Miguel Sandoval
Chicago,IL
Summary
Experienced debt recovery with over 9 years of experience in collections specialist. Excellent reputation for resolving problems and improving customer satisfaction. Dedicated recovery professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
7
7
years of professional experience
Work History
Recovery Specialist
Consumer Portfolio Services
09.2014 - 03.2015
- Performed skip tracing on all past due accounts to locate responsible individuals.
- Set up drafts and processed immediate payments after conducting thorough research and analysis of account.
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Used scripted conversation prompts to convey current account information and obtain payments.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
Finance Manager
West Oak Auto
09.2013 - 06.2014
- Trained new and existing staff members in various financial procedures to prepare for job requirements.
- Created organizational structures to improve accounting and finance functions.
- Executed vendor setup and payment, administration of bank accounts and account reconciliations.
- Increased revenue by assisting with operations management, sales and marketing efforts.
- Created documents to display financial reports and data using excel.
- Evaluated applications against outline specifications to approve, reject or recommend adjustments files.
Loan Processor
Turner Acceptance
09.2010 - 07.2013
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Looked over and approved various types of loans.
- Handled any conditions sent from underwriting departments.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
Recovery Specialist
Overland Bond & Investment
01.2007 - 04.2010
- Performed skip tracing on all past due accounts to locate responsible individuals.
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Collected payments by phone, set up wire transfers and initiated immediate plans for repayment.
- Used scripted conversation prompts to convey current account information and obtain payments.
- Handled estimated 500 inbound and outbound calls daily, remaining highly focused on securing required funds.
- Reviewed accounts and provided recommendations to managment regarding repossession actions.
Education
Columbia College Chicago
Chicago, ILNo Degree - Traditional Animation
Columbia College Chicago
Chicago, IL05.2005
High School Diploma -
Farragut High School
Chicago, IL07.2003
Skills
- Payment Acceptance
- Personalized Financial Reviews
- Terms Review and Enforcement
- Problem Investigations
- Analytical and Critical Thinking
- Delinquent Account Notification
- Skip Tracing
- Investigation Due Diligence
- Updating Customer Accounts
- Account Monitoring
- Problem Identification
- Debt Repayment Negotiation
- Managing Delinquent Accounts
- Payment Scheduling
- Credit and Collections
- Data Entry
- Loan Modification
- Credit Reports
- Customer Inquiries
- Reporting Tools
- New Hire Training
- Pricing Structures
- Team Meetings
- Inventory Accuracy
- Team Goals
- Inventory Control
Timeline
Recovery Specialist
Consumer Portfolio Services
09.2014 - 03.2015
Finance Manager
West Oak Auto
09.2013 - 06.2014
Loan Processor
Turner Acceptance
09.2010 - 07.2013
Recovery Specialist
Overland Bond & Investment
01.2007 - 04.2010
Columbia College Chicago
No Degree - Traditional Animation
Columbia College Chicago
High School Diploma -
Farragut High School
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