Summary
Overview
Work History
Education
Skills
Timeline
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Michael Fleming

Chandler,Arizona

Summary

Long term, career position in a team oriented corporate environment. Open to new paths in the Customer Service / Collection Industry. A position with a stable firm and the ability to excel are most desirable. Dedicated financial professional knowledgeable about collections and credit processes. Consistently reaches out to customers in default to discuss status, choices and repayment options. Adept at collaborating with borrowers and bank representatives to find mutually beneficial solutions. Service-oriented and responsible with good understanding of real estate practices and financial regulations. Well-versed in options such as short sales to avert foreclosing on properties. Well-organized and detail-oriented with systematic approach. Experienced Loss Mitigation Specialist offering 8+ years in industry. Outstanding customer service and administrative skills.

Overview

12
12
years of professional experience

Work History

Loss Mitigation Specialist

SERVBANK
01.2023 - Current
  • Reached out to borrowers to discuss current status and loan workout options.
  • Helped customers navigate options to maintain homeownership.
  • Checked property valuations to assess foreclosure feasibility.
  • Discussed property liquidation options with customers.
  • Assessed clients' financial data to determine loan suitability.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.
  • Provided reinstatement and payoff quotes to clients.
  • Assisted with short sales and deed in lieu processes.
  • Evaluated pay stubs, credit history, tax information and bank statements for financial status.
  • Remained updated with latest information related to mortgage products and services being offered.

Enrollment Advisor

Freedom Financial Network
02.2019 - 01.2022
  • Responsible for contacting potential clients and explain the program to them and transfer client to Debt Consultant and the DC would enroll client
  • Contacting potential customer by Ingoing and Outgoing calls and will use SMS and Emails to follow up with potential customers
  • Finalized and processed enrollment applications.
  • Met or exceeded enrollment and retention goals consistently.
  • Provided policy information and maintained enforcement.
  • Communicated details about available classes, materials and services.
  • Reached out to applicants via calls, texts, emails and social media.
  • Helped students complete applications and navigate admissions processes.
  • Provided prospective or new students with information about educational and career planning, university resources and academic programs.
  • Created and followed call scripts and flows to maximize effectiveness.

Late Stage Account Manager / Early Payment Default

Santander Consumer USA
04.2016 - 01.2019
  • Responsible for collecting on accounts that are delinquent from Zero to Charged Off accounts
  • Duties include calling on delinquent accounts to have clients make payments on their accounts to bring them current according to the contracts they signed
  • Assisting clients is developing cure plans to get customer back on track with making payments on their due date
  • Assisting with sending documents to clients for RMOD’s as well resending documents for REXT, (Extensions) as well as documenting Complaints and Inquiry
  • Assisting team with coaching and developing, jumpstart meetings, as well as sending out the day’s strategy for team to follow
  • Exemplary Accomplishments #1 in collecting through 2018 to 2019

Admission Representative

Delta Education
05.2012 - 01.2014
  • Inbound /Outbound call center enrolling Middle School and High School students for programs in National Youth Leadership forum for National Security, National Youth Leadership forum for Law and CSI, National Youth Leadership forum for Medicine, Junior National Young Leaders Conference, and National Young Scholar Program
  • Educate parents on the proper program for the student
  • Receive payments by credit card or mailing in cashier’s checks
  • Supported students through admissions process by answering questions and assisting with forms.
  • Accurately inputted patient and insurance information into company's computer system using [Software].
  • Explained admissions procedures and courses offered to potential students.
  • Reviewed admissions applications to check students' eligibility for acceptance.
  • Collaborated with various departmental staff to organize activities, presentations and meetings for potential enrollees.
  • Maximized enrollment working closely with students and parents to boost conversion rates of prospective students to 95.2%.

Education

Business Administration - Business

Southern University
Baton Rouge, LA

Associate of Arts - Business

Vocational Training: Community Colleges of Texas
Dallas, TX

Skills

  • Coordinating Records
  • Maintaining Payment Histories
  • Submitting Files
  • Customer Relations
  • Credit File Updating
  • Creditworthiness Determination
  • Payment Schedule Computation

Timeline

Loss Mitigation Specialist

SERVBANK
01.2023 - Current

Enrollment Advisor

Freedom Financial Network
02.2019 - 01.2022

Late Stage Account Manager / Early Payment Default

Santander Consumer USA
04.2016 - 01.2019

Admission Representative

Delta Education
05.2012 - 01.2014

Business Administration - Business

Southern University

Associate of Arts - Business

Vocational Training: Community Colleges of Texas

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Michael Fleming