Summary
Overview
Work History
Education
Skills
Accomplishments
Revamped the A/R process to address past due accounts resulting in decreasing aged A/R 90 - days fro
Timeline
Hi, I’m

Renee Stokes

Sales
Port Saint Lucie,FL
Renee Stokes

Summary

Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Collaborative leader with dedication to partnering with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.

Overview

9
years of professional experience

Work History

Guaranteed Rate

Mortgage Loan Processor
11.2020 - 07.2022

Job overview

  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Calculated, reviewed and corrected errors on interest, principal and closing costs.
  • Communicated with originator and applicant concerning progress of loan file.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Handled any conditions sent from underwriting departments.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
  • Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.

Bluegreen Vacations

Senior Credit Collections Analyst
04.2016 - 11.2020

Job overview

  • Initiated repossession process or service disconnection upon failure of other collection methods.
  • Listened to customers and negotiated solutions that met creditor and debtor needs.
  • Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
  • Prepared and submitted legal documents to initiate court proceedings.
  • Processed debtor payments and updated accounts to reflect new balance.
  • Deployed automated system tracking and skip tracing to locate hard-to-find, re-located customers.
  • Worked with customer to create debt repayment plan based on current financial condition.
  • Entered client details and notes into system for interdepartmental access and review.
  • Developed and documented collection procedures and policies to comply with government regulations.
  • Contacted customers to discuss past-due accounts and negotiated payment plans.
  • Responded to customer inquiries and provided detailed account information.
  • Investigated customer credit references and approved credit lines.
  • Monitored customer accounts for payment delinquency and initiated collection efforts.
  • Analyzed customer financial records to determine appropriate payment plan.
  • Researched billing errors and discrepancies to initiate corrective action.
  • Maintained accurate records of customer accounts, payments and payment plans.
  • Established relationships with customers to encourage payment of delinquent accounts.
  • Prevented impending loss and increased profitability by enforcing scheduled collection campaigns, consistently achieving targeted recovery rate.
  • Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.

Rapid Recovery Solutions

Operations Manager
04.2013 - 03.2016

Job overview

  • Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
  • Set, enforced, and optimized internal policies to maintain responsiveness to demands.
  • Reduced operational risks while organizing data to forecast performance trends.
  • Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
  • Implemented innovative programs to increase employee loyalty and reduce turnover.
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Assisted in recruiting, hiring and training of team members.
  • Trained new employees on proper protocols and customer service standards.
  • Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
  • Trained and guided team members to maintain high productivity and performance metrics.
  • Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.

Education

University of Phoenix
Marietta, GA

Bachelor of Science from Business Management
12.2015

University Overview

Skills

  • Financial Document Review
  • Information Verification
  • Loan Paperwork
  • Processing Procedures
  • Government Lending
  • Accounting Softwares
  • Financial Arrangement Negotiation
  • Bank Secrecy Act
  • Compile Documents
  • Financial Data Collection
  • Loan Information Recording
  • Regulatory Compliance Documentation
  • Critical Thinking
  • Microsoft Office
  • Credit Bureau Contact
  • Credit Extensions
  • Loss Protection
  • Deposit and Payment Collection
  • Interviews
  • Sales Calls
  • Closing Sales
  • Sales Planning
  • Borrower Interviewing
  • Sales Strategies
  • Sales Activities
  • Sales Campaigns
  • Customer Referrals

Accomplishments

Accomplishments
  • Supervised team of 25 staff members.
  • Achieved lowering A/R process to address past due accounts resulting in decreasing aged A/R 90 - days from 40% to 5%.
  • Facilitated the development and implementation of customer portals and text messaging system resulting in improved customer communications and satisfaction.

Revamped the A/R process to address past due accounts resulting in decreasing aged A/R 90 - days fro

Revamped the A/R process to address past due accounts resulting in decreasing aged A/R 90 - days fro

Identified and resolved outstanding customer accounts as related to decreasing outstanding revenue that was beyond the 90 day mark. 

Oversaw team productivity, tracked problematic trends, and compiled statistical data to ensure monthly target of $3.5M were met. Conducted proper evaluations for personnel and ensure proper training on company policies/ procedures and best practices related to all collections functions.

Timeline

Mortgage Loan Processor
Guaranteed Rate
11.2020 - 07.2022
Senior Credit Collections Analyst
Bluegreen Vacations
04.2016 - 11.2020
Operations Manager
Rapid Recovery Solutions
04.2013 - 03.2016
University of Phoenix
Bachelor of Science from Business Management

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Renee StokesSales