Melinda Valdez

Full Name

Melinda Valdez

Used to Live in:

• Corpus Christi, TX

Occupation

• Melinda a. valdez 4950 nell st. corpus christi texas 78411 cell #: (361) 389-6034 email:[email protected]... objective: to implement superior organizational and time management skills in a position that allows me to benefit a growing company where advancement is available. i welcome opportunities to expand my knowledge and hone my skills in order to contribute to my companys success. experience august 2012- june 2013 wells fargo home mortgage san antonio, tx home preservation specialist / naca team responsible for providing single point of contact to borrowers whose loan are delinquent or at high risk for delinquency assist borrowers to find solutions to maintain home ownership, including hamp, proprietary modifications, repayment plans, etc. if retention options are not possible, they discuss other solutions including short sales, deeds in lieu, etc. interview borrowers to understand their specific situation: identify and request the appropriate documents required for loan modification review. analyze the customers financial situation and make recommendation on loan modification / workout options to resolve delinquency. ensure necessary information and complete packages are received in a timely manner. answer inbound inquiries from borrowers regarding the status of the loss mitigation, loan modification, short sale and foreclosure process. place outbound calls to notify borrowers when additional loan document information is required or follow up on loan documents. remain as the single point of contact to borrower throughout the loss mitigation, loan modification, and foreclosure process. plus 25% travel february 2012-august 2012 wells fargo home mortgage san antonio, tx collection ii contacts customers to determine reason for payment delinquency and obtain payment commitment by placing outbound call which are non-routine and require deviation from standard screens, scripts, and procedures. negotiates workouts and repayment plans. handles most complex collection inquiries and issues. september 2011- february 2012 wells fargo home mortgage san antonio, tx handling single point of contact overflow for 8 week project this procedure document should be utilized when a home preservation specialist (hps). this document assists team members and vendor representatives with handling overflow calls in the instance that the customers hps is not available. the customer will come into the overflow queue in one of the following two scenarios. the customer called the hps directly and got to their voicemail, at which point, he/she opted out of the voicemail by pressing 0. the expectations for handling these calls are that team members and vendor representatives answer high level status and process questions per the spoc overflow talking points training. these may also include conferencing individuals for questions related to liquidations and foreclosure. in the event that the caller needs assistance with more detail than has been trained, team members or vendor representatives should attempt to warm transfer the customer to the hps. the customer had question related to their loss mitigation workout. may 2011 september 2011 wells fargo home mortgage san antonio, tx loan servicing specialist 3 / bankruptcy / foreclosure responsible for responding to written and phone inquiries from customers, title companies, and internal personnel regarding loans. functions include : answering questions pertaining to all areas of loan servicing including payment research, taxes, insurance, loan modification and assumptions, prepayments, payoffs, adjustable rate loans, credit reporting, and lien perfection, researching and analyzing problems and recommending solution; conducting periodic audits of files; may also coordinate property inspections, lien priority and loan disbursements in accordance with loan documentation; may perform procedures related to advances and pay downs, funds wiring and disbursement process. within the commercial business is responsible for payment processing, check disbursement, tax payment, imaging and document management. october 2010 may 2011 wells fargo home mortgage san antonio, tx wells owned collection ii contacts customers to determine reason for payment delinquency and obtain payment commitment by placing outbound call which are non-routine and require deviation from standard screens, scripts, and procedures. negotiates workouts and repayment plans. handles most complex collection inquiries and issues. july 2010 october 2010 wells fargo home mortgage san antonio, tx loan counseling collection a task is work order opened and assigned to a specific department prompting the completion of actions generally serviced by that particular department. open, close, work and notate a task, work on task co009, co0088, and co008 these calls are to be treated as normal collection calls. ca or wa law requests to update financial provide hud number. august 2009 july 2010 wells fargo home mortgage san antonio, tx loan counselor ease delinquency and losses on multiple accounts (including mortgages and equity lines of credit) ranging from 5 to 180 days past due. use counseling skills to customers on alternatives for account resolution and / or consequences of their inaction while utilizing all available resources to assist customers and effectively cure while being courteous and open to customer concerns. apply analytical skills and collections tools to quickly assess account situations and offer alternatives to customers and make recommendations to manage and senior representative. employ strong and efficient listening and negotiation skills combined with outstanding written and oral communication. april 2009 august 2009 wachovia san antonio, tx reactive modification center responsibilities in this position will be divided between collecting on designated delinquent accounts and assisting the management staff with maintaining on the collecting floor. assist with modification assistance program providing solutions and options across the united state in assisting homeowners maintain themselves in their homes. october 2008 april 2009 wachovia san antonio, tx recovery specialist early overdraft department reduced delinquency and gross losses on checking and savings accounts that range from 7 to 60 days past due. used influence and counseling skills to educate customers on ramification of their inaction while utilizing all available resources to assist customers and effectively cure delinquency while being courteous and responsive to customer concern. exercise effective listening and negotiating skills combined with exceptional written and oral communication. december 2007- october 2008 aerotek-(cvs/caremark) san antonio, tx account receivable specialist place outbound calls, respond to inbound calls, utilize mor and people safe to verify and update customer information. assist with account balance adjustment in cab, process incoming mail, apply payment, process request for refund checks, investigate payment disputes and respond to customer inquiries by phone to provide with payment. research payments provided without id information. performed other duties as required. october 2006- december 2007 aerotek-(fulfillmentusaa) san antonio, tx data entry multi-faceted. service include equipment, operation,reading, comprehending and implementing complex instruction, proofreading specific documents for accuracy based on variable information. date entry september 2005-october2006 qvc san antonio, tx order entry responsible for placing orders for customers and providing exceptional customer service. i ensure orders are placed correctly and efficiently. gathering information from the customer regarding what item they are interested in purchasing, the location it will be shipped to, and the desired pay method does this.