Darlene Giguere
Maricopa,AZ
Summary
Results-driven collections specialist with expertise in loss mitigation strategies and financial analysis. Demonstrated success in negotiating repayment solutions and exceeding performance metrics.
Overview
7
7
years of professional experience
Work History
Loss Mitigation Specialist
Flagship Credit Acceptance
Tempe, Arizona
07.2020 - 04.2026
- Evaluated delinquent accounts to develop tailored loss mitigation strategies, enhancing borrower financial stability through payment plans, extensions, modifications, and settlements
- Negotiated customized repayment solutions with customers, effectively reducing delinquency rates and preventing charge-offs
- Analyzed financial statements and supporting documentation to identify borrower hardships, facilitating appropriate assistance and support
- Maintained compliance with company policies and industry regulations while handling sensitive financial information
- Consistently exceeded performance metrics related to cure rates and customer retention
Collection Specialist
Target Financial Services
Tempe, Arizona
03.2019 - 07.2020
- Achieved and surpassed monthly collection goals while ensuring adherence to FDCPA guidelines and company compliance standards
- Negotiated payment arrangements to bring accounts current, reducing potential losses
- Managed high-volume outbound/inbound collection calls on delinquent accounts to recover outstanding payments
- Delivered excellent customer service while maintaining professional, empathic approach to enhance customer relationships
Education
High School Diploma -
Wickenburg High School
Wickenburg, AZ05-1988
Skills
- Loss mitigation strategies
- Collections experience
- Mortgage, consumer loans, credit card, and student loan servicing
- Financial analysis
- Payment negotiations
- High-volume collections
- Dialer management
- Collections and customer service
- Problem solving
- Conflict resolution
- Effective communication
- Team collaboration
- Attention to detail
- Portfolio management
Timeline
Loss Mitigation Specialist
Flagship Credit Acceptance
07.2020 - 04.2026
Collection Specialist
Target Financial Services
03.2019 - 07.2020
High School Diploma -
Wickenburg High School