Ragedy Cris Gabby S. Gabriel

Greets customers, establishes or identifies price of goods, receives and processes payments, wraps and places purchased goods in bags, provides information to customers, replenishes sales floor merchandise, checks and orders inventory, scans product cases and shelves, operates forklift and pallet jack, updates products with new pricing or temporary promotion signs, stocks shelves with new merchandise

Project a positive shopping environment as well as maintain a clean and well merchandise store.
Perform a monthly, quarterly, and independent inventory.
Advertised and promoted products to walk-in customers and enhanced appearance of product display to all departments from furniture, clothing, sport, toys, health, produce, electronics, and automotive.
Restocked items on the sales floor.
Directed and assisted customers with product knowledge.
Performed inbound and outbound telephone sales calls on a daily basis.

Provide technical information about solar power, solar systems, equipment, and services to potential customers or dealers.
Prepare proposals, quotes, contracts, or presentations for potential solar customers.
Select solar energy products, systems, or services for customers based on electrical energy requirements, site conditions, price, or other factors.
Assess sites to define suitability for solar equipment, using equipment like tape measures, compasses, and computer software.
Calculate potential solar resources or solar array production for a particular site considering issues like climate, shading, and roof orientation.
Create customized energy management packages to satisfy customer needs.
Develop marketing or strategic plans for sales territories.
Prepare or review detailed design drawings, specifications, or lists related to solar installations.
Provide customers with information like quotes, orders, sales, shipping, warranties, credit, funding options, incentives, or tax rebates.
Take quote requests or orders from dealers or customers.
Demonstrate use of solar related equipment to customers or dealers.

Provided customers with accurate quotes for policy
Processed changes on existing auto policies i.e., adding and deleting drivers and vehicles
Prepared Bordereau
Sent Reminder, Cancelation, and Demand letter notice
Prepared and mailed insurance policy documents to customers and lien holders
Received credit card payments
Initiated action to cancel a policy, modify, coverage form or limit based on corporate guidelines and standards.
Called customers for friendly reminder for auto renewal and past due balances

Credit advisor for members that have personal loans, auto loans, mortgage loans, shares, and charge-off account

Sold loans and other credit union products
Provided excellent member service
Analyzed and underwrote financial status, credit, mitigation program, and property evaluations to determine feasibility of granting loans and programs
Pulled Pacers for bankruptcy and Equifax for credit report
Processed loan Credit Life
Contacted members to update or pay off delinquent loans such as credit card, auto, mortgage, and commercial
Prepared and referred charge-off accounts to attorneys for litigation process
Explained to members the different types of loans, programs, and credit options that are available, as well as the terms of services
Handled mortgage Preliminary Title Report request, pre-foreclosure to foreclosure process, order of repossession for auto loans, and bankruptcy
Profiled and analyzed investment products to develop customized financial strategies for clients' financial needs.
Driven professional used to resolving complaints quickly in fast-paced environment.

Worked with E-Oscar from Automated Universal Data and Automated Credit Dispute Verification Assisted members with payment plans for personal loans, auto loans, mortgage loans, negative shares, and charge-off accounts
Referred charge-off accounts to attorneys for litigation process
Completed documents for life claim insurance
Prepared monthly proposed charge-off
Worked with Pacific Daily News to advertise repossessed vehicles for sealed bids
Prepared bill of sale, release of lien, and affidavit documents
Assisted members and non-members to examine vehicles for bid
Prepared bid computation to determine the minimum amount that the credit union requires to sell

Filed invoices and loan documents
September 2008 to March 2010
Bank Of Hawaii Hagatna, Guam
Collector II Worked on delinquent unsecure (flex line, personal, and credit card) and secure loans (auto loans) from 30 days past due till charge off
Prepared extension and change in term for both unsecure and secure loans
Sent auto accounts to collection agency for repossession and field chase
Reviewed and prepared accounts for charge-off
Ran and reviewed credit history, income and length of employment Worked up a loan offer that best benefits the borrower
Sold loans and other bank products
Managed daily alphabetical work list
Mailed, emailed and faxed letters

Worked on delinquent unsecure (flex line, personal, and credit card) and secure loans (auto loans) from 30 days past due till charge off
Prepared extension and change in term for both unsecure and secure loans
Sent auto accounts to collection agency for repossession and field chase
Reviewed and prepared accounts for charge-off
Ran and reviewed credit history, income and length of employment Worked up a loan offer that best benefits the borrower
Sold loans and other bank products
Managed daily alphabetical work list
Mailed, emailed and faxed letters
Returned phone messages and emails and responded to complaints before issues escalated.

Primary duty was to contact delinquent mortgage and personal loan accounts via outgoing telephone calls to establish a payment plan to resolve the account
Prepared daily Management Information System and analysis reports on the day to day efficiency of the collection department including the review of collector daily work queues and appropriate coaching Daily MIS reconciliation of third party vendors' process to enforce efficiency and accuracy of data Managed Mortgage Loan portfolios with respect to debt counseling, account analysis review and mitigating potential foreclosures

Established robust audit functions within the unit to maintain audit and self assessment processes Contributed to the enhancement and implementation of department policies, practices and procedures Conducted skip tracing for hardcore delinquent account portfolios, recommending litigation or referrals to collector vendor agencies
Prepared and processed drafts on secure unsecure loans
Assisted calls on personal, credit card, frontend, midrange and hardcore accounts
Completed Risk Control Self Assessment quarterly test
Communicated with off-island colleagues to meet daily targets
Provided customer service

Processed return mail

Analyzed accounts that may require possible work out arrangements with the client
Skip-traced or obtained current contact information on accounts through network resources

Received payments from clients and prepared electronic payment drafts when authorized.
Entertained incoming telephone inquiries and routed them accordingly
Assisted walk-in customers
Maintained all Federal Debt Collections Practices Act (FDCPA), local laws and bank's compliances
August 2005 to December 2005
United Pacifci Collection Agency Upper Tumon, Guam
In-House Collector (Part-Time)
Contacted debtors via telephone to establish a positive payment plan agreement to resolve delinquent accounts
Conducted follow-ups on all broken promise-to-pay accounts
Conducted skip tracing for accounts with no current contact information
Offered settlements on accounts on a case-to-case basis Maintained compliance of FDCPA and local laws

Contacted debtors via telephone to establish a positive payment plan agreement to resolve delinquent accounts
Conducted follow-ups on all broken promise-to-pay accounts
Conducted skip tracing for accounts with no current contact information
Offered settlements on accounts on a case-to-case basis Maintained compliance of FDCPA and local laws