Alicia Scoby-Wilcox

Work History

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10.2023 - 04.2024

Quantified debtor balances to avoid late payments and bad credit.
Used probing techniques to determine debtors' reasons for delinquency.
Contacted customers to discuss past-due accounts and negotiated payment plans.
Streamlined the collections process for increased success rates and improved customer relations.
Achieved performance goals on consistent basis.
Counseled debtors on payment options and arranged installment agreements.
Established relationships with customers to encourage payment of delinquent accounts.

Ditech Mortgage

12.2017 - 07.2018

Participated in cross-functional teams to develop comprehensive strategies for minimizing financial losses across the organization.
Conducted thorough reviews of loan modification applications, ensuring accuracy and completeness before submission for approval.
Streamlined processes for loss mitigation activities, increasing efficiency within the department.
Collaborated with loan servicing departments to ensure accurate processing of loan modifications and repayment plans.
Helped customers navigate options to maintain homeownership.
Improved customer relations for better communication and understanding of loss mitigation options.
Prepare modification agreements and coordinate closings
Review, analyze and resolve title issues
Complete quality control of underwriting decisions
Assist with special projects as neede

Bank Of America

06.2015 - 10.2017

Accurately assembling and/or indexing documents that have been faxed into the FileNET imaging system; Monitoring and reviewing documentation requirements for appraisals, title and hazard/flood insurance reports
Following up on missing or late vendor items
Reviewing approved applications for documentation requirements and preparing various closing documents.

Cascade Financial Services

11.2014 - 06.2015

Consulted with outside vendors to identify and resolve loan closing issues.
Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
Conducted extensive borrower background checks, verifying employment history, creditworthiness, and financial stability for informed lending decisions.
Assisting Senior Loan Processors in gathering and organizing information for the loan file •
Make timely follow up calls to quickly compile accurate file information
Ensure the accuracy and completeness of all borrower loan documentation necessary for loan approval and closing.
Streamlined loan application process by implementing efficient documentation and data entry procedures.
Utilized loan origination software to process and track loan applications.
Set up and completed loan submission packages.
Handled any conditions sent from underwriting departments.

Wells Fargo

01.2012 - 01.2014

Ensure borrower understands modification review and SPOC process, interview borrowers to understand their hardship, collect/review/analyze borrower financial documents, adhere to tight deadlines, and communicate modification status and final decision of the process to the borrower
Applications/Systems used: ERLMF, MSP/LPS, LIV, SPOC-CIS, ADHDGEN, Microsoft Suite.

Wells Fargo

05.2006 - 01.2012

Strengthened team collaboration through regular communication, sharing best practices, and providing support during high-stress situations.
Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
Maintained consistently high success rate of collecting on overdue accounts.
Interpreted and applied federal and state tax codes for personal, business and corporate taxes.
Contact customers via telephone to negotiate payments or collect on past due accounts
Document conversation with customers
Assist customers with questions concerning their accounts.