
Highly motivated and results-driven Loss Mitigation and Financial Services Specialist with 9+ years of experience at a major financial Institution (TD Bank). Proven expertise in delinquency resolution, regulating compliance, and complex debt negotiation. Eager to leverage a deep understanding of collection law, bankruptcy, and strategic outreach to minimize institutional risk and enhance customer retention.
▪ Proactively mitigated foreclosure risk by executing strategic outreach campaigns(calls,letters,emails) to delinquent borrowers offering solutions to avoid loss.
▪ Provided end to end guidance and assistance to customers throughout the modification process.
▪ Ensured adherence to all applicable laws and regulations according to loan type.
▪ Responded to and swiftly resolved customer complaints by taking appropriate action.
▪ Coordinated closely with internal departments, including Loan Servicing, Underwriting, and Legal teams to resolve processing errors.
▪ Manage a high-volume call queue (averaging 80-120 calls/day) for high-risk accounts, consistently meeting or exceeding performance metrics by 90%.
▪ Promoted team performance by providing training and mentorship to new Debt Specialists, shortening their wrap-up time and improving team wide metrics.
▪ Processed customer automotive payments and assigned vendor involuntary and voluntary repossession orders.
▪ Consistently achieved monthly collection targets through effective negotiation techniques.
▪ Maintained a high-volume of calls and met the demands of a busy and productive group.
▪ Negotiated payment plans with customers to prevent accounts from potential charge off.
▪ Established strong customer relationships to encourage payment of delinquent accounts.
▪ Educated debtors on the consequences of non-payment and potential resolutions.
▪ Maintained ability to multitask and navigate through computer systems and applications with speed and accuracy while balancing performance to meet a variety or metrics.
▪ Collected customer feedback and made process changes to exceed customer satisfaction goals.
▪ Provide accurate and appropriate information in response to customer inquiries.
Skip tracing (Lexis Nexis, Innovis, Accurint)
Delinquency Resolution
Loss Mitigation & Servicing (Loan Serv, Fidelity)
Problem Solving Skills
Microsoft Office Suite ( Word, Excel)
Detailed/Investigation reporting