Cindy Parra
Beaumont,CA
Summary
Seeking a full-time position within your company where my past employment experience can be utilized also to improve my knowledge of the business and growth.
Overview
14
14
years of professional experience
Work History
Loan Funding Specialist
Opportunity Fund
08.2018 - 08.2023
- Analyze the loan agreements and make sure that they are complete and accurate according to the policy
- Educated customers on the terms and conditions of the loan to ensure a clear understanding
- Answered multiple calls efficiently
- Built long term customer relationships
- Calculated, reviewed, and corrected errors on interest, principal, payment, and closing costs, using computers or calculators
- Verified and examined information and accuracy of a loan application and closing documents
- Calculated, reviewed, and corrected errors on interest, principal, payment, and closing costs, using computers or calculators
- Assembled and compiled documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts
- Prepared and type loaned applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers
- Record applications for loan and credit, loan information, and disbursements of funds using computers.
R and Collections Specialist
Camino Financial
01.2016 - 08.2018
- Taking payments, payment deferments, due date changes, extensions and helping customers resolve any payment issues
- Handled inbound and outbound calls with the objective of collecting delinquent accounts
- Arranged payment plans and promises-to-pay with consumers to cure delinquent debts and pay-in-full
- Implemented credit and collection policies to minimize risk and reduce delinquencies
- Collects delinquent accounts by locating and contacting customers, establishing repayment terms and schedules
- Adapted to changes at work (products, services, policies)
- Saved over 50% of accounts from being sent to outside collection agencies by setting up payment plans with customers
- Lowering the company’s total delinquency rate to 2% when only 5% was expected
- Prepared documentation related to delinquent and other past due accounts to be forwarded to the Company's outside collection agency and other necessary procedures to support the Company's Proof of Claim submissions in bankruptcy proceedings as they arise
- Followed Federal and State laws dealing with debt collection
- Locate customers using credit bureau information, background checks, loan documents, and other databases
- Recommended accounts for placement with a 3rd party agency when necessary
- Coordinated with 3rd party collection agencies and law firms on collection activities, settlement issues and legal suit decisions
- Collaborate with a network of attorneys to oversee litigation process
- Contacted customers to negotiate acceptable payment arrangements or settlements, when applicable
- Documents all collection activity clearly, accurately, and in a timely manner
- Received a company award for dealing effectively with difficult collection situations.
Origination Processor Team Leader
Loan Mart
02.2010 - 01.2016
- Live monitor inbound/outbound calls
- Mentor
- credit analyst
- Coaching the team on daily basis
- Provide feedback to agents
- Monthly Evaluations
- Review applications with the agents for any social discrepancies
- Bankruptcy status and other possible exceptions to ensure we are within compliance guidelines
- Respond to emails and keep in constant communication with our partners
- Respond to customer service email requests
- Motivate the agents with content and keep a positive environment
- Provide vast motivation to all team members to achieve high standards
- Preparing daily workloads for team
- Handle escalated calls, complaints, and questions.
Education
High School Diploma -
Abraham Lincoln High School
Los Angeles, CA2006
Skills
- Microsoft Office (Excel, PowerPoint, Word), Excellent Customer Service Skills, Energetic performer, Dependable, Punctual and I strive to achieving excellence Able to time manage, prioritize tasks, meet deadlines, work very effectively and efficiently under high stressful environments, Goal-Oriented, Leads by Example
Languages
Spanish
Full Professional
Timeline
Loan Funding Specialist
Opportunity Fund
08.2018 - 08.2023
R and Collections Specialist
Camino Financial
01.2016 - 08.2018
Origination Processor Team Leader
Loan Mart
02.2010 - 01.2016
High School Diploma -
Abraham Lincoln High School
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