ensuring legal compliance. I maintain awareness and understanding of relevant laws, regulations, internal policies and procedures to ensure compliance on all of them.•Negotiate, review and approve settlement offers on charged off accounts and make financial decisions based on the best interest of Harley-Davidson Financial Services, Inc., our customers and our investors.•Maintain current awareness and understanding of appropriate banking laws, regulations, internal policies and procedures, and to comply with those laws, regulations, policies and procedures.

Lewisville, Texas

• Worked with clients to obtain necessary documentation (application documents, financial statements,tax forms, etc.) to ensure a timely decision regarding their loan modification application.• Responsible for a primarily Spanish queue.• Responded to clients, attorneys, and underwriters effectively and in a timely manner, including follow- upcalls and written correspondence.• Responsible for creating and updating Power Point presentations utilized during weekly meetings.• Evenly distributed absent teammates’ workload among those present to ensure department goals weremet on a daily basis.• Monitored customer adherence to and completion of trial payment plans.• Kept clients up-to-date on the status of their application, communicated decisions and explained otheralternatives such as non-retention and liquidation options.

Coppell, Texas

• As an Asset Recovery Specialist I performed inbound and outbound calls in a fast paced, goal oriented collections department. During my employment at JP Morgan Chase I exceeded the monthly goals every month • Provided customer service regarding collection issues, processed and reviewed account adjustments, resolved client discrepancies and short/incomplete payments. Also responsible for monitoring and maintaining special accounts assigned by management, borrower correspondence, account adjustments, small balance write off, credit bureau reporting and reviewing borrower documentation to determine income and repayment ability, assess borrower hardship, analyze housing expenses and determine proper loan resolution and recommend foreclosure prevention alternative to the borrowers to ensure all investor/insurer guidelines are followed.• Expedited and negotiated short sales, lien and title releases. Established and maintained effective and cooperative working relationships with real estate agents, attorneys and debt settling agencies to maximize collection efforts and expedite short sales as well as assisted attorneys and real estate agents in short sales.• Performed other assigned tasks and duties necessary to support the collections department, enlisted the efforts of senior management when necessary to accelerate the collection process, and was accountable for reducing delinquency for assigned accounts by developing payment plans and mailing out payment plan agreement letters and correspondence.

Lewisville, Texas

• Contacted customers via inbound and outbound calls in a fast-paced, goal-oriented collectionsdepartment and evaluated their financial ability to make payments.• Formalized repayment arrangements, including but not limited to verifying delinquency, formulatingterms of repayment, drafting repayment agreements and ensuring critical documents are completed thoroughly

Previously Vericrest Financial - Dallas, Tx

Responsibilities:• Revision and approval of all client and legal correspondence, evaluated financial reporting systems, collection procedures, and make recommendations for changes.• Monitored live calls, performed account reviews and provided feedback, managed resources and schedules. Developed and maintained employee performance metrics.• Developed and conducted orientation sessions and arranged on-the-job training for new hires, coached and updated staff on changes in policies and procedures. • Directed the hiring, training, and performance evaluations of collections specialists and supervised their daily activities.• Reviewed and coordinated performance incentives with the management team • Exceeded monthly goals every month and was top performer of the collections department in 10different occasions which ended in over $950K collected during tenure.

• As a Loan Modification Specialist I directly corresponded with Investors, borrowers, title companies, foreclosure technicians and attorneys in order to facilitate delinquency resolution and avoid foreclosure through loan modifications and collection efforts.• Prepared documents on modifications typically involving a reduction in the principal balance, interest rate, or an extension of the terms. In most cases, the modifications involved securing a different type of loan or any combination of the three. The loan modification process required thorough organizational and negotiating skills with Investors, which was essential to achieving departmental goals and expectations.• Compiled and analyzed financial information, preparation of modification agreements, documentation and maintenance. Also answered inbound calls from borrowers and attorneys on delinquent accounts in foreclosure or loss mitigation and discussed available workout options including but not limited to: Government programs, Local and State programs and Investor only options.• Performed account reviews and audits to ensure compliance with internal control requirements, investor and PMI requirements with regard to workout negotiations and approvals on accounts in foreclosure and loss mitigation, provided feedback to staff, management and investors.• Provided coaching and training, answered questions concerning the modification process, investor delegation guidelines and procedures for new hires or other team members on a regular basis. Also conducted performance and portfolio organization reviews on other associates while making recommendations to increase productivity and achieve departmental goals.

• Conceptualized and produced award submission for the NAHB’s 2008 Best of 50+ Housing Competition in the category “Multifamily Housing: On the Boards” , achieving a Silver Award in this category (out of 48 entries)• Participated in several entries for various competitions and marketing brochures, specializing in the visualization of marketing units and floor plans using Adobe Illustrator and InDesign.• Under the supervision of a registered architect, assisted in design development drawings, develop base sheets and construction details for multi-housing and senior living projects.• Created presentation boards, material boards and Schematic Design sets for clients covering various projects, from Urban Planning to Architecture• Prepared site studies, site and environmental impacts of building, building locations options on the site, restrictions and natural conditions, density studies, etc.

Master Of Architecture (M.Arch.), Architecture

Activities and Societies: Beta Theta Pi Fraternity

Education record

Activities and Societies: Phi Theta Kappa Honor Society

Bachelor’S Degree, Architecture

Certificate, Project Management

Received professional training in project management during a 12 week program designed by the University of Texas at San Antonio.