Jose Alegria

• Completes activities within the Credit Collections department across assigned locations, including implementation of company’s policies and procedures related to credit and collection activities; ensures effective handling of collection of delinquent accounts and investigating the credit risks of customers and suppliers.

• Recommends and/or approves decisions regarding adjustments to customer accounts, and referral of overdue accounts for legal action.

• Coordinates area collection decisions with management teams and sales departments.

• Manages delinquent receivables, negotiates special customer payment plans and participates in development of financial packages.

• Monitors credit activity including monthly review of large accounts, location compliance with credit policies and procedures, lien laws and sales tax laws.

• Works closely with Credit Management and field leadership to resolve difficult collection cases.

• Responsible for the implementation and adherence to company credit/collection policies, practices, and procedures across one or multiple geographic areas.

• Responsible for meeting monthly credit goals.

• Applied grades to each loan application based on established criteria to keep institutional risk low.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
• Maintained mortgage program compliance with federal agencies such as Fannie Mae and Freddie Mac.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Utilizing DU and LP systems (AUS)
• Managed to be top 10 Underwriter in production and quality

• Conduct statistical analysis to identify the strengths and weaknesses of the application highlighting delin- quency and negative trends and obtain a full understanding of the credit application
• Generate financial ratios to evaluate applicants repayment and financial capacity by determining debt to income for consumers revolving utilization and availability
• Transition Assistant for the Portfolio Risk Review Department and overseeing new hires
• Training them on Portfolio Risk review processes
• Department attendance tracking for Application Calibrations, Huddle and Ops Highlight and make-up Ap- plication Calibrations
• Making real time/on-line decision through risk systems justifying all recommendations.

• Worked with members in all banking needs and assisted in the resolution of any problems or concerns, rec- ommended and implemented follow-up program to ensure positive customer experience
• Responsible for referring and opening credit cards within the branch
• Daily and weekly audits of all work completed assured it was accurate and organized
• Peer mentor and employee liaison for management
• Was in the process of becoming a financial advisor.

• Assured drawer was balanced by the end of the night
• Referred many new and existing clients to open up any loans/credit cards/etc
• C lick to