Sarah J. Darling
Phoenix,AZ
Summary
Experienced collections and recovery/mitigation specialist with 20+ years’ experience in the financial services industry. Expert in skip tracing to locate collateral and/or contractual customers. Ability to mitigate settlements and/or other customer assistance programs such as redemptions, extensions, modifications, etc., when financially beneficial to company and client.
Overview
27
27
years of professional experience
Work History
Recovery Specialist
Flagship Credit Acceptance
06.2020 - Current
- Responsible for maintaining and managing a 2million dollar (+) portfolio of defaulted auto loans in excess of 121 days of delinquency.
- Perform deep skip tracing and work closely with repossession vendors to locate and secure collateral.
- Negotiate payment plans and offer assistance when available, including settlements.
- Knowledge of collection and repossession laws on federal and local levels.
- Identify accounts that may need legal action and refer to proper approval authority for resolution.
- Key Contributions:
Financial Services Professional
MassMutual Arizona
09.2018 - 03.2020
- Generated new clients using a personal, face-to-face approach that built trust and emphasized personal service to the individual investor.
- Identified clients and prospective clients in need of investment guidance and then recommended investment solutions appropriate for each individual.
- Explained and documented for clients the types of services to be provided, and the responsibilities to be taken by the personal financial advisor.
- Sold financial products including life and disability insurances, college funding and retirement instruments.
- Effectively source prospective clients
- Key Contributions:
Sr. Fraud Specialist
Chase Bank
09.2013 - 09.2018
- Solely manage a multi-million-dollar portfolio of charged-off auto loan fraud cases
- Speak to victims of identity theft and clear them while providing counseling and education.
- Analyze customer statements, affidavits, and evidence to resolve identity theft cases $ claims.
- Coordinate with law enforcement and government agencies to gather information and to assist in tracking and prosecution of felons committing fraud.
- Ability to work independently and without direction, to take initiative, and to make decisions.
- Professional demeanor when dealing with internal and external customers.
- Average recovery of 5300-5500k in losses per month.
- Interview suspects and provided accurate and complete file documentation for legal record.
- Perform deep skip tracing and worked closely with repossession vendors to secure collateral.
- AML
- Key Contributions:
Loan Subordinations
Chase Bank
10.2012 - 09.2013
- Processed Loan Subordinations
- Key Contributions:
Collateral Recovery
FIRESIDE BANK
10.2008 - 01.2012
- Managed a portfolio of accounts ranging in delinquency from 90 to 2000 days past due.
- Key Contributions:
Office Manager
WE FIX UGLY POOLS
08.2007 - 10.2008
- Processed A/P, A/R, billing and collections for multi-million-dollar company and portfolio.
- Generated payroll for all sub-contractors.
- Oversaw Hiring/firing of employees.
- Managed office staff.
- Scheduled customers follow up/retention.
- Filing pre-liens and mechanic’s liens.
- Key Contributions:
Mortgage Consultant (Broker)
STERLING HOME MORTGAGE
06.2006 - 06.2008
- Applied vast knowledge of loan products, guidelines and requirements for an enormous variety of lenders in order to determine proper placement, rates and time commitments to quote my clients.
- Utilized my strong verbal and written communication skills to develop new referral sources.
- Worked all files from origination through funding (i.e. pre-qualification, submission, processing, closing, funding).
- Key Contributions:
Sr. Loan Advisor
HOME 123
07.2005 - 06.2006
- Originated and sold non-conforming, sub-prime mortgages by building and developing strong relationships with my clients.
- Utilized my time to maintain sales contact with my current customers as well as potential leads in my pipeline, previous clients and referral sources.
- Assisted in training of new employees.
- Key Contributions:
Recovery Specialist
DRIVETIME CREDIT CORPORATION
07.2001 - 07.2005
- Assisted manager and trained new hires for recovery department.
- Managed large account portfolio spread across multiple regions.
- Consistent top performer won annual award 3 years in a row.
- Utilized several search engines and investigative techniques to locate customers.
- Built trust and rapport with customers, references, and other business affiliates.
- Key Contributions:
Collections Manager
CRESCENT JEWELERS
02.1999 - 07.2001
- Managed a million-dollar portfolio.
- Verified all credit applications and was responsible for collections and skip tracing.
- Filed and went to court proceedings for small claims and civil summons.
- Trained all new collectors for every store in the Arizona region.
- Key Contributions:
Education
High School Diploma -
Thunderbird HS
Phoenix, AZSkills
- Skip tracing
- Asset recovery
- Meet and exceed goals
- Negotiated financial agreements
- Assist clients during challenging situations
- Employee training
- Effective time management
- Proficient in FDCPA adherence
- Supervised team members
- Skilled in settlement negotiation
Accomplishments
- Recognized as top performer within the organization on a consistent basis.
- Worked well under pressure in an emotionally charged atmosphere while maintaining ability to be self-motivated. Set goals for myself and others.
- Possess unparalleled written and verbal communication skills and have a strong desire to help people along with superb relationship building skills.
Software Proficiency
Microsoft Windows, Excel, Word, Outlook, Money, Caylx Point, ACT!, QuickBooks, Linx, Shaw, Data Oceans, Alvaria, Cisco Jabber, Ibeam, RDN, DRN, Rumba, Accurint, Eport, Clear, TLO, Carfax, Work Number, Laserfiche, Masterfiles, FirstSearch, Metronet, FDI, and all 3 major credit bureaus.
Timeline
Recovery Specialist
Flagship Credit Acceptance
06.2020 - Current
Financial Services Professional
MassMutual Arizona
09.2018 - 03.2020
Sr. Fraud Specialist
Chase Bank
09.2013 - 09.2018
Loan Subordinations
Chase Bank
10.2012 - 09.2013
Collateral Recovery
FIRESIDE BANK
10.2008 - 01.2012
Office Manager
WE FIX UGLY POOLS
08.2007 - 10.2008
Mortgage Consultant (Broker)
STERLING HOME MORTGAGE
06.2006 - 06.2008
Sr. Loan Advisor
HOME 123
07.2005 - 06.2006
Recovery Specialist
DRIVETIME CREDIT CORPORATION
07.2001 - 07.2005
Collections Manager
CRESCENT JEWELERS
02.1999 - 07.2001
High School Diploma -
Thunderbird HS
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