Karla Tirado
Boca Raton
Summary
Results-driven Collection Representative with extensive experience in credit risk analysis and loss mitigation. Proven track record in managing delinquent accounts, preparing legal documentation, and ensuring adherence to regulations. Recognized for enhancing operational efficiency and delivering customer-focused solutions.
Overview
20
20
years of professional experience
Work History
Collection Paralegal
KAYE BENDER REMBAUM, P.L.
01.2024 - Current
- Draft and review collections demand letters, lien filings, and foreclosure pleadings to ensure legal compliance and effectiveness.
- Conduct research on property records, liens, and titles
- Update clients, property owners, and attorneys on case status to facilitate informed decision-making and timely actions.
- Draft and respond to correspondence related to collection and foreclosure matters.
- File documents with courts electronically and manually, ensuring compliance with local rules and procedures.
- Assist attorneys in preparing for hearings, mediation, and trials.
- Coordinate with clients to monitor payment plans and resolve delinquent accounts, enhancing overall debt recovery efforts.
Credit Risk Analyst - Advisory Services
FIRST CITIZENS BANK - SILICON VALLEY BANK
01.2016 - 01.2024
- Monitor delinquency of the bank's residential portfolio loans, which includes First mortgages, HELOCs, First-time Buyer programs (soft second and Equity Builder).
- Maintained knowledge and full understanding of applicable federal and state banking laws, internal policies, and procedures. Fully complied with laws, regulations, policies and procedures while executing collections activities.
- Reviewed and recommended accounts for foreclosure and legal action, facilitating timely resolution of delinquent loans.
- Coordinated with department manager on bankruptcy filings and determined next steps for handling delinquent loans, ensuring compliance with legal standards.
- Oversaw the valuation of foreclosure property (REO), ensuring proper documentation in all transactions, choosing and overseeing acceptable method of collateral liquidation.
- Provided financial counseling to borrowers to discuss and resolve established limits and procedures.
- Processed loss mitigation requests and recommended payment plans, foreclosure, or modifications to management, aiding in effective decision-making for loan management.
Customer Service Representative/Billing Specialist
DEDHAM-WESTWOOD WATER DISTRICT
01.2012 - 01.2016
- Handled customer inquiries on accounts, meter readings, and billing, improving overall service efficiency.
- Corrected billing errors, issued revised bills, improving financial accuracy.
- Streamlined billing processes to improve accuracy, contributing to fewer customer complaints regarding billing discrepancies.
- Audited and corrected route sheets, ensuring accurate billing and customer satisfaction.
- Prepared service orders for inquiries, addressing issues from audits and exception reports to ensure timely resolutions.
- Supported Accounting Supervisor with payment analysis, ensuring timely collections.
Senior Collection Representative / Bookkeeping / Accounts Receivable
CHARTIS INSURANCE/AIG
01.2006 - 01.2012
- Collected over $5 million monthly, ensuring efficient cash allocation and distribution.
- Reviewed legal referrals to streamline collection processes and minimize delays.
- Approved refunds to maintain accurate processing and enhance customer satisfaction.
- Served as a key contact for internal and external clients, resolving inquiries promptly.
- Contributed to special projects focused on process improvements and operational efficiency.
Education
Associate of Applied Business - Business Administration
BAY STATE COLLEGE
BOSTON, MA06-2024
How to Provide Effective Front Line Customer Service -
NEW ENGLAND WATER WORKS ASSOCIATION
01-2016
99 Hours of SABRE Training -
TRAVEL EDUCATION CENTER
CAMBRIDGE, MA01-1998
High school diploma -
NORWOOD HIGH SCHOOL
NORWOOD, MA01-1996
Skills
- Consumer Collections
- Debt collection strategies
- Delinquency Reporting
- Residential Loan Servicing
- Foreclosure process knowledge
- Regulatory compliance
- Document Review
- Quality Assurance
- Call Monitoring
- Management Reports
- Microsoft Office
- Salesforce
- Fiserv
- Encompass
- Sap
- Emis
- Eprs
- Customer Communications
- Customer Service
- Property research
- Filing Procedures
- Time Management
- Bilingual - English / Spanish
- Spanish fluency
References
Available upon request
Timeline
Collection Paralegal
KAYE BENDER REMBAUM, P.L.
01.2024 - Current
Credit Risk Analyst - Advisory Services
FIRST CITIZENS BANK - SILICON VALLEY BANK
01.2016 - 01.2024
Customer Service Representative/Billing Specialist
DEDHAM-WESTWOOD WATER DISTRICT
01.2012 - 01.2016
Senior Collection Representative / Bookkeeping / Accounts Receivable
CHARTIS INSURANCE/AIG
01.2006 - 01.2012
Associate of Applied Business - Business Administration
BAY STATE COLLEGE
How to Provide Effective Front Line Customer Service -
NEW ENGLAND WATER WORKS ASSOCIATION
99 Hours of SABRE Training -
TRAVEL EDUCATION CENTER
High school diploma -
NORWOOD HIGH SCHOOL