Michael Barreras
Celina,TX
Summary
Energetic professional successful at motivating and building positive team dynamics to accomplish aggressive goals. Dedicated to open, communicative culture where employees feel empowered to contribute to company's success.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Recovery Manager, Bankruptcy Skip Tracer, Customer Service/Pre-30’s/Backsheet Supervisor
Westlake Financial
03.2016 - Current
- Responsible for managing and collecting charged-off auto accounts that are no asset/need asset.
- Delivered outstanding collection results through the implementation of innovative policies and procedures
- Oversaw hiring and established new calling center in Agoura Hills, CA
- Worked closely with Human Resources in developing career fairs at local colleges to find part-time and full-time candidates
- Department consistently collected over $4-5 million monthly
- Consistently ranked as top collector collecting over $100k monthly and having 100% compliance with quality assurance monitors
Realtor
Keller Williams Realty - Exclusive Properties
06.2015 - 03.2016
- Assist buyers and sellers in finding and purchasing their dream homes as well as selling their homes
- Represent buyers and sellers in real estate negotiations and transactions
Account Representative
Onshore Marketing Solutions, Inc
10.2013 - 12.2015
- B2B sales retaining existing and new accounts for small, medium and large newspapers across the nation
- Deliver outbound telemarketing services for newspapers nationwide
- Maintain pipeline of established accounts monthly to continue service
- Build pipeline by referrals and continuous calling on lists
Loss Mitigation Supervisor
PennyMac
02.2013 - 07.2013
- Managed loss mitigation portfolios that included FHA, VA, GSE, HHF, HAMP UE, Trial Plan Payments, Repayment Plans and 2nd MOD Reviews
- Developed call flow process, quality assurance monitor guidelines, and employee monthly goals and expectations
- Assisted with testing and conversion of LAMP and LAFA
- Consistently exceeded Fannie Mae and Freddie Mac guidelines, policies and procedures
- Collected $250k on a high balance loan and set up customer on trial plans
File Researcher III
Randstad (Bank of America)
10.2011 - 07.2012
- Reviewed mortgage and collateral files for an initial screening to determine evidence of a direct relationship between loss mitigation procedural errors and harm to the borrower
- Assisted with testing, development and implementation of Case Tracker (RFI database)
- Performed internal audits to verify efficiency of bank policy and procedures
- Evaluated whether or not loss mitigation procedures were correctly executed within applicable state and federal laws
- Researched whether or not foreclosure proceedings were processed in accordance with applicable state and federal laws, to include SCRA and US Bankruptcy Codes
Account Executive
Leaders Merchant Services
Camarillo
04.2011 - 09.2011
- Set up and opened 25-30 new merchant accounts per month for businesses
- Number one in converting recycled leads to sales of new merchant accounts
Operations Supervisor
JP Morgan Chase
01.2007 - 04.2011
- Managed numerous teams in loan liquidation, curing foreclosures, prequalifying customers for loan modifications, repayment plans, short sales and deeds
- Oversaw and monitored team objectives and enhanced employee development through effective coaching and training
- Accountable for teams achieving or exceeding monthly goals and passing quality assurance monitors
- Consistently ranked as top manager
- Extensive knowledge of FDCPA, bankruptcy, foreclosure and loss mitigation policies and procedures
Loan Advisor
New Century Mortgage (Home 123 Mortgage)
11.2005 - 12.2006
- Cross-trained in loan processing, underwriting, and post closing activities
- Obtained and evaluated customer information on mortgage loan documents to determine if buyer, property and loan conditions meet program specifications
- Achieved agreed upon minimum loan volume and closing ratios
- Current knowledge of all Fannie Mae, VA, and FHA guidelines as well as all federal and state laws pertaining to the mortgage-banking industry
Section Manager
Washington Mutual Bank/ JP Morgan Chase
09.2002 - 12.2005
- Responsible for managing the loss mitigation solicitation and negotiation teams consisting of 50+ employees
Education
Professional Program - Producing
UCLA
Los Angeles12.2000
BFA - Bachelor of Arts
San Diego State University
San Diego05.1998
Skills
- Problem Solving
- Time Management
- Team Building and Leadership
- Verbal and Written Communication
- Call Center Operations
- Quality Assurance
- Performance Assessment
- Multitasking and Organization
- Microsoft Suite
- Citrix
- Customer Care Workbench
- AS400
- Early Resolution
- Quandis
- I-Portal
- RDN
- OFSLL
- Collections App
- Skip Tracing tools
- Fastrieve
- Davox Dialer System
- Avaya
- LPS
- Lender Live
Certification
Real Estate Salesperson License, California Bureau of Real Estate, CalBRE# 01979652, Not currently active, 06/01/15
Personal Information
Title: Recovery Manager
Timeline
Recovery Manager, Bankruptcy Skip Tracer, Customer Service/Pre-30’s/Backsheet Supervisor
Westlake Financial
03.2016 - Current
Realtor
Keller Williams Realty - Exclusive Properties
06.2015 - 03.2016
Account Representative
Onshore Marketing Solutions, Inc
10.2013 - 12.2015
Loss Mitigation Supervisor
PennyMac
02.2013 - 07.2013
File Researcher III
Randstad (Bank of America)
10.2011 - 07.2012
Account Executive
Leaders Merchant Services
04.2011 - 09.2011
Operations Supervisor
JP Morgan Chase
01.2007 - 04.2011
Loan Advisor
New Century Mortgage (Home 123 Mortgage)
11.2005 - 12.2006
Section Manager
Washington Mutual Bank/ JP Morgan Chase
09.2002 - 12.2005
Professional Program - Producing
UCLA
BFA - Bachelor of Arts
San Diego State University
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