MELISSA HAYDEN
Katy,Texas
Summary
Motivated professional offering Associates degree in Legal Studies. Adds value to any organization in need of great collaboration, interpersonal and multitasking abilities. Meets tight deadlines and quick learner.
Overview
19
19
years of professional experience
Work History
Collector
FIRST SERVICE CREDIT UNION
Houston, Texas
12.2022 - Current
- Establish resolutions to determine sufficient repayment plans
- Provide settlement options and payment arrangements to resolve debt
- Handle inbound and outbound calls (approximately 100 per day)
- Determine further action on charged-off accounts
- Communicate with internal and external customers
- Skiptrace to locate delinquent members.
Loan Processor
PHH MORTGAGE
Houston, Texas
08.2021 - 08.2022
- Reviewed heir payoff applications and determined if heir qualified for program, then requested and processed documents to grant approvals for settlement offers
- Organized and processed loan documentation
- Reviewed loan files to determine best loss-mitigation solution for customer
- Communicated with internal and external customers
- Maintained pipeline of 60 to 90 accounts while funding at least 10% of monthly loans
- Adhered to all HUD guidelines
- Saved company over $300,000 in curtailment losses.
Recovery Specialist
WORLD OMNI FINANCIAL CORP.
Earth City, Missouri
10.2015 - 07.2021
- Established resolution for delinquent borrowers to pay on vehicles no longer possessed
- Provided settlement options and payment arrangements to resolve debt
- Handled inbound and outbound calls (approximately 100 per day)
- Adhered to all privacy and compliance laws (i.e., FDCPA, CFPB, and UDAAP guidelines)
- Skip-traced to locate delinquent borrowers
- Determined further action on charged-off account (i.e., garnishment and agency).
Loss-Mitigation Specialist
GREEN TREE SERVICING, LLC
Earth City, Missouri
03.2011 - 10.2015
- Collected on delinquent mortgage accounts
- Skip-traced to verify place of employment and assets
- Handled billing issues and provided assistance to help customers maintain their homes
- Assisted attorneys regarding foreclosures and hearings
- Adhered to all privacy and compliance laws (i.e., FDCPA laws, landlord and tenant laws, and state compliance laws).
Recovery Specialist
UNITED AUTO CREDIT
Earth City, Missouri
08.2010 - 01.2011
- Collected on delinquent vehicle payments of customers who still had vehicles in their possession
- Handled billing issues and provided assistance to help customers maintain vehicles
- Performed inbound and outbound calls on delinquent and current accounts
- Upsold current customers on additional maintenance warranties
- Skip-traced to locate place of employment and location of vehicle on delinquent customers
- Assisted recovery services during repossession process.
Special Person of Contact (SPOC)
GREEN TREE SERVICING, LLC
Earth City, Missouri
02.2005 - 08.2010
- Collected on delinquent mortgage accounts
- Skip-traced to verify place of employment and assets
- Handled billing issues and provided assistance to help customers maintain their homes
- Assisted attorneys regarding foreclosures and hearings
- Adhered to all privacy and compliance laws (i.e., FDCPA, landlord-tenant, and state).
Education
A.A.S., Legal Studies -
FLORISSANT VALLEY COMMUNITY COLLEGE
Skills
- Customer Relations
- Skip Tracing
- Repayment Negotiations
- Account Review
- Billing Dispute Resolution
- Credit And Collections
- Collection Law Compliance
- Verbal And Written Communication
- Excellent Communication Skills
- Quick Learner
Timeline
Collector
FIRST SERVICE CREDIT UNION
12.2022 - Current
Loan Processor
PHH MORTGAGE
08.2021 - 08.2022
Recovery Specialist
WORLD OMNI FINANCIAL CORP.
10.2015 - 07.2021
Loss-Mitigation Specialist
GREEN TREE SERVICING, LLC
03.2011 - 10.2015
Recovery Specialist
UNITED AUTO CREDIT
08.2010 - 01.2011
Special Person of Contact (SPOC)
GREEN TREE SERVICING, LLC
02.2005 - 08.2010
A.A.S., Legal Studies -
FLORISSANT VALLEY COMMUNITY COLLEGE
Similar Profiles
Nathan RobinsonNathan Robinson
Junior Network Administrator at First Service Credit UnionJunior Network Administrator at First Service Credit Union
Christian HernandezChristian Hernandez
Relationship Banker at First Service Credit UnionRelationship Banker at First Service Credit Union
Alexa GanglAlexa Gangl
Consultant at Canvas Credit Union, formally Public Service Credit UnionConsultant at Canvas Credit Union, formally Public Service Credit Union