Gregory Patterson
MIDDLETOWN,CT
Summary
Seasoned Collector with a competitive mindset and desire to excel. Proficient in evaluating accounts, following up with customers and resolving issues. Excellent communication, planning and conflict resolution skills.
Overview
18
18
years of professional experience
Work History
Collector
Waterbury Teachers Federal Credit Union
Middlebury, CT
06.2018 - Current
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Persistently reached out to customers with extremely past due accounts to recover lost revenue.
- Contacted customers to discuss payment schedules and set up or immediately process payments.
- Negotiated with account holders to devise repayment plans and minimize collections receivables.
- Evaluated, researched and resolved discrepancies.
- Achieved performance goals on consistent basis.
- Used skip tracing and other techniques to locate debtors.
- Complied with fair debt practices and regulatory guidelines and kept current with changing regulations.
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Maintained high volume of calls and met demands of busy and productive group.
- Managed past due collection calls, skip tracing, outside collections agency coordination and litigation activities.
- Collected on past due accounts with average 1 month delinquency.
- Documented changes in accounts and on credit reports.
- Set up drafts and processed immediate payments after conducting thorough research and analysis of account.
Uber Driver
Uber Technologies Inc.
MIDDLETOWN, CT
01.2017 - 05.2020
- Delivered goods and products to customer on time and in excellent condition.
- Cleaned and maintained vehicle and assessed vehicle for damage after each shift.
- Completed routine pre- and post-trip inspections to evaluate vehicles and assess maintenance needs.
- Achieved consistent safety targets by adjusting driving to different road and traffic conditions, balancing loads and avoiding dangerous driving actions.
- Planned and adjusted optimal routes based on traffic and weather conditions.
- Assisted passengers with entering and exiting vehicles safely and securely stowed baggage to minimize damage risk.
Senior Mortgage Loan Processor
Wells Fargo
West Hartford, CT
01.2015 - 01.2018
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Communicated with originator and applicant concerning progress of loan file.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies and government clerks.
- Oversaw file input in mortgage software and grant-specific software.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Consulted with outside vendors to identify and resolve loan closing issues.
Sr. Mortgage Specialist
1st Niagara Bank
New Haven, CT
05.2007 - 12.2014
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
Education
No Degree - Clerical Office
Opportunities Industrialization Center - (OIC)
New London, CTHigh School Diploma -
Middletown High School
Middletown, CT06.1985
Skills
- Credit Adjustments
- Account Reviews
- Correspondence Writing
- Information Updates
- Delinquent Account Management
- Skip Tracing
- Fair Debt Practices
- Repayment Negotiations
- Debt Management
- Collections Regulatory Guidelines
- Term Negotiations
- Billing and Collections Best Practices
- Persuasion Techniques
- Repayment Plan Structuring
- Payment Acceptance
- Collection Scheduling
Timeline
Collector
Waterbury Teachers Federal Credit Union
06.2018 - Current
Uber Driver
Uber Technologies Inc.
01.2017 - 05.2020
Senior Mortgage Loan Processor
Wells Fargo
01.2015 - 01.2018
Sr. Mortgage Specialist
1st Niagara Bank
05.2007 - 12.2014
No Degree - Clerical Office
Opportunities Industrialization Center - (OIC)
High School Diploma -
Middletown High School
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