Over 10 years Debt Collection & Skip Tracing Experience in the Financial Industry. Recovered loan delinquencies on automobiles, money, credit cards, mortgage , student loans & utility accounts. *Consumer & Commercial Debt Collection Agencies *Collection & Bankruptcy Laws * Cyber / Skip Tracing * Process Service *Repossession Laws *Financial Institution *Credit & Collections/ Bankruptcy Laws Legal Training Ability to explain all workout options within company guidelines. Minimize potential losses on delinquent loans by contacting the borrowers and insurers to work toward resolution of the delinquency in accordance with departmental and legal guidelines. Skip tracing accounts for possible leads to find customers information to contact them. Pursues communication with defaulted customers to offer potential workout alternatives. Contact delinquent customers to obtain payment commitments. Analyze customer's situation and collateral risk to present alternative solutions including forbearance plans, repayment plans, modifications, assumptions, pre-foreclosure / short sales, and deed in lieu; assist in identifying, negotiating, and pursuing the appropriate loss mitigation option that best maximizes customer satisfaction . Customer service focused. Proven experience with listening and eliciting information effectively. Demonstrated excellent verbal and written communications skills. Strong PC skills including ability to troubleshoot common problems. Review, negotiate, and recommend action on requests for proposed foreclosure within the time-frames established by management. Identify, evaluate, and resolve reasons for delinquency. Ability to explain all workout options within company guidelines. Skip tracing accounts for possible leads to find customers information. Quote reinstatement amounts, payoffs, and set-up repayment plans. Ensure that all requested documentation has been requested and received from the debtor.