Jeffrey Advento

• Analyzed customer data such as financial statements to determine level of risk involved for extending credit
• Performing cash flow analysis of businesses to determine risk involved in extending credit
• Determine likelihood that client will honor their financial obligations and their ability to repay back loan
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews
• Analyzed credit scores to determine borrowers' creditworthiness
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags

• Safely operate trains ensuring compliance with all orders, signals, railroad rules and regulations for safety operations.
• Responsible for 200-300 passengers per day to their destination.
• Assist Customers/Passengers any questions and concerns before and after when train is in route.
• Conferred with Train Attendants and traffic control center personnel via radio phones to issue and receive information concerning stops, delays and oncoming trains
• Ensure that operating conditions are maintained within acceptable parameters and to take action in emergency or unusual situations
• Followed current orders to smoothly couple, uncouple and switch rail cars

• Responsible for account planning and execution necessary to achieve customer satisfaction, revenue quota and strategic goals
• Provided debt consolidation options to establish solution to their immediate needs.
• Managed over 40-50 customer calls per day
• Cold called prospects to explain partnership benefits, representing company values
• Maintained contact information database by keeping account details updated, clear and relevant

• Managed over 80-100 calls in collecting loans and payments.
• Committed to securing client payments and settling account matters through effective negotiations and efficient staff management
• Skipped traced accounts and probed information from pre-existing references, Maintained customer account information in detailed manner.
• Identified key entry points to enhance market penetration and maximize returns

• Supervised and Assisted 15-20 employees on the H.A.M.P. Program

• Review Credit Reports, determine • their current financial status
• Supervised and completed initial training for new employees
• Assisted team members in achieving monthly goals by providing a second voice
• Skipped traced accounts and probed information from pre-existing references
• Maintained customer account information in a detailed manner
• Worked within all FDCPA (Fair Debt Collection Practice Act) guidelines
• Handled short sales and reviewed Financial Packages To assist 3rd Party Lender
• Conducted inbound and outbound calls for collections and loss mitigation accounts
• Assisting Mortgage Lenders by doing warm transfers and providing borrowers status