Darsy Ghilmar Reque
Fairfax,VA
Summary
Self-Motivated focused and dependable on streamlining service procedures and maximizing team efficiency. Consistent in satisfying company goals, building loyalty and driving retention with diligent attention to individual needs. Demonstrated the ability to complete tasks accurately despite interruptions. I am an Individual who demonstrates commitment to working in environment devoted to collaboration, diversity and professional development.
Overview
23
23
years of professional experience
Work History
Recoveries Specialist III
Navy Federal Credit Union
Vienna, VA
12.2018 - Current
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Presented and processed client loan documents and verified comprehension of essential language.
- Provided information about different products and options.
- Assigning new business and handling existing accounts.
- Put together and sent out reinstatement and payoff quotes.
- Assisted attorneys by researching and consolidating information from legal resources.
- Researched documents and publications for details to establish evidence.
- Negotiated civil dispute settlements to minimize payment or maximize receipt of monetary damages.
- Reviewed accounts to determine payment plan compliance.
- Located debtors by utilizing skip tracking and other strategies.
- Processed attorney payments.
- Oversaw disputes resolution and reconciliation for member accounts.
- Currently attending to court virtually and in person.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Collaborated closely with team members to achieve project objectives and meet deadlines.
- Utilized various software and tools to streamline processes and optimize performance.
- Conducted comprehensive research and data analysis to support strategic planning and informed decision-making.
Paralegal Debt Collector
Wolpoff and Abramson llc
Rockville, MD
01.2002 - 10.2009
- Processed payments over the phone and set up recurring drafts.
- Gathered required information from customers for settlement reviews and followed up on management determined results.
- Secured payments by following up with customers who disregarded promise to pay.
- Located debtors by utilizing skip tracking and other strategies.
- Conveyed current account information and obtained payments by using pre-scripted statements.
- Oversaw legal cases involving credit cards, secured/unsecured loans.
- Prepared legal memos and other documents under the guidance of staff attorneys.
- Researched jurisdictional statutes and laws to establish relevant black letter law.
- Ensured workplace productivity and coordination through the management of different attorneys, paralegals, and other legal personnel.
- Managed new files and retrieval requests with speed and accuracy.
- Properly routed agreements, contracts and invoices through the signature process.
- Controlled and managed document processes by reviewing files, records, and critical information to confirm accuracy and ensure compliance with laws, policies and procedures.
- Used resources such as public records searches, legal databases and the firm's law library to complete in-depth research.
Delinquency Counselor I,II,III,IV
Navy Federal Credit Union
Vienna, VA
07.2011 - 04.2013
- Oversaw daily collections and accounts receivable activities, developing robust strategies to maximize collections and reduce aged accounts.
- Monitored accounts to identify overdue payments.
- Placed outbound collections calls daily to approximately over 50 accountholders.
- Administered delinquency cycle from start to finish, managing collections calling, skip tracing, outside collections agency coordination and related litigation.
- Followed fair debt practices and regulatory guidelines when managing collections process.
- Contacted customers and explained debt management to encourage timely debt payments.
- Recovered lost revenue by persistently reaching out to customers with past due accounts.
- Updated account status records and collection efforts.
- Created repayment plans based on account holders’ financial status and repayment abilities.
- Processed payments and refunds in a timely and efficient manner.
- Updated customer accounts with interactions, payments and personal information.
- Used advanced software skills to produce high-quality documents, reports and presentations.
Repossession Specialist
Navy Federal Credit Union
Vienna, VA
04.2014 - 10.2018
- Located vehicles by utilizing skip tracking and other strategies.
- Receive and review repossession updates, condition reports, and oversee transportation logistics or repossessed inventory.
- Work within state laws to obtain proper title paperwork for transferring ownership of repossessed collateral.
- Use industry valuation publications to determine value of collateral.
- Maintain an understanding of legal process for non-self-help repossessions in peaceful self-help states, i.e replevins or in states requiring specific legal process prior to repossession and understanding of insurance claims process.
- Assisted members in the redemption process.
- Responsible for re-marketing and final sale of repossessed collateral.
- Process payments and ensure proceeds get applied to loans.
- Request and send sold letters to members.
Education
High School Diploma -
Colegio Amor de Dios
1998
Administrative Support
Anjun Tranining Center
2002
Skills
- Results-oriented
- Quick learner
- Legal research
- Clerical skills
- Legal precedent
- Resolving disputes
- Powerful negotiator
- Compliance
- Case interpretation
- Strategy development
- Decisive
- Resolving disputes
- Practiced in litigation and contracts
- Calculating fees
- Legal analysis
- Oratory communication
- Citing legal documents
- Court document processing
- Negotiating agreements
- Attentive listening
- Legal writing
- Compiling data
- Legal compliance
- Proficiency in excel
Accomplishments
Received “exceeds expectations” ratings on performance reviews.
Employee of the month in all different tiers of collections.
Recipient of Sustained Superior Performance in 2014 and 2017.
- Recognized as Employee of the month and the quarter for outstanding performance and team contributions.
Languages
Fluent in English and Spanish .
References
Provided upon request.
Timeline
Recoveries Specialist III
Navy Federal Credit Union
12.2018 - Current
Repossession Specialist
Navy Federal Credit Union
04.2014 - 10.2018
Delinquency Counselor I,II,III,IV
Navy Federal Credit Union
07.2011 - 04.2013
Paralegal Debt Collector
Wolpoff and Abramson llc
01.2002 - 10.2009
High School Diploma -
Colegio Amor de Dios
Administrative Support
Anjun Tranining Center
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