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Work experience

May 2007Present

Mortgage Loan Advisor

Empire Financial Services
  • Obtained necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files
  • Verified documentation for accuracy
  • Knowledgeable of commonly-used concepts, practices, and procedures within a particular field
  • Relied on instructions and pre-established guidelines to perform the functions of the job
  • Worked under immediate supervision
  • Follow mortgage industry standards
Oct 2006Present

Project Coordinator/AR, AP, Collections, Repositioning, Credit, Billing

Contract Assignments
  • Assisted with auditing, reconciliation of General Ledger accounts, profit & loss statement
  • Analyzed the credits and un-payables to see where money was still outstanding in some form
  • Performed fraudulent investigations and skip tracing to compile information on bad debt
  • Membership accounting, collections, monetary reposting, billing and procurement
  • Prepared, monitored, and maintained Escheat charts outlining developments, debts and timing
  • Identified issues and provided advice on project progression, tracking and results
  • Required excellent communication skills and extensive knowledge of database AS400
  • Reviewed invoices for accuracy and completeness
  • Sorted documents by account name or number and processed for payment
  • Examined records of amounts due and paid according to terms and discounts taken
  • Directed invoice processing and verification, expense coding, and drafting of payment checks or vouchers
Jan 2005Mar 2006

A/R, Accounting, Credit and Collections Administrator

Contract Assignments

(Clients included: Riggs Bank and Bioveris)

  • Supervised small groups of 5-8 people
  • Established and managed collection department
  • Trained and recruited credit/collection employees
  • Collected and received past due payments on delinquent accounts from the Real Estate agents and brokers, embassy, consumer and collateral accounts Scientific, Chemical, Biological sectors and Department of Defense and Military sectors, government accounts, and European companies
  • Accounts had to be translated to foreign languages and currencies
  • Provided technical assistance on internet and via telephone
  • Awarded new credit lines, verified credit standing through Dunn & Barr, and revised credit increase
  • Prepared all P&L reports, daily track reports, accountability of daily ledgers and progress reports
  • Initiated repossession and foreclosures documents
  • Arranged automatic payments and debits
  • Performed billing for Federal Government, private industry and schools in net 30 terms
  • Performed collection activity for these accounts as well
  • Reconciled all accounts relating to the billing and receivables
  • Used Access, Excel and FoxPro, PeopleSoft-JD Powers/Oracle, People-soft 7.0 and Oracle
Dec 2001Apr 2003

Lead Credit and Collections Specialist

  • Assisted with recruitment and interviewing
  • Helped train and supervise 4 entry level credit and collections employees
  • Contacted clients by telephone to collect past due invoices that owed $1,000.00 or more, resolved billing issues related to delinquency such as: duplicate searches, disputed pricing, additional charges, credits, short payments and any other issues the client has for non payment
  • Called for payments resolution
Sep 1999Dec 2001

Assistant Managing Director and Managing Director

Hollywood Video

& 03-05/2006

  • Focused on exceptional customer service
  • Supervised 20-35 employees and provided counseling, timely feedback through daily coaching and corrective action to improve professional performance
  • Developed procedures for job fair and recruitment
  • Communicated compliance with company policies and directives
  • High level of business ethics and integrity
  • Exceeded financial projections and maximized revenue opportunities
  • Strong organizational and time management skills
  • Used labor management tools to schedule effectively, maximize productivity, profitability and margins while adhering to all applicable federal, state and local laws governing business operations
  • Assisted with loss prevention, cash handling, inventory control, visual merchandising, safety and security of people and assets
  • Assisted customers with rentals and leases; Sold merchandise in excess of $14500 monthly
  • Resolved collection conflicts
  • Posted payments, made reservations
  • Explained rules, regulations and procedures
  • Performed duties: administrative and organizational and end of day backups
May 2000Dec 2001

Lead Bilingual Account Specialist

Debtworks, Inc
  • Advised client's of payment to send monthly
  • Inactivated and activated accounts; send good and bad reference letters to the 3 major credit bureaus
  • Called creditors to lower the APR, lower payments, stop late and over limit fees
  • Pulled accounts out of collections status
  • Contacted law firms; stopped accounts from going to court and garnishments
  • Team leader for a group of 10 account specialists
Sep 1998May 2000

Chiropractic Assistant/Receptionist

Beltway Chiropractic
  • Worked in a multiple doctor’s office
  • Schedule office visits and assisted patients with translations
  • Answered all billing and insurance questions
  • Verified benefits information
  • Assisted doctors with setting up patients onto different machines; helped patients with physical therapies
  • Translated from English to Spanish
May 1992Oct 1995

Medical Supply Specialist

U. S. Army

& 10/1995-05/2000 (Reserves)

  • Responsible for 10 soldiers
  • Ordered medical supplies and equipment for a 950 bed hospital, as well as local purchases and filing
  • Assisted military and civilian customers with purchases and selling of medical equipment
  • Entrusted with a $10 million budget
  • Maintained an account ledger and logged all transactions into data base
  • Performed inventories of: medical supplies, life support equipment and medications


06/2007-07/2007 Freemont Financial Loan Officer Licensure License

06/2007-Present Ashford University BA Social Science/Education Graduating 2009

02/2006-09/2006 Kaplan University BA Criminal Justice /Law transferred

05/2005-06/2005 Weichert Real Estate School Real Estate Sales (60 Cr Hrs)

02/2005-02/2005 A. D. Bankers L & H Insurance School (25 Cr Hrs)

08/1992-11/1992 Academy of Health Sciences Medical Supply Specialist Certificate

05/1992-08/1992 U. S. ARMY Basic Training Certificate

08/1991-05/1992 Montgomery College AAS Journalism transferred

07/1987-06/1991 Edison Career Center Information Systems Mgmt Certificate

07/1987-06/1991 Wheaton High School Emphasis in Business Diploma

Programs and Devices

MS-Word, Excel, Publisher, JD Powers/Oracle, PeopleSoft 7, Symitar, Intellec 5.0, Fox Pro, Outlook, Internet, Turbo Tax, QuickBooks, Dunn & Barr Business, Credit Plus, Point Calyx, Navigator voicemail system. Laptops, desktop computers, scanners, Xerox printer and copiers, laser jet printers, 10 key calculator, financial calculator, PBX telephones.