Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Noe Franco

Fort Worth,TX

Summary

Experienced collections professional with a strong background in auto finance, customer service, and fraud investigation. Proven track record of meeting performance goals, reducing delinquency, and maintaining full compliance with regulatory standards. Seeking to leverage skills in a challenging and growth-oriented role within the financial services or auto lending industry.

Overview

13
13
years of professional experience

Work History

Servicing Supervisor

United Auto Credit Corporation
Fort Worth, TX
01.2020 - 10.2024
  • Supervised daily operations for the First Payment Default and Pre-30 team, ensuring timely collection of delinquent accounts while maintaining excellent customer relationships.
  • Led, trained, and motivated a team of 12 agents to meet and exceed performance targets, including call quality and customer satisfaction.
  • Resolved escalated customer concerns with professionalism, improving retention and ensuring compliance with company policies and regulatory standards.
  • Collaborated with internal departments to streamline workflows, reduce delinquencies, and enhance customer experience.
  • Generated and analyzed performance reports to track team KPIs and recommend strategies for continuous improvement.
  • Conducted regular coaching and feedback sessions to support staff development and maintain high morale.

Specialty Team Lead

United Auto Credit Corporation
Fort Worth, TX
07.2019 - 01.2020
  • Helped lead a team of collection agents in the First Payment Default Team, overseeing daily operations to ensure compliance with company policies and state/federal regulations.
  • Delegated accounts strategically based on collector strengths, ensuring timely follow-ups.
  • Handled escalated calls and sensitive accounts, negotiating payment arrangements and resolving disputes professionally.
  • Collaborated with management to develop training programs, improve scripts, and implement system/process enhancements.

Dealer / Fraud Investigator

United Auto Credit Corporation
Fort Worth, TX
08.2018 - 07.2019
  • Investigated suspicious auto loan applications and dealer-submitted contracts to identify potential fraud, misrepresentation, or compliance violations.
  • Reviewed credit applications, income documents, deal structures, and funding packages to detect red flags such as straw buyers, power booking, and identity theft.
  • Conducted internal investigations and partnered with risk, underwriting, and legal teams to escalate confirmed or suspected fraud cases.
  • Audited dealer submissions for compliance with lending guidelines, identifying patterns of concern and recommending corrective action or suspension when necessary.
  • Utilized systems such as LexisNexis, Clear, MicroBilt, and social media to verify customer information and investigate discrepancies.

Collections Specialty Representative

United Auto Credit Corporation
Fort Worth, TX
03.2016 - 08.2018
  • Handled accounts that entered delinquency after the first missed auto loan payment, focusing on early-stage resolution to prevent further default.
  • Conducted high-volume outbound and inbound calls to educate customers on loan terms, resolve account issues, and secure timely payments.
  • Negotiated payment arrangements and due date changes in alignment with company policy.
  • Applied skip tracing techniques selectively to support recovery efforts on unreachable accounts.
  • Maintained full compliance with FDCPA and internal policies, accurately documenting all customer interactions.

Early-Stage Collections Representative

United Auto Credit Corporation
Fort Worth, TX
10.2015 - 03.2016
  • Managed accounts 1-30 days past due, focusing on early intervention and timely collection.
  • Educated customers on payment options and negotiated payment arrangements.
  • Met or exceeded monthly performance goals and ensured accurate system documentation.

Sales Representative

T-Mobile (Amtel LLC)
Fort Worth, TX
05.2015 - 10.2015
  • Delivered exceptional customer service while promoting T-Mobile products and services.
  • Processed activations, upgrades, and account changes accurately.
  • Collaborated with team members to meet and exceed store sales goals.

Small Arms and Artillery Repairer (91F)

United States Army
Vicenza, Italy
08.2011 - 02.2015
  • Inspected, maintained, and repaired small arms, infantry weapons, and artillery.
  • Diagnosed malfunctions and performed both routine and emergency field repairs.
  • Maintained detailed service records and conducted inventory control.
  • Trained junior personnel on weapon maintenance and safety standards.
  • Adhered to strict safety, quality, and operational standards to ensure mission readiness.

Education

High School -

Haltom High School
Haltom City, TX

Skills

  • Auto Loan Collections
  • Problem Solving
  • Skip Tracing
  • Customer Service & Retention
  • Team Leadership & Coaching
  • Attention to Detail
  • Performance Management

References

References available upon request.

Timeline

Servicing Supervisor

United Auto Credit Corporation
01.2020 - 10.2024

Specialty Team Lead

United Auto Credit Corporation
07.2019 - 01.2020

Dealer / Fraud Investigator

United Auto Credit Corporation
08.2018 - 07.2019

Collections Specialty Representative

United Auto Credit Corporation
03.2016 - 08.2018

Early-Stage Collections Representative

United Auto Credit Corporation
10.2015 - 03.2016

Sales Representative

T-Mobile (Amtel LLC)
05.2015 - 10.2015

Small Arms and Artillery Repairer (91F)

United States Army
08.2011 - 02.2015

High School -

Haltom High School
Noe Franco
Want your own profile? Create for free at Resume-Now.com