Donna Miccio
Rancho Cucamonga,Ca
Summary
Dynamic professional representative with extensive experience and a strong dedication to delivering exceptional results. Proven ability to collaborate effectively within teams while adapting to evolving needs, ensuring reliability and success in all endeavors. Expertise in communication, problem-solving, and customer relations drives a focus on achieving impactful outcomes. Recognized for a proactive approach, unwavering integrity, and the capacity to cultivate lasting professional relationships.
Overview
28
28
years of professional experience
Work History
Accounts Payable, Reinstatement Rep,
Mechanics Bank Auto Finance
02.2019 - 06.2025
- Created files for check runs for POF Overages, and also Total Loss.
- Daily Check Runs
- Identify and clear short paid invoices and deductions
- Reviewed all invoices for proper policy and procedures by the Repo Agent to assure within guidelines.
- Processed invoices in Fivserv
- Checked invoices for discrepancies.
- Void and Stop Payments
- Sent out professional E-mails & respond to E-mails in a timely manner.
- Worked One year in Reinstatements
- Took customer calls when vehicle was repoed,
- Guided them through the process of getting there vehicle back
- Worked with Repo agents and Auto Auctions to release vehicles back to the customers
- Reallocation of Fees paid.
Senior Loss Mitigation Collections Specialist
BSI Financial
08.2017 - 01.2019
- Collections on 60 days plus accounts
- Prepare TPP for Modifications and Repayments plans, and Deferments and Extension Agreements
- Solicit for Short Sales prepare files for investor approval
- Prepare and complete DIL
- Respond to borrower inquiries regarding mortgage default and Loss Mitigation
- Initiate and monitor research on accounts as required
- Responsible for meeting legal requirements and following internal policies
- Evaluate the borrowers repay ability and reason for default
- Obtain sufficient information to review for Loss Mitigation Initiate monitor research on accounts as requested
Supervisor Accounts Receivables/Payables
NewCo Distributors
09.2016 - 08.2017
- Collections and Credit
- Monitored monthly balances and past due status of individual accounts
- Negotiated clients contacts to meet any change in pricing or discounts
- Put Customers on payment plans.
- Personally handles major accounts requiring individual attention: or selected marginal or problem accounts, special credit arrangements
- Advised the Corporate Controller and President of any large credit exposure, which may represent a loss to the company.
- Coordinates credit activities with sales, accounting, shipping and claims department
- Regularly reviews collection reports to ascertain status of collections and outstanding balances and evaluate effectiveness of current collection policies and procedures. Determines actions to be taken personally or by credit Representatives.
- Cash applications and posting cash
- Prepared aging reports
- Raised percentage of aging from 62% raised to 85%
- Prepared bank deposits
- Reviewed Credit Que. to release orders for shipment. Sent blue sheets for the drivers for instructions.
- Referred files to third party collections. Followed and documented updates and payment third party received.
- Sent profession E-Mails to customer to collect past due invoices
Collections Supervisor
Green Tree Servicing LLC
02.2003 - 08.2016
- Trained coached and mentored staff.
- Managed Account Receivable Coordinator, while processing payments through check 21 system, sent out postdated check letters.
- Collected all modification documents to submit to underwriting. Reinstatements, Repayment plans, Short Sales, Deed in Lieu, Hamp, HAFA.
- Effectively managed a high-volume of inbound and outbound customer calls.
- Approved deferments, extensions, Short Sales, Rate Modifications.
- Screening and inputting data need to determine workout options to include repayment plans, special forbearance's, and loan modifications.
- Compliant with HUD Fair housing
- Analyzed call volume and average call time to monitor Customer Service Representative Performance and productivity.
- Handled understaffing, disputes, terminating employees and administering disciplinary procedures.
- Recommended loan approvals and denials based on customer loan application reviews.
- Worked directly with Park Managers, and owner to resolve past due invoices, Communicated via email, and phone.
- Ensured superior customer experience by addressing customers concerns, demonstrating empathy and resolving problems on the spot.
- Ensured proper notices were sent out in a timely manner and in guidelines with proper portfolio.
Senior Underwriter
Bank of America Specialty
02.1997 - 02.2003
- Gathered Loan Doc for Specialty Financing
- Credit limit $500,000.00.
- Analyzed credit Report, tax returns, bank Statements
- Worked closely with dealers on promotions and decisions.
- Credit denials and approvals. Provided customer service to internal staff and dealers by explaining credit decisions.
- Offered alternative options when needed to complete approvals.
- Performed in-debt analysis of person income tax and business tax returns on self-employed borrowers.
- Worked with matrix system.
- Calculated LTV, DTI.
- Prepared denial Letters.
- Negotiated Rates
Education
High School Diploma -
Ontario High
Ontario, CASkills
- Collaborative teamwork
- Effective time management
- Effective conflict resolution
- Data-driven decision making
- Detail-oriented
- Analytical problem solving
Timeline
Accounts Payable, Reinstatement Rep,
Mechanics Bank Auto Finance
02.2019 - 06.2025
Senior Loss Mitigation Collections Specialist
BSI Financial
08.2017 - 01.2019
Supervisor Accounts Receivables/Payables
NewCo Distributors
09.2016 - 08.2017
Collections Supervisor
Green Tree Servicing LLC
02.2003 - 08.2016
Senior Underwriter
Bank of America Specialty
02.1997 - 02.2003
High School Diploma -
Ontario High