Alisa Hernandez
Little Elm,TX
Summary
Dependable Collections Specialist successful at meeting high productivity, quality and performance standards. Efficient and competent professional.
Overview
12
12
years of professional experience
Work History
Collections Specialist
Flagship Credit Acceptance
11.2022 - Current
- Take actions to encourage timely debt payments
- Established relationships with customers to encourage payment of delinquent accounts.
- Processed debtor payments and updated accounts to reflect new balance.
- Update account status records and collection efforts
- Report on collection activity and accounts receivable status
- Researched accounts and completed due diligence to resolve collection problems.
- Processed payments and applied to customer balances.
- Maintained high volume of 150+ calls and met demands of busy and productive group.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
Closing Specialist
Closing USA
09.2021 - 10.2022
- Assist funders by inputting the incoming and outgoing wires from Cash Pro
- Audit returned closing packages for errors and follow up on errors through notary
- Monitor files that have already closed
- Send documents to recording department that were not signed and/or incorrect at closing and monitor their proper return
- Verify all documents are correct and ready to record
- Input and approve incoming and outgoing wires ex: Payoffs, borrowers funds etc
- Interpreted borrower's assets and income to satisfy loan conditions and requirements.
- Audited variety of critical financial documents for completeness and accuracy, noting and resolving deficiencies and errors.
- Reviewed funding packages by calculating fees and arranging for disbursement of loan funds.
- Consulted with clients to recognize needs and provide tailored solutions.
- Utilized CashPro to create memos and invoices for title companies and closing attorneys.
Mortgage Funder
The Federal Savings Bank
08.2020 - 06.2021
- Experience in Closing and Funding: VA, Conventional, FHA and Purchase Mortgage Loans as well as Texas Cash-out loans
- Job process: Receiving closing packages from the title companies, review and send for corrections, run compliance, balance numbers on the TRID/LPC calculator, double check FEMA in case any disaster cert and/or appraisal is needed
- Send the Final CD to the title company with funding authorization
- Manage Funding Queue
- Reviews all loan documents for completion and compliance with lender-specific guidelines and conditions
- Review Post Closing issues if related to funding
- Average loans closed a month: 100-150
- Funded loans for all 50 states
- Balances figures with Closing Disclosure and Loan Estimate
- Checked loan documents for accuracy prior to closing.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
AR Manager/Assistant Escrow Officer
Hawaiian Properties, Ltd
01.2019 - 04.2020
- Protects organization's value by keeping information confidential
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Accomplished multiple tasks within established timeframes.
- Cross-trained existing employees to maximize team agility and performance.
- Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty.
- Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
- Examined purchase and sale agreement for potential items of concern and addressed immediately.
- Followed-up on status of releases, policies, and return of recorded documents.
- Used accounting software to reconcile accounts, track income, and generate invoices.
- Responded to inbound inquiries regarding accounts and payments.
Collections/ Auto Loan Servicing Specialist
Confident Financial Solutions
06.2016 - 12.2018
- Knowledgeable of various loan procedures and processes
- FDCPA, GLBA compliance
- Exceptional ability to achieve all objectives within required deadline
- Interpret all loan agreements for clients
- Provide optimal level of customer services
- Review and interpret terms of loan agreements
- Collection calls in a fast paced goal oriented collections department
- Accountable for reducing delinquency for assigned accounts
- Perform all assigned tasks and duties necessary to support the Accounts Receivable Department
- Maintained and set mortgage interest rate and loan programs to remain competitive in market.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
Tech Support Specialist
Central Security Group, Inc.
06.2015 - 04.2016
- Provide thorough support and problem resolution for customers
- Maintain composure and patience in face of difficult customer situations
- Train new employees and explain protocols clearly and efficiently
- Processed inbound and outbound technical support calls at a 20% faster rate than team average
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Utilized ticketing system to track customer requests and prioritize urgent needs.
Telecommunications/Tech Support
Monitronics International
01.2013 - 03.2015
- Maintained an average of 100 calls a day
- Data Entry
- Collections
- Tech Support
- Billing
- Responded promptly to customer inquiries
- Resolve customer complaints
Education
Diploma -
Little Elm High School
Little Elm, TX05.2011
Skills
- Issue investigation
- Balance collection
- Payment posting
- Billing problem resolution
- Collections
- Credit and collections
- Finance
- Acquisition management
Timeline
Collections Specialist
Flagship Credit Acceptance
11.2022 - Current
Closing Specialist
Closing USA
09.2021 - 10.2022
Mortgage Funder
The Federal Savings Bank
08.2020 - 06.2021
AR Manager/Assistant Escrow Officer
Hawaiian Properties, Ltd
01.2019 - 04.2020
Collections/ Auto Loan Servicing Specialist
Confident Financial Solutions
06.2016 - 12.2018
Tech Support Specialist
Central Security Group, Inc.
06.2015 - 04.2016
Telecommunications/Tech Support
Monitronics International
01.2013 - 03.2015
Diploma -
Little Elm High School
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