Joseph Barajas
Summary
Experienced Loss Mitigation Specialist serving over 9 years in customer facing roles for many lenders and clients. Proven track record of a high resolution rate to exceed department goals. Passionate about foreclosure prevention and driving successful financial resolutions. Natural leader with a positive tone skilled in deescalation, attention to detail, empathetic customer interactions and encouraging an effective team moral.
Overview
13
13
years of professional experience
Work History
Loss Mitigation Specialist
NewRez
06.2024 - Current
- Proactively seek long term resolution on each call
- Track and follow reinstatement arrangements made
- Submit detailed Homeowner income and expense reports for a loss mitigation review
- Discuss Loss Mitigation Decision Letters
- Provide Clear instructions and stress urgency for workout dates
- Sensitive and professional liquidation referrals
- Quickly resolve payment history inquiries
Loss Mitigation Specialist
Computershare SLS
10.2015 - 05.2024
- Maintained a high volume of inbound and outbound calls 90 days+ delinquency, retention and liquidation
- Managed a revolving pipeline above 130 cases
- Submitted Homeowner income and expenses for a streamline loss mitigation review
- Collected Homeowner documents for loss mitigation review
- Communicated loss mitigation decisions and ensured Homeowner response.
- Followed up with Realtors and Closers to secure liquidation requirements
- Scheduled Repayment Plans
Collections Coach
Nationwide Credit Inc.
11.2013 - 10.2015
- Coached agents by sitting side by side or by private call listening
- Took talk off phone calls for extra collection efforts
- Walked the call center floor answering questions for agents on active calls
Associate Manager
Little Caesars
11.2011 - 10.2019
- Created work schedules for all store associates
- Hired and trained for procedures and food safety
- Completed daily revenue banking reports
- Maintained inventory requirements
Education
High School Diploma -
Chandler High School
Chandler, AZSkills
- Team Motivator
- Goal Driven
- Empathetic to others
- Strong finance mathematics
- Punctual time management
- Experience servicing 1st and 2nd lien mortgages
- Experience servicing HELOCS, unsecured debts and commercial loans
- Collections experience
- Attention to regulation
Timeline
Loss Mitigation Specialist
NewRez
06.2024 - Current
Loss Mitigation Specialist
Computershare SLS
10.2015 - 05.2024
Collections Coach
Nationwide Credit Inc.
11.2013 - 10.2015
Associate Manager
Little Caesars
11.2011 - 10.2019
High School Diploma -
Chandler High School