Freddie Torres
Glendale,AZ
Summary
Accomplished Debt Specialist dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty.
Overview
25
25
years of professional experience
Work History
Debt Specialist III
TD Bank N.A
03.2022 - Current
- Direct customer contact (Inbound & Outbound )via telephone to collect total balance due and secure future payment.
- Manage account ownership queue and use skip tracing tools to gather additional customer information.
- Explained different types of options (extensions, POC, due date, etc ) to clients.
- Use negotiation skills to capture past due amounts.
Home Mortgage Consultant
Wells Fargo & Co
03.2016 - 02.2022
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
Loan Adjustor
Wells Fargo & Co
02.2016 - 03.2019
- Utilize negotiation skills to obtain settlements or acceptable arrangements of customer financial status.
- Persistently reached out to customers with extremely past due accounts to recover lost revenue.
- Oversaw work of junior specialists, helping to motivate strong performance and improve overall knowledge with focus on mentoring and coaching.
NEGOTIATIONS CHASE AUTO FINANCE - SR SPECIALIST II
JP Morgan Chase
03.2014 - 03.2016
- Task: Damage assessment, insurance claims, Adjustment, auction prep and sales.
- Identified areas in need of critical improvement and implemented strategies to achieve targets.
- Oversaw work of junior specialists, helping to motivate strong performance and improve overall knowledge with focus on mentoring and coaching.
FBCO GROUP CHASE AUTO FINACE - Recovery Specialist III
JP Morgan Chase
02.2008 - 01.2014
- Direct customer contact via telephone to negotiate the surrender of their Vehicle or full balance payoff.
- Review and analyze customer credit bureaus, property evaluations, and other assets.
- Help with bankruptcy & deceased repossession.
- Assist manager/supervisor with team lead duties with included reporting and monitoring.
- Interpreted clients' needs and introduced services to fit specific requirements.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
CHASE - Underwriting Level II, DIRECT
JP Morgan Chase
11.2006 - 02.2008
- I evaluated the credit worthiness of applicants and current and negotiate interest rates to capture business.
- Credit and application analysis to prevent potential fraudulent deals.
- Determined and documented loan conditions and communicated requirements and decisions.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
LOAN CLOSER LEVEL II
JP Morgan Chase
10.2005 - 11.2006
- CHASE DIRECT AUTO FINANCE - Responsible for quality assurance and loan processing.
- Closing newly approved auto finance loans.
- Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
DEALER SALES ASSOCIATE III
JP Morgan Chase
04.2002 - 10.2005
- Managed customer relations and customer service through daily communication and interaction.
- Maximized customer interactions by promptly identifying needs and wants.
- Mentored and coached other team members to meet daily sales goals.
LEASE-END SUPERVISOR
CHASE ASSET REMARTING
05.2000 - 04.2002
- Responded to customer concerns with friendly and knowledgeable service and remedied issues promptly and effectively
- Oversaw employee performance, corrected problems and increased efficiency to maintain productivity targets
- Trained team members in successful strategies to meet operational and sales targets.
LEASE-END CONSULTANT
Chase
03.1999 - 05.2000
- Negotiated sales of end of term leased vehicles / Verified accuracy and completeness of data and resolved customer conflicts.
- Team Lead for negotiation and sales.
Education
High School Diploma -
North High School
Phoenix, AZ03.1998
Skills
- Recovery Collection
- Self-Motivated
- Excellent time and organizational
- Expert Knowledge of FDCPA
- Bilingual
- Through knowledge of Auto Finance
- Strong Sales experience
- Excellent negotiating and influencing skills
- Advance Skip Tracing
- Bankruptcy
- Audit
- Customer Experience training
- Quality Assurance training
- Team Lead
- Maintained strict confidentiality of bank records and client information
- Originated, reviewed, processed, closed and administered customer loan proposals
Timeline
Debt Specialist III
TD Bank N.A
03.2022 - Current
Home Mortgage Consultant
Wells Fargo & Co
03.2016 - 02.2022
Loan Adjustor
Wells Fargo & Co
02.2016 - 03.2019
NEGOTIATIONS CHASE AUTO FINANCE - SR SPECIALIST II
JP Morgan Chase
03.2014 - 03.2016
FBCO GROUP CHASE AUTO FINACE - Recovery Specialist III
JP Morgan Chase
02.2008 - 01.2014
CHASE - Underwriting Level II, DIRECT
JP Morgan Chase
11.2006 - 02.2008
LOAN CLOSER LEVEL II
JP Morgan Chase
10.2005 - 11.2006
DEALER SALES ASSOCIATE III
JP Morgan Chase
04.2002 - 10.2005
LEASE-END SUPERVISOR
CHASE ASSET REMARTING
05.2000 - 04.2002
LEASE-END CONSULTANT
Chase
03.1999 - 05.2000
High School Diploma -
North High School
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