Elea Stiffey
Shreveport,LA
Summary
Dynamic Mortgage Collections Specialist with a proven track record at Barksdale Federal Credit Union, excelling in debt recovery and relationship building. Achieved significant reductions in delinquency rates through effective negotiation and loss mitigation strategies, while maintaining compliance and delivering exceptional member service. Goal-oriented and committed to ethical practices in collections.
Overview
10
10
years of professional experience
Work History
Mortgage Collections Specialist
Barksdale Federal Credit Union
04.2022 - 06.2025
- Supported legal proceedings related to foreclosure actions by providing comprehensive documentation and coordinating with attorneys as necessary.
- Prevented potential escalations by promptly addressing borrower complaints regarding loan modification programs or collection practices.
- Maintained compliance with federal regulations and industry standards throughout the collections process.
- Mitigated financial risk through accurate assessment of borrower''s ability to repay outstanding debts.
- Reduced delinquency rates by implementing effective mortgage collections strategies.
- Managed a portfolio of delinquent loans, ensuring proactive follow-up and successful resolution of accounts.
- Achieved performance goals by consistently meeting or exceeding established metrics related to mortgage collections activities.
- Established relationships with members to encourage payment of delinquent accounts.
- Processed debtor payments and updated accounts to reflect new balance.
- Researched billing errors and discrepancies to initiate corrective action.
- Analyzed customer financial records to determine appropriate payment plan.
- Monthly property inspections on delinquent mortgages.
- Set up appropriate employers for interior/exterior clean outs.
- Marketing photos for webpage.
- Handle inquiries and show properties of foreclosures.
Collection Loss Prevention Specialist
Barksdale Federal Credit Union
08.2015 - 04.2022
- Reduced delinquency rates by implementing effective collections strategies and maintaining consistent communication with debtors.
- Increased overall effectiveness of the collections team by providing ongoing coaching, training, and support to staff members.
- Facilitated cross-department collaboration to address and resolve complex billing issues that contributed to delayed collections efforts.
- Called customers by telephone to collect past due accounts, verify accuracy of charges or to correct account errors.
- Exceeded personal collection targets consistently while maintaining high levels of customer satisfaction throughout challenging negotiations.
- Prepared reports on current findings and actions taken for accounts under investigation.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
- Processed payments and applied to customer balances.
- Delivered exceptional member service on collection calls and maintained calm and professional demeanor.
- Used skip tracing and other techniques to locate debtors.
- Established relationships with members to encourage payment of delinquent accounts.
- Prepared and submitted legal documents to initiate court proceedings.
- Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.
Education
High School Diploma -
Mangham High School
Mangham05.2010
Skills
- Skip tracing techniques
- Strong negotiation skills
- Professionalism and ethics
- Goal-oriented mindset
- Debt recovery expertise
- Foreclosure prevention tactics
- Loss mitigation strategies
- Problem-solving
- Relationship building
Timeline
Mortgage Collections Specialist
Barksdale Federal Credit Union
04.2022 - 06.2025
Collection Loss Prevention Specialist
Barksdale Federal Credit Union
08.2015 - 04.2022
High School Diploma -
Mangham High School
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