GABRIELA AMARO
Aurora,CO.
Summary
Dependable Collections Specialist successful at meeting high productivity, quality and performance standards. Efficient and competent professional.
Overview
14
14
years of professional experience
Work History
Collections Specialist III
Technology Credit Union
09.2021 - Current
- Lowered Mortgage delinquency from $5,882,349.00 to zero for 6 months straight.
- Charge off and Board Report
- Wrote policy and procedures along with job aids for current position and new proposed new position.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
- Trained new team members on scripts, company services, and collection strategies.
- Achieved performance goals on consistent basis.
- Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Initiated repossession process or service disconnection upon failure of other collection methods.
- Prepared and submitted legal documents to initiate court proceedings.
- Researched accounts and completed due diligence to resolve collection problems.
Loss Mitigation Collections Specialist
Fitzsimons Credit Union
04.2021 - 09.2021
- Received reward for highest collection amount in company history.
- Proved successful working within tight deadlines and fast-paced environment.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Initiated repossession process or service disconnection upon failure of other collection methods.
Loss Mitigation Collections Specialist
Canvas Credit Union
03.2020 - 04.2021
- Identify, assets and mitigate risk to the bank through use of exemplary
- Contact delinquent customers in assigned non-legal portfolio
- Assume responsibility of outcome on achieved metrics
- Rehabilitate credit worthy customers/clients
- Liaises with internal and external business partners (lawyers, agencies)
- Lead/participate in project and team meetings interacting and
- Sustain objectiveness within each customer encounter
Legal Debt Collector
Rausch Sturm LLP
06.2019 - 03.2020
- Execute adequate and timely collection and instigate recovery activities to minimize risk costs and optimize returns
- Investigate payment arrears in the portfolio and code debtor appropriately to determine following collection process steps
- Communicate with debtors by telephone and in writing to manage debtors and arrears process
- Identify quality adjustment request complete documentation packages and utilize company underwriting guidelines to approve or reject the request
- Record debtor and arrears history to ensure a complete file as a sound basis for decision making during collection / recovery.
- Achieved performance goals on consistent basis.
Medical Debt Collector
Revenue Enterprises LLC
11.2018 - 06.2019
- Execute adequate and timely collection and instigate recovery activities to minimize risk costs and optimize returns
- Investigate payment arrears in the portfolio and code debtor appropriately to determine following collection process steps
- Communicate with debtors by telephone and in writing to manage debtors and arrears process
- Identify quality adjustment requests complete documentation packages and utilize company underwriting guidelines to approve or reject the request
- Record debtor and arrears history to ensure a complete file as a sound basis for decision making during collection / recovery.
High Risk Analyst
Specialized Loan Servicing
11.2017 - 09.2018
- Assists with collections, bankruptcy, and foreclosure
- Oversees preparation of all necessary legal documents
- Maintains current industry knowledge and regulations by completing training sessions as scheduled
- Insures accurate reporting to investors, guarantors, and credit repositories
- Analyzed legal documents and liaise between attorney and company management.
Special Operations Manager
Machol and Johannes LLC
02.2012 - 09.2017
- Conduct daily / weekly departmental meetings and employee insubordination discussions
- Participate in insurance clients' project development and targeted recovery goals
- Lead a team of Collectors in the on-going recovery of $450K in collections
- Conducted regular employee performance reviews
- Managed and reported accounts receivable company-wide
- Recommended resolutions for high-risk accounts and monitored sales volumes, collector’s quotas, call logs and monetary recovery for reporting.
Debt Collector
Professional Bureau of Collections of Maryland Inc
10.2009 - 02.2012
- Execute adequate and timely collection and instigate recovery activities to minimize risk costs and optimize returns
- Investigate payment arrears in the portfolio and code debtor appropriately to determine following collection process steps
- Communicate with debtors by telephone and in writing to manage debtors and arrears process
- Identify quality adjustment requests complete documentation packages and utilize company underwriting guidelines to approve or reject the request
- Record debtor and arrears history to ensure a complete file as a sound basis for decision making during collection / recovery.
Education
Leadership Skills -
04.2023
Excel Classes - Basic And Intermediate Skills
11.2022
Growth And Ongoing Manager Training -
2015
Legal Diploma And GED -
2001
Skills
- Solid understanding of applicable state and federal collections regulations
- Ability to effectively manage often complex customer matters
- Fair Debt Collections Practices
- Performance Improvement Techniques
- Substantial experience with MS Office applications
- Especially strong verbal communications skills
- Strong conflict resolution abilities
- Foreclosures and Liquidations
- Analytical and Critical Thinking
- Goals and Performance
- Attorney Support
- Personalized Financial Reviews
Languages
Spanish
Native or Bilingual
Timeline
Collections Specialist III - Technology Credit Union
09.2021 - Current
Loss Mitigation Collections Specialist - Fitzsimons Credit Union
04.2021 - 09.2021
Loss Mitigation Collections Specialist - Canvas Credit Union
03.2020 - 04.2021
Legal Debt Collector - Rausch Sturm LLP
06.2019 - 03.2020
Medical Debt Collector - Revenue Enterprises LLC
11.2018 - 06.2019
High Risk Analyst - Specialized Loan Servicing
11.2017 - 09.2018
Special Operations Manager - Machol and Johannes LLC
02.2012 - 09.2017
Debt Collector - Professional Bureau of Collections of Maryland Inc
10.2009 - 02.2012
Harvard Leadership And Management Preparation Prog - Leadership Skills,
Macquarie University - Excel Classes, Basic And Intermediate Skills
Fred Pryor Seminars - Growth And Ongoing Manager Training ,
International Business College - Legal Diploma And GED,