Mireya Torres
Elgin,IL
Summary
Customer service and Loan specialist with 2 years of diverse experience, in consumer loans . 10 years experience in Customer Service .Customer-focused professional with deep knowledge of loan standards combined with history of building strong and repeated client relationships. Committed to precise, accurate and timely transactions. Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. I have a positive attitude and I work hard to build team relationships.
Overview
8
8
years of professional experience
Work History
Consumer Loan Specialist
LSI
Elgin, IL
06.2021 - Current
- Reviewed loan applications and financial documents to determine customer eligibility for consumer loans.
- Analyzed credit reports, income statements, and other documents to assess risk and approve loan applications.
- Calculated monthly payment amounts based on interest rates and loan terms.
- Prepared detailed loan agreements outlining the terms of each loan.
- Explained the different types of consumer loans available to customers.
- Developed strategies to increase customer satisfaction and loyalty through excellent customer service practices.
- Resolved customer complaints related to consumer loans in a timely manner.
- Advised customers on best practices for managing debt obligations associated with consumer loans.
- Gathered and documented client financial information and application details meeting lending requirements and accurately representing client status.
- Prequalified borrowers based on credit criteria and offered debt counseling and financial education to clients and potential clients to help attain loan qualification.
- Recommended loan terms, conditions and collateral position consistent with client request and associated loan risks and set clear and realistic expectations with clients.
- Submitted loan applications to underwriter for verification and recommendations.
Collections Specialist
GC Services
Elgin, IL
06.2019 - 06.2021
- Contacted customers to discuss and resolve past due accounts.
- Analyzed customer financial statements to determine payment plans.
- Negotiated repayment terms with customers in accordance with company policy.
- Researched account information to ensure accuracy of records.
- Monitored delinquent accounts for timely payment resolution.
- Utilized skip tracing techniques to locate hard-to-find debtors.
- Processed payments received by mail, phone or online transactions.
- Responded promptly to customer inquiries regarding their accounts status.
- Upheld privacy and security requirements for customer information.
- Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
- Processed payments over phone and set up recurring drafts.
- Notified customers of delinquent accounts with attempt to collect outstanding amounts.
Cashier
McDonald’s
Elgin
06.2016 - 07.2018
- Counted money in cash drawer at the beginning of shift to ensure that amounts were correct and have sufficient change.
- Educated customers on menu items, product ingredients and nutritional values.
- Performed cashier duties such as taking orders, collecting payments and providing change.
- Cleaned restaurant area by sweeping floors, wiping tables and emptying trash receptacles.
- Followed all safety guidelines while operating equipment such as slicers, fryers and ovens.
- Greeted customers upon arrival, provided menus and answered questions regarding menu items.
- Adhered to health department regulations regarding food handling procedures.
- Prepared beverages such as coffee drinks, smoothies and milkshakes according to company standards.
- Resolved customer complaints in a professional manner.
Education
Business Administration -
Northern Illinois University
05.2022
Larkin High School
05.2018
Skills
- Communication
- Self-motivation
- Time management
- Customer Service-Focused
- Team Player
- Inbound and Outbound Calling
- Problem-Solving Abilities
- Critical Thinking
- Active Listening
Languages
- English
- Spanish (somewhat)
Timeline
Consumer Loan Specialist
LSI
06.2021 - Current
Collections Specialist
GC Services
06.2019 - 06.2021
Cashier
McDonald’s
06.2016 - 07.2018
Business Administration -
Northern Illinois University
Larkin High School