Joseph Silva
La Mesa,CA
Summary
Dynamic Loan Servicing Supervisor at Mega Auto Finance with a proven track record in reducing delinquency rates and enhancing operational efficiency. Skilled in problem resolution and loan portfolio management, I foster collaboration across departments to ensure seamless borrower experiences and drive team success.
Overview
26
26
years of professional experience
Work History
Loan Servicing Supervisor
Mega Auto Finance
San Diego, CA
12.2015 - Current
- Collaborated with other departments to create a seamless experience for borrowers during the loan lifecycle.
- Coordinated with underwriting teams to facilitate smooth transitions between stages in the lending process, minimizing delays for customers awaiting funding decisions.
- Reduced delinquency rates by proactively addressing potential issues and providing personalized solutions for borrowers.
- Conducted regular audits of loan files for accuracy, identifying discrepancies and rectifying them promptly.
- Performed supplier risk evaluations and supported regulatory inspections.
- Performed monthly portfolio balancing. Ensured that our accounting records balanced with actual transactions.
- Daily audits of system balance sheets compared to bank transactions.
- Responsible for all insurance claims and legal proceedings.
Senior Account Executive
Balboa Thrift and Loan
Chula Vista, CA
01.2010 - 12.2015
- Utilized CRM tools effectively to manage client information and track progress on accounts, leading to more accurate forecasting and pipeline management.
- Mentored junior account executives, fostering a positive work environment and encouraging professional growth.
- Increased account retention by building strong relationships with clients and addressing their needs promptly.
- Collection of delinquent automotive contracts
- Prepared and submitted loan modification agreements.
Collections Manager
ACC Consumer Financial
San Diego, CA
06.2005 - 01.2010
- Researched accounts and completed due diligence to resolve collection problems.
- Reviewed, researched, and corrected discrepancies and customer concerns.
- Oversaw daily posting of payments to customer accounts.
- Improved overall collections efficiency by implementing strategic collection plans and processes.
- Enhanced team performance through regular training, coaching, and feedback sessions.
- Established procedures for collection of past due amounts.
Underwriter
Full Spectrum Lending
San Diego, CA
06.2002 - 03.2005
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Senior Mortgage Loan Processor
Ameriquest Mortgage
Chula Vista, CA
03.1999 - 02.2002
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
- Promoted teamwork within the department by fostering an inclusive environment and encouraging open communication among colleagues.
- Improved interdepartmental communication by establishing clear protocols for sharing information among team members.
Education
High School Diploma -
Garfield High School
San Diego, CA06-1995
Skills
- Problem resolution
- Operational efficiency
- Documentation review
- Payment processing
- Collections management
- Loan modification
- Loan portfolio management
- Teamwork and collaboration
- Self motivation
Accomplishments
My last two employers required no interview, and was hired based on my proven track record. I am humble, but very determined to achieve my goals.
Timeline
Loan Servicing Supervisor
Mega Auto Finance
12.2015 - Current
Senior Account Executive
Balboa Thrift and Loan
01.2010 - 12.2015
Collections Manager
ACC Consumer Financial
06.2005 - 01.2010
Underwriter
Full Spectrum Lending
06.2002 - 03.2005
Senior Mortgage Loan Processor
Ameriquest Mortgage
03.1999 - 02.2002
High School Diploma -
Garfield High School