Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Bricela Aguirre

Terrell,TX

Summary

Seasoned Advisor with background in providing strategic guidance and solutions. Known for strong problem-solving skills, decision-making abilities, and effective communication. Demonstrated history of advising clients on optimizing business processes and improving overall performance. Committed to making a significant impact by helping organizations meet their goals and objectives through insightful advisement.

Overview

5
5
years of professional experience

Work History

Advisor III

Nelnet
Lincoln, NE
09.2021 - Current
  • Promote high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Verify borrowers' information for accuracy in loan accounts.
  • Identified needs of borrowers promptly and efficiently.
  • Advise delinquent customers on strategies for debt repayment plans and income-driven repayment plans offered by the U.S. Department of Education.
  • Accept and process customer payments and apply them toward account balances.
  • Arrange debt repayment or establish schedules for repayment based on the customer's financial situation.
  • Advise borrowers on the different types of student loans.
  • Advise of the loan subsidy and explain the interest rates for their specific loans.
  • Provide information to students on various options available when considering repayment plans for loans or consolidation opportunities.
  • Assist in the consolidation department by providing information to borrowers on their existing consolidation applications.
  • Provide information for improving the overall consolidation process.
  • Review the different military benefits available for active-duty military members.
  • Assist with the Total and Permanent Disability Department by providing assistance with discharge applications to veterans, people receiving Social Security disability, and other potential candidates.
  • Review accounts and provide the borrower with information regarding the different loan forgiveness programs in the U.S. Department of Education is currently conducting.
  • Maintained updated knowledge through the U.S. Department of Education, in reference to the repayment plans and forgiveness options for student loans.

Loss Mitigation Specialist

Tricolor Auto Group
Irving, TX
02.2020 - 07.2021
  • Researched and analyzed borrowers' financial information to determine eligibility for loan modification programs.
  • Developed and implemented strategies to maximize loss mitigation opportunities with delinquent borrowers.
  • Negotiated repayment plans with delinquent borrowers in accordance with company policies and procedures.
  • Maintained accurate records of all activities related to loan modifications including communication with customers, lenders, attorneys.
  • Worked closely with internal departments such as Servicing, Underwriting and Legal teams to ensure compliance with applicable laws and regulations.
  • Performed quality control reviews on completed loan modifications prior to submission for vehicle repossession.
  • Conducted outreach campaigns by making outbound calls or sending letters and emails to delinquent borrowers, offering solutions for avoiding vehicle repossession.
  • Updated client account information and records in company databases.
  • Advised management on recommended improvements or enhancements based on industry trends or regulatory changes impacting the loss mitigation process.
  • Worked with customers to put together plans focused on retaining property ownership.
  • Ensure repossessed vehicles are transported to the company's stores for maintenance in a timely manner.

Branch Manager

Toledo Finance
Arlington, TX
06.2019 - 02.2020
  • Directed daily operations of the branch, including customer service, sales, and marketing activities.
  • Developed strategies to increase customer satisfaction and loyalty.
  • Reviewed loan applications to ensure accuracy and compliance with regulations.
  • Monitored financial performance of the branch on a monthly basis.
  • Resolved escalated customer complaints in a timely manner.
  • Created reports summarizing operational performance metrics for senior management review.
  • Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
  • Verified cash by balancing cash drawers and maintaining cash count records.
  • Performed verification of customer's employment status, income level, debt-to-income ratio, and other factors to ensure compliance with regulatory standards.
  • Analyzed customer's financial data to determine repayment ability and affordability.
  • Conducted credit analysis and approved or denied loan applications based on credit history, income, and other criteria.
  • Provided guidance to customers regarding the terms and conditions of their loans.
  • Educated customers on loan options available to them, such as installment loans and auto loans.
  • Prepared loan documents for accuracy prior to closing process.
  • Monitored customer accounts throughout life of loans to ensure payments are made on time.
  • Reviewed existing client portfolios regularly to identify potential refinancing opportunities.
  • Resolved customer inquiries related to account balances, payment history and other issues in an efficient manner.
  • Maintained up-to-date knowledge of relevant laws and regulations governing consumer lending practices.
  • Processed payments from delinquent accounts according to established procedures while adhering to federal and state collection guidelines.

Education

High School Diploma -

Bryan Adams High School
Dallas, TX
06-2016

Skills

  • Communication skills
  • Attention to Detail
  • Multitasking
  • Public Speaking
  • Problem-Solving
  • Fast Learner
  • Time management
  • Leadership Experience
  • Customer Service

Languages

Spanish
Native/ Bilingual

Timeline

Advisor III

Nelnet
09.2021 - Current

Loss Mitigation Specialist

Tricolor Auto Group
02.2020 - 07.2021

Branch Manager

Toledo Finance
06.2019 - 02.2020

High School Diploma -

Bryan Adams High School

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Bricela Aguirre