Joseph Pratti
West Palm Beach,FL
Summary
Efficient professional with 5+ years of experience and a proven knowledge of Sales Negotiation and Customer Accounting. Seeking to utilize my expertise to excel in a high-level sales role.
Overview
7
7
years of professional experience
Work History
Certified Debt Specialist
National Debt Relief
West Palm Beach, FL
03.2023 - Current
- Provide financial solutions to clients who are dealing with a multitude of different types of burdening debt such as personal loans, business loans, cash advances, repossessed property debt, etc.
- Maintain the utmost professionalism in every conversation with clients, even in cases where a distressed client becomes vulgar or inappropriate.
- Complete an in depth assessment of a client's financial standings in order to provide financial solutions to clients who are dealing with hardships relating to their debt.
- Complete daily cycles of follow up calls/emails to client's in order to retain business and convert clients at a higher percentage.
- Maintain constant communication with management/co-workers via Microsoft teams in order to improve overall knowledge, revise sales skillset, and to stay updated on CRM changes, compliance updates, etc.
- Perform outbound calls to clients who have inquired for debt relief services online, as well as receive inbound calls from a variety of different company marketing queues.
- Educate clients on the different options they pre-qualify for by providing an in depth explanation of how each program works to get them debt free.
- Review company reporting in order to identify areas to self-improve, while also assisting team members advance their skillset.
Payment Processing Supervisor
Bayview Asset Management
Miami, FL
03.2022 - 02.2023
- Oversaw incoming mortgage payments for both the commercial large balance portfolio, as well as residential assets within the finance department.
- Managed a team of onshore and offshore employees that process mortgage payments for seven different payment channels.
- Reviewed daily reporting for each payment channel to identify misapplied funds within the payment processing department.
- Researched and rectified payment postings that were erroneously applied to borrower accounts.
- Coordinated with upper level management and specialists from other departments to expedite research on misapplied funds and missing capital.
- Coached both onshore and offshore employees on new processes that were established within the department.
- Reconciled incoming funds using reports that display money received by our bank vendors, and comparing those funds to what was posted to our borrower accounts.
- Reviewed compliance protocols weekly in order to adjust accounting procedures if necessary.
- Developed relationships with the commercial and residential asset managers in order to properly communicate critical information to our borrowers.
- Implemented performance strategies in order to meet quality standards.
- Compiled data from all payment channels in order to meet investor reporting goals and end of year deadlines.
- Educated myself on the functions of every role within each department by shadowing my team to further understand their needs and provide coverage in the event that they are absent.
Mortgage Loan Originator
Bayview Asset Management
Miami, FL
02.2021 - 03.2022
- Completed a high volume of outbound calls and emails to mortgage borrowers that have a strong potential to benefit from completing a refinance.
- Built a multitude of different loan applications for various mortgage products such as FHA, VA, and Conventional loans.
- Pre-qualified and pre-approved clients for future property purchases.
- Qualified borrowers for a refinance based on their income, credit score, debt obligations, and property value.
- Maintained a high level of customer satisfaction by building rapport and responding to borrowers in a timely manner.
- Saved borrowers on their monthly mortgage payment by significantly reducing their interest rate.
- Maintained contact and relationships with co-workers virtually to create a more productive and enjoyable sales environment.
- Maintained inbound call availability while responding to borrowers that inquire about email offers I have sent them in reference to refinancing.
- Assisted borrowers in obtaining equity in their property to consolidate/lower monthly debt, complete home improvements, or simply have cash on hand.
- Adapted to market conditions by adjusting sales pitch and email refinance offer templates.
- Followed up with management questions and requests.
- Assessed financial means and desires of each borrower in order to set up appropriate mortgage packages.
Mortgage Loan Processor
Bayview Asset Management
Miami, FL
10.2020 - 02.2021
- Prepared escrow accounts by referring to information provided by prior mortgage servicers, as well as tax certifications from the proposed title company.
- Requested documents from borrowers in order to satisfy pre-approval conditions.
- Connected with title companies to clarify if judgments listed on title were bona-fide, as well as confirming closing dates with the title company.
- Maintained positive relationships with borrowers to retain business and receive documents at a quicker pace.
- Completed full overview of 1003 applications taken by the Loan Officer to cure any discrepancies.
- Contacted County Treasurer Offices in to clarify discrepancies with property tax disbursement amounts.
- Reviewed title documents to check for any additional liens/judgments, also to determine property type.
- Assisted borrowers with completing state required forms.
- Managed any conditions sent from the underwriting department.
- Confirmed closing dates/times with borrowers to close files and obtain business.
- Reviewed documents sent by borrowers to verify that the files are sufficient and not expired.
- Confirmed that disclosure documents were received and acknowledged by borrowers.
- Cleared any compliance fails populated in the system.
- Maintained high levels of professionalism with borrowers, as well as every employee in the company.
Mortgage Loan Originator
PHH Mortgage Corporation
West Palm Beach, FL
11.2019 - 07.2020
- Analyzed borrower's financial status, credit, and property worth to determine a long term benefit.
- Explained to borrowers the different types of loans and products that were available, as well as the terms of those services.
- Handled customer complaints and took appropriate action to resolve them.
- Worked with clients to identify their financial goals and found ways to reach those goals.
- Referred to underwriters through "scenario review" to obtain an early determination if a specific loan may have had a high risk of denial.
- Maintained constant contact with borrowers through the processing, setup, underwriting, and closing stages.
- Refreshed my knowledge on mortgage overlays and laws at the beginning of every week.
- Networked with my colleagues to stay updated within the company as well as sharing different sales tactics.
- Worked with processors and sales support agents to obtain any additional required documents necessary to transfer over to underwriting.
- Maintained a positive attitude and assisted any colleagues that were in need of my help.
- Practiced mirroring clients' tone and personality in order to build rapport.
Car Salesman
Prime Car Rental
Pompano Beach, FL
06.2019 - 10.2019
- Answered direct inbound calls for clients interested in vehicles they saw published on the company website and other marketing sources such as Facebook Ads.
- Contacted clients via outbound calls that opted in on the company website or other marketing sources about a specific vehicles they were interested in.
- Established long-term relationships with clients through rapport building, transparency, and excellent customer service.
- Negotiated with clients on vehicle prices or convinced clients to consider other vehicles in the inventory if they were no longer interested.
- Assisted clients in allocating specific vehicle specs through partner dealerships, in the event the vehicle requested is not available in the inventory.
Sales Associate
Target
Deerfield Beach, FL
08.2017 - 05.2019
- Attended to guest needs and finding products/solutions.
- Sold high ticket items in the electronics department to exceed daily sales quotas.
- Handled refunded purchases in the Exchanges and Replacements section.
- Dealt with customer complaints regarding products/promotions.
- Stocked sections on the sales floor or “zoning” to make sure the store has a clean image.
Education
High School Diploma -
Western High School
Davie, FL06.2017
Skills
- Business Level speaking, reading, and writing
- Experienced in sales and negotiation
- Ability to work independently or coordinate with other employees to provide solutions for company issues
- Proficient in customer service communication
- Experienced in follow up procedures to retain business and maintain customer satisfaction
- Ability to work high levels of overtime
- Skilled in customer accounting reconciliation
- IAPDA Certified Debt Specialist
- NMLS Licensed Mortgage Loan officer
Timeline
Certified Debt Specialist
National Debt Relief
03.2023 - Current
Payment Processing Supervisor
Bayview Asset Management
03.2022 - 02.2023
Mortgage Loan Originator
Bayview Asset Management
02.2021 - 03.2022
Mortgage Loan Processor
Bayview Asset Management
10.2020 - 02.2021
Mortgage Loan Originator
PHH Mortgage Corporation
11.2019 - 07.2020
Car Salesman
Prime Car Rental
06.2019 - 10.2019
Sales Associate
Target
08.2017 - 05.2019
High School Diploma -
Western High School