ANNETTE Longoria

● Analyze first-payment defaults to determine appropriate resolution strategies, including loan modifications and customer assistance programs.

● Evaluate complex financial situations to recommend tailored repayment or settlement options.

● Manage high-volume inbound and outbound calls, resolving billing issues and improving customer retention.

● Conduct skip tracing on high-risk accounts to locate borrowers and obtain updated contact and employment information. ● Ensure full compliance with FDCPA and regulatory standards while documenting all activity in CRM systems.

● Led large-scale customer outreach initiatives for asset recovery and debt settlement.

● Negotiated payment arrangements and settlements that reduced delinquency rates and improved portfolio performance.

● Evaluated charged-off and distressed accounts to implement effective loss mitigation strategies.

● Collaborated with legal teams on escalated cases and mentored staff on compliance and negotiation techniques.

● Assessed borrower eligibility for HAMP and non-HAMP loan modification programs.

● Reviewed credit reports, income documentation, and financial statements to make underwriting decisions.

● Prepared and executed loan modifications in compliance with federal guidelines.

● Reduced portfolio risk through proactive credit analysis and loss mitigation strategies.

● Assisted customers with settlements, account inquiries, and deficiency balance resolutions.

● Negotiated payment arrangements and settlements to satisfy outstanding balances.

● Managed inbound and outbound calls, including skip tracing activities.

● Monitored charged-off accounts and maintained accurate system documentation.

● Ensured compliance with state regulations and credit reporting requirements

● Managed delinquent accounts (91+ DPD) to reduce company losses.

● Conducted skip tracing to locate borrowers and recover assets.

● Coordinated repossessions and worked with agents to recover vehicles.

● Negotiated impound fees and handled insurance claims processing.

● Provided customer service and maintained detailed account reporting.

● Managed delinquent accounts (91+ DPD) to reduce company losses.

● Conducted skip tracing to locate borrowers and recover assets.

● Coordinated repossessions and worked with agents to recover vehicles.

● Negotiated impound fees and handled insurance claims processing.

● Provided customer service and maintained detailed account reporting.

● Negotiated repayment plans, loan modifications, and alternative solutions for delinquent borrowers.

● Maintained compliance with all collection laws and company procedures.

● Reviewed borrower financials to determine the best workout options.

● Reported account status and escalations to management

● Reviewed foreclosure files to ensure accuracy and compliance.

● Provided remediation recommendations to audit teams.

● Evaluated loan documentation and prior modification decisions.

● Ensured all loss mitigation efforts were exhausted per investor guidelines.

● Located delinquent borrowers using databases, credit reports, and investigative techniques.

● Coordinated repossessions and negotiated borrower resolutions.

● Met production goals while adhering to regulatory requirements.

● Managed short sale and deed-in-lieu cases for multiple investors.

● Reviewed borrower financials and determined appropriate loss mitigation strategies.

● Maintained work queues, timelines, and documentation in servicing systems.

● Assisted with special projects and team leadership responsibilities.