Daniel Ramirez
Mesa,AZ
Summary
Upbeat, positive and forward-thinking operational fraud and bankruptcy specialist bringing years of experience with an emphasis in customer service and data entry. Reliable industry expert focused on maximizing success through effective use of investigating, reporting and process efficiency. An informal leader amongst peers whose known for adhering to the highest standards of excellence in database management, fraud prevention and customer support. Proven expert solutions provider who is adept at learning new technologies quickly and has top-notch communication skills and excellent time management.
Overview
26
26
years of professional experience
Work History
Centralized Collections & Recovery Specialist II
Lendmark
06.2024 - Current
- Contact loan customers for past due payments and properly note the system of record with the updated status.
- Ability to manage multiple loans and customer relationships while initiating and negotiating account settlements and payment arrangements.
- Engage with all customers in a manner that is in correspondence with FDCPA, individual state guidelines and in a clear and professional manner
- Schedule customer appointments and create reports for team scheduling organization.
- Review and make appropriate recommendations for potential repossession on collateral potentially meeting value requirements
- Evaluate accounts currently in legal process and maintain accurate electronic records for all of them.
Lead ID Theft Specialist
Bridgecrest Credit Company LLC
01.2019 - 04.2024
- Sensitive document certified to access secured databases for investigative purposes to investigate claims of ID theft and fraud.
- Attended training programs to deepen professional skillset and assisted in training peers on existing and new programs.
- Monitored industry trends to adapt departmental strategies accordingly.
- Updated procedures and presented best practices to senior management as the Subject Matter Expert on ID theft & fraud deterrence; senior management rolled out as a company wide initiative.
- Responsible for ordering, inventory and maintenance of all department supplies / materials.
- Assisted teammates with enrollment for new training courses, paperwork and orientations.
Collections Team Lead
Bridgecrest Credit Company LLC
01.2007 - 01.2019
- Created updated collection scripts and processes for team to negotiate payment plans preventing repossession efforts and exceeding company goals month over month.
- Team consistently delivered exceptional customer service on collection calls leading to award winning accolades 6 quarters in a row.
- Maintained high volume of calls and met demands of busy and productive group.
- Created reporting and analytical monitoring of accounts to identify overdue balances and other areas of potential risk reducing departmental exposure by 9% in just 6 months.
- Designed and developed optimal collections strategies resulting in higher recoveries and improved borrower satisfaction.
- Experience working in various stages of delinquent accounts and held various positions to include: Super Mandatory, Back End, Mid-Range, Front End, Exception Team, Military Dept. and Customer Care Unit.
Bankruptcy Specialist
Green Tree Servicing LLC
01.2003 - 01.2006
- Managed a large portfolio of bankrupt mortgage accounts.
- Prepared and filed legal documents such as proof of claims and motions for relief to protect organizational interests.
- Communicated with customers and their legal counsel to ensure Green Tree’s exposure was minimized by securing lien status.
- Filed documents with bankruptcy courts within expected timeframes to prevent delays and was consistently recognized as a top performer.
- Collaborated with attorneys and other legal personnel on bankruptcy documentation reviews, making necessary corrections.
Collector
Green Tree Servicing LLC
01.1999 - 01.2003
- Collected on past due payments and negotiated payment plans to prevent loss of lien and meet company goals monthly.
- Delivered exceptional customer service on collection calls to delinquent customers and maintained calm and professional demeanor.
- Persistently reached out to customers with extremely past due accounts to recover lost revenue.
Education
Certificate - Business Administration
Bridgecrest Learning
11.2020
Certificate - Military Financial Affairs Expert
Bridgecrest Learning
03.2020
Certificate - Train The Trainer
Bridgecrest Learning
08.2015
J.M. Hanks High School
01.1994
Skills
- Organizational efficiency
- Administrative specialist
- CBR laws & guidelines
- FCRA
- FDCPA
- Bankruptcy laws
- Compliance assurance
- Data entry, analysis & reporting
- Microsoft Office Suite of Products
- Customer Relations
- Quality Assurance
- Documentation Management
Timeline
Centralized Collections & Recovery Specialist II
Lendmark
06.2024 - Current
Lead ID Theft Specialist
Bridgecrest Credit Company LLC
01.2019 - 04.2024
Collections Team Lead
Bridgecrest Credit Company LLC
01.2007 - 01.2019
Bankruptcy Specialist
Green Tree Servicing LLC
01.2003 - 01.2006
Collector
Green Tree Servicing LLC
01.1999 - 01.2003
Certificate - Business Administration
Bridgecrest Learning
Certificate - Military Financial Affairs Expert
Bridgecrest Learning
Certificate - Train The Trainer
Bridgecrest Learning
J.M. Hanks High School
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