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    To contact this candidate email mish480@yahoo.com

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    602) 697-5241

    mish480@yahoo.com

    Phoenix, AZ

    SUMMARY
    Customer focused Banking Professional with proven abilities to fund auto finance and mortgage loans by developing business
    relationships that meet the needs of culturally diverse clients using proficiency in Spanish and English to drive results.
    Independent, decisive, organized manager of projects and processes that meets organizational objectives and regulatory
    requirements in a highly competitive and rapidly changing marketplace. Achieve positive work environments by motivating and
    mentoring individuals resulting in high performance teams that achieve operating goals.
    PROFESSIONAL EXPERIENCE:
    Flagship Credit Acceptance, Phoenix, Az Mar 2014 – Apr 2016

    Jr Credit Analyst
    Met credit objectives, bank and regulatory requirements by providing quality customer service to dealerships and borrowers in
    process of a purchase
     Evaluated credit worthiness of a borrower based on credit history and loan perimeters which resulted an application
    decision shared with the dealerships and staff involved.
     Met credit objectives of reviewing 80 applications daily.
     Maintained staff and dealership relations in different territories while organizing a team-oriented environment.
     Increased dealership profits, demonstrated negotiation skills, streamlined processes and prioritized multiple and complex
    tasks, often with conflicting deadlines while reducing lender risks
    Sr Funding Analyst
    Met funding objectives, bank and regulatory requirement by providing quality customer service to dealerships, sales agents,
    and borrowers in process of a purchase
     Completed accurate processing of files, ensured compliance with regulations to ensure clients received a speedy decision
    on their purchase while maintaining quality dealership relations.
     Resolved customers questions for dealerships and borrowers concerning documentation, processing and loan status.
     Exceeded operations goals of funding over 200 loans monthly on a repetitive basis.
    JP Morgan Chase Bank, Phoenix, Az
    CD Client Relation Specialist II – Mortgage Support Nov 2011 – Jan 2014
    Met funding objectives, bank and regulatory requirements by providing quality customer service to borrowers in process of a
    refinance or purchase.
     Consistently maintained excellent call monitoring scores.
     Resolved customers questions concerning documentation, loan status, closing statements, contact information, and
    services.
     Met accelerated deadlines on escalated applications as liaison between borrowers, sales and processing.
     Averaged a High Meets and 100% quality scores on all performance reviews throughout the year.
     Retained customer loyalty and business by resolving borrowers escalated call issues encompassing frustrations and
    during the loan origination process.
     Sustained an error rate of 0% on all database audits completed.
    Solar One Shop, Tempe, AZ

    Sales Representative July 2011 – Oct 2011
    Generated $300,000 in product sales during home visits that explained benefits of Federal, State, and local government and
    electric company incentives/rebates for solar panels, kvar, radiant barrier, solar water heater, and aero seals.
    American Platinum Financial Services / Legal Helpers Debt Resolution, Scottsdale, AZ
    Foreclosure Manager, Loan Modification Negotiator, Sales Representative March 2011 – July 2011
    Retained 93% of homeowners’ residences by generating approved loan modifications based on evaluation of all client
    documents and financial statements in a pipeline of 250-300 modification applications facing eminent foreclosure.
     Met operations goals by reviewing title reports and determining lien holder/mortgage assignees.
     Received and reviewed all mortgage notes for stipulations including property & loan type, special riders, and penalties;
    analyzed NPV tests, appraisals, and BPO’s.
     Created solutions to avoid borrower foreclosure process by completing MHA affidavit for lender review, negotiating loan
    modification offers, conveying decisions to borrowers, including denials and selling of counter offers.
     Consistently maintained excellent manager reviews and received many acknowledgements from peers for willingness to
    provide assistance and handle escalated issues.
     Sold loan modification, mortgage resolution, and foreclosure defense options.
     Ensured optimal customer satisfaction and responded to lender requests until clients decision was delivered.
     Achieved working knowledge of multiple financial institutions’ internal processes and procedures.
    Aerotek Staffing Agency /Bank of America Corporate Offices
    Home Servicing Specialist II – MHA Program Sept 2010 – Feb 201