Charles Matlock
Prosper,TX
Summary
Energetic and highly motivated credit analyst with over 10 years of experience in in mortgage collections/servicing, building/maintaining calling queues, and customer service. Proficient in Microsoft Office, particularly Excel, and skilled in financial statement analysis, ratio analysis, and cash flow projections. Proven ability to manage high-volume loan files and prioritize tasks to meet deadlines. Strong communication and active listening skills. Resourceful Sales Agent effective at achieving aggressive sales goals. Dedicated to building rapport with internal suppliers and customers. Well-versed in establishing and expanding market presence to accomplish solid growth.
Overview
10
10
years of professional experience
Work History
Executive Sales Agent
National Debt Relief
05.2023 - Current
- Conducted thorough investigations into debtor's financial status, assets, and payment history to determine appropriate repayment plan
- Developed strong relationships with clients by providing regular updates on the progress of their accounts and resolving any issues or concerns promptly
- Analyzed credit reports and financial statements to assess the likelihood of successful debt recovery
- Developed customized repayment solutions based on individual customer circumstances while adhering to industry regulations
Credit Analyst
Toyota North America
08.2022 - 05.2023
- Analyzed creditworthiness of clients by reviewing financial statements, credit reports, and industry trends
- Evaluated loan applications and determined appropriate risk levels based on borrowers financial history and collateral
- Performed detailed financial statement analysis including ratio analysis, cash flow projections, and trend analysis
- Collaborated with relationship managers in structuring complex financing solutions tailored to meet client needs while managing risk exposure
Senior Account Manager II
Loan Depot
06.2020 - 02.2022
- Met performance expectations for collection efforts for assigned accounts based upon individual goals and objectives
- Placed or received calls in priority per calling queues
- Ensured that all delinquent accounts and assigned queues had been thoroughly worked according to standardized collection procedures
- Ensure that appropriate letters were sent to debtors
MLO Support Specialist II
PennyMac Loan Services, LLC
06.2018 - 05.2020
- Determined cause of delinquency and best course of action to assist delinquent customer, including initiating extensions, forbearance and repayment plans, and referrals to Loss Mitigation
- Documented all collection efforts for each assigned account in accordance with established procedures
- Processed account maintenance transactions according to established guidelines
- Performed the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company
Enrollment Specialist
Academic Partnerships
09.2016 - 05.2018
- Developed personalized academic plans for students based on their individual goals, interests, and academic performance
Collections Specialist
Kohls INC
06.2014 - 04.2016
- Negotiated and collected outstanding debts from delinquent customers, consistently meeting or exceeding monthly collection targets
Education
Some College -
Arkansas State University-Main Campus
Jonesboro, ARSkills
- Computer skills
- Microsoft Office
- Active listening
- Communication skills
- Microsoft Excel
- Sales closing
Timeline
Executive Sales Agent
National Debt Relief
05.2023 - Current
Credit Analyst
Toyota North America
08.2022 - 05.2023
Senior Account Manager II
Loan Depot
06.2020 - 02.2022
MLO Support Specialist II
PennyMac Loan Services, LLC
06.2018 - 05.2020
Enrollment Specialist
Academic Partnerships
09.2016 - 05.2018
Collections Specialist
Kohls INC
06.2014 - 04.2016
Some College -
Arkansas State University-Main Campus
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