Miracle Wigfall
Charlotte,NC
Summary
Demonstrated success in boosting customer loyalty and optimizing loan processes through extensive experience in customer service and mortgage operations. Skilled in high-pressure environments, with a strong ability to solve complex problems and achieve outstanding results. Recognized for significantly reducing turnaround times and enhancing workflow efficiency while maintaining meticulous attention to detail.
Overview
10
10
years of professional experience
Work History
Collection Specialist
One Main Financial
Fort Mill , SC
11.2024 - Current
- Utilized an automated dialer system to efficiently manage a high volume of outbound and inbound collection calls.
- Reached daily and monthly contact goals, maintaining productivity, and call compliance standards.
- Collected on delinquent accounts while negotiating payment plans, and maintaining customer rapport.
- Accurately document call outcomes and account updates in internal systems.
Customer Service Representative
Publix Super Markets Inc
Atlanta, GA
04.2023 - 03.2025
- Handled high-stress customer interactions and resolved complaints with professionalism and empathy.
- Processed payments, including Western Union, money orders, and lottery transactions totaling over $50,000 daily.
- Served as a liaison between departments and management, ensuring smooth store operations.
- I opened and closed the store independently, and delegated tasks to the front-end staff.
Sr. Loan Processor
Mortgage Investors Group
Atlanta, GA
03.2021 - 10.2022
- Managed a loan pipeline of 30–50 loans monthly, ensuring timely and accurate documentation.
- Handled FHA, VA, Conventional, and Rural Development loans.
- Identified and resolved application issues proactively.
- Collected and verified required documents, including credit reports, title reports, insurance, and income/asset verification.
Mortgage Loan Processor
Movement Mortgage
Fort Mill, SC
11.2017 - 03.2021
- Processed FHA, VA, Conventional, Jumbo, and New Construction loans.
- Communicated with borrowers, loan officers, and third parties to ensure timely processing.
- Addressed underwriting conditions, and maintained thorough borrower documentation.
- Calculated self-employment income for loan qualification purposes.
Collateral Reviewer Specialist
Movement Mortgage
Fort Mill, SC
08.2016 - 11.2017
- Conducted detailed post-closing document reviews to identify discrepancies.
- Shipped 75+ collateral packages daily, and received up to 500 per day.
- Prioritized tasks to reduce turnaround time, and ensured confidentiality with sensitive client information.
- Monitored the delivery and receipt of collateral packages from escrow and title companies.
Loan Adjuster Specialist
Wells Fargo
Fort Mill, SC
08.2015 - 07.2016
- Reviewed documents for FHA short sale program eligibility.
- Followed HUD and FHA guidelines, and monitored foreclosure dates.
- Requested sale postponements when needed, and ensured files met CFPB documentation standards.
- Communicated with clients, and ordered appraisals and credit reports as part of the eligibility assessment.
Education
Bachelor of Science - Sport Managment
Livingstone College
Salisbury, NC05-2014
Associate of Science - Accounting
Livingstone College
Salisbury, NC05-2014
Associate of Science - Business Administration
Livingstone College
Salisbury, NC05-2014
Skills
- Time Management
- Attention to Detail
- Adaptability and Flexibility
- Team Collaboration
- Customer Service Excellence
- Analytical Thinking
- Microsoft Office Proficiency
- Complex Problem-Solving
Timeline
Collection Specialist
One Main Financial
11.2024 - Current
Customer Service Representative
Publix Super Markets Inc
04.2023 - 03.2025
Sr. Loan Processor
Mortgage Investors Group
03.2021 - 10.2022
Mortgage Loan Processor
Movement Mortgage
11.2017 - 03.2021
Collateral Reviewer Specialist
Movement Mortgage
08.2016 - 11.2017
Loan Adjuster Specialist
Wells Fargo
08.2015 - 07.2016
Bachelor of Science - Sport Managment
Livingstone College
Associate of Science - Accounting
Livingstone College
Associate of Science - Business Administration
Livingstone College
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