Alejandra Tinoco
Denver,CO
Summary
Versatile and diligent financial services professional with a proven record of accomplishment in mortgage loan closing, billing and collections, and loan servicing, specializing in remote operational efficiency and client satisfaction. Presents an elevated level of accuracy and compliance within regulated environments, consistently adhering standards across high-value transactions and customer accounts. Dedicated to representing any company within its mission and vision statement.
Overview
13
13
years of professional experience
Work History
Loan Servicing Specialist III
CoBank ABC
08.2024 - Current
- As a Loan Servicing Specialist III, I expertly manage a complex portfolio of loan accounts and ensuring correct processing, compliance and client satisfaction in line with organizational standards.
- Complete UCC filings within regulatory guidelines and takes appropriate steps to manage recordable legal documents with title companies, state and local jurisdictions.
- Demonstrate advanced proficiency with loan management systems performing thorough reviews, processing adjustments with precision, resulting in a 30% reduction in error rate on account updates.
- Processes payment application, funds disbursement, and rate setting transactions in salesforce and notify syndicate members and sold participations of transactions.
- Book new borrowers, credit facilities, loans, letters of credit and fees in loan administration systems.
Performs booking functions to active lease contracts in the lease accounting system. - Provide exemplary client support across multiple channels, using CRM tools like Salesforce to track and manage customer inquiries related to payment processing and account status.
- Maintain a 95% customer satisfaction score through proactive communication and issue resolution.
Billing & Collections Specialist
Xactly Corporation
09.2022 - 08.2024
- Performed as a Billing and Collections Specialist, overseeing the full cycle of account management with precision to enhance revenue collection and retain financial health for the organization.
- Harnessed complex billing software, such as workday, D360 and momentous to issue, track, and reconcile invoices, ensuring accuracy across multiple client accounts and leading to a 25% increase in on-time payments.
- Formulated and implemented proactive collection strategies that reduced overdue accounts by 40%,
- Utilize workday and salesforce to generate and issued accurate invoices to clients based on contractual terms.
- Accurately processed and reconciled high volumes of transactions utilizing accounting software to apply payments, resolve discrepancies, and maintain accurate financial records.
- Onboarded new accounts, set up in WorkDay and Sales force to record and input accurate billing data.
- Optimized the use of ERP systems for more efficient cash application management.
- Applied cash and wires to corresponding customer accounts based on remittance details provided by customers.
Mortgage Loan Closer & Funder
Guaranteed Rate, Inc.
05.2020 - 02.2022
- As a Mortgage Loan Closer and Funder, meticulously oversaw the end-to-end process of mortgage closing and funding, ensuring accuracy and compliance across high-value transactions.
- Applied expertise in the loan origination system Encompass to build loan packages, verify documentation, and prepare closing disclosures in strict accordance with TRID and RESPA regulations, keeping a 100% compliance rate during audits.
- Leveraged tools like DocMagic and Adobe Acrobat to streamline document preparation, resulting in a 30% reduction in processing time and enhancing client satisfaction through prompt closings.
- Coordinated with underwriters, title agents, and escrow officers to resolve outstanding conditions, confirm wire instructions, and ensure funds were released efficiently.
- Showcased strong analytical abilities to generate reports on closing and funding trends, providing insights that supported data-driven improvements in department operations.
Recovery Specialist
Alliance Data Card Services
04.2018 - 12.2020
- Handled 80+ daily inbound and outbound collections calls manually and through AutoDialer, utilized various skip tracing techniques and strategies through Transunion to find alternative contact methods and formulate action plans for recovering outstanding payments.
- Negotiated payment arrangements with customers, resulting in increased revenue and reduced delinquencies.
- Maintained detailed documentation on all case activities, ensuring compliance with industry regulations and company policies.
- Utilized strong negotiation skills to persuade debtors toward mutually beneficial payment plans or settlements, avoiding costly litigation when possible.
- Demonstrated expertise in various collections tools, software applications, and reporting systems for maximum productivity.
Mortgage Loan Closer & Funder
Urban Lending Solutions
08.2014 - 04.2018
- Evaluated borrower creditworthiness through thorough analysis of financial documents before initiating closing process.
- Coordinated post-closing activities such as disbursement of funds, recording deeds, and delivering final documentation to borrowers.
- Managed a high volume of loans simultaneously, prioritizing tasks efficiently to meet deadlines consistently.
- Reduced errors in loan documents through meticulous review and verification procedures.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Office Manager & Accounting Specialist
In Charge Construction, Inc.
04.2012 - 07.2014
- Maintained accurate financial records by reconciling accounts payable/receivable transactions regularly to ensure balanced budgets.
- Provided comprehensive administrative support to senior management, enabling them to focus on strategic decision-making.
- Managed scheduling and coordination of all office meetings to ensure smooth operations and minimal conflicts.
- Verified and submitted timekeeping information for accurate and efficient payroll processing.
- Managed payroll data entry and processing for 25 employees to comply with predetermined company guidelines.
- Prepared and mailed invoices to customers, processed payments, and documented account updates.
- Submitted cash and check deposits and generated cash receipts to record money received.
- Reviewed vendor invoices for appropriate documentation and validity prior to payment.
- Prepared vendor invoices and processed incoming payments.
- Assisted in month-end closing procedures, ensuring all invoices were processed on time to reflect accurate financial statements.
Education
Financial Accounting Fundamentals - Accounting
University of Virginia
Charlottesville, VA12.2023
Microsoft Excel Certificate - Excel Skills for Business Essentials -
Macquarie University
San Francisco, CA11.2022
Accounting Certificate - Accounting
Cornell University
Ithaca, NY06.2022
Public Notary Certification -
State of Colorado
Denver, CO04.2014
GED -
The Learning Source
Lakewood10.2013
Skills
- Invoicing and Billing
- Credit analysis
- Collections management
- Teamwork
- Reconciliation
- Data Analysis
- Customer Relations
- Problem Solving
Websites
Languages
Spanish
Native or Bilingual
Timeline
Loan Servicing Specialist III
CoBank ABC
08.2024 - Current
Billing & Collections Specialist
Xactly Corporation
09.2022 - 08.2024
Mortgage Loan Closer & Funder
Guaranteed Rate, Inc.
05.2020 - 02.2022
Recovery Specialist
Alliance Data Card Services
04.2018 - 12.2020
Mortgage Loan Closer & Funder
Urban Lending Solutions
08.2014 - 04.2018
Office Manager & Accounting Specialist
In Charge Construction, Inc.
04.2012 - 07.2014
Financial Accounting Fundamentals - Accounting
University of Virginia
Microsoft Excel Certificate - Excel Skills for Business Essentials -
Macquarie University
Accounting Certificate - Accounting
Cornell University
Public Notary Certification -
State of Colorado
GED -
The Learning Source
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