Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Sara Mohammad

Riverside,CA

Summary

Leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.

Committed to ensuring customer satisfaction by providing exceptional service and unmatched support. Proficient in utilizing customer service best practices and adept at exploring different solutions to address customer needs effectively.

Developed strong communication and problem-solving abilities in fast-paced service environment. Proven track record of managing and resolving customer inquiries efficiently and effectively. Seeking to transition into new field where these skills can be leveraged to enhance team performance and customer satisfaction.

Professional with strong background in customer interactions and service solutions. Highly skilled in conflict resolution, communication, and problem-solving, ensuring customer satisfaction and loyalty. Effective team collaborator, adaptable to changing needs, and consistently focused on achieving results through efficient and empathetic service. Known for reliability and proactive approach to meeting customer and organizational goals.

Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Pursuing full-time role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise. Provides customers with targeted financial advice, service options, and product recommendations to serve debt management needs. Effective at building and implementing plans for each person or organization. Proficient in factors affecting credit scores and strategies for financial recovery. Experienced with assessing clients' financial situations and developing customized debt repayment plans. Utilizes effective negotiation skills to liaise with creditors and secure favorable terms for clients. Track record of maintaining up-to-date knowledge of financial regulations and best practices in debt management. Energetic and empathetic individual with strong analytical skills and ability to communicate complex information clearly. Proficient in financial analysis and debt management, with solid understanding of budgeting and credit counseling. Committed to helping clients achieve financial stability and long-term success.

Overview

13
13
years of professional experience

Work History

Debt Consultant

Tax Resolution Advocates
06.2024 - Current
  • Mentored new hires in the intricacies of debt consultation, instilling confidence in their ability to deliver exceptional service to clients.
  • Maximized debt reduction results with thorough research on creditors'' policies and practices.
  • Coordinated with external partners, such as credit bureaus and legal professionals, to provide comprehensive support in addressing clients'' financial challenges.
  • Fostered strong relationships with clients, leading to high satisfaction levels and referrals.

Debt Consultant

CureTax
06.2024 - 11.2024
  • Maintained detailed records of client interactions, ensuring accurate documentation of all transactions and communications.
  • Developed strong relationships with external partners such as collection agencies, attorneys, and credit bureaus to optimize results in recovery efforts.
  • Provided comprehensive training for new hires, fostering a collaborative work environment focused on teamwork and professional development.
  • Effectively managed high-stress situations involving distressed clients by exercising empathy, patience, and professionalism at all times.
  • Contributed valuable insights during team meetings designed to improve overall departmental performance and client satisfaction.
  • Streamlined debt collection processes, resulting in increased efficiency and effectiveness for the company.
  • Conducted thorough investigations on debtor accounts to determine appropriate collection strategies.
  • Reduced clients'' overall debt by negotiating with creditors and creating customized repayment plans.
  • Established credibility as a trusted advisor by consistently delivering on promises, maintaining confidentiality, and demonstrating a deep understanding of clients'' financial challenges.
  • Utilized analytical skills to evaluate clients'' financial situations accurately, enabling tailor-made solutions for each individual case.
  • Collaborated with legal counsel on escalated cases requiring litigation or arbitration proceedings for successful resolution.
  • Managed a portfolio of clients, ensuring timely payments and maintaining excellent client relationships.
  • Achieved monthly performance targets consistently by employing proactive strategies in debt collection efforts.

Inside Sales Representative

LaserAway
01.2023 - 06.2024
  • Answered customers' questions regarding products, prices, and availability.
  • Increased sales revenue by building strong relationships with clients and providing insightful product recommendations.
  • Enhanced customer satisfaction through attentive service, addressing concerns promptly, and offering tailored solutions.
  • Maintained up-to-date knowledge of available products to best serve customers and maximize sales potential.
  • Determined needs, delivered solutions, and overcame objections through consultative selling skills.
  • Met or exceeded sales targets and quotas to contribute to overall sales goals and revenue of company.
  • Managed friendly and professional customer interactions.
  • Used CRM software to maintain detailed contact logs and account records.
  • Maintained current knowledge of evolving changes in marketplace.
  • Attended monthly sales meetings and quarterly sales trainings.
  • Kept detailed records of daily activities through online customer database.
  • Informed customers of promotions to increase sales productivity and volume.
  • Negotiated prices, terms of sales and service agreements.
  • Achieved or exceeded company-defined sales quotas.
  • Contributed to event marketing, sales and brand promotion.
  • Recorded accurate and efficient records in customer database.
  • Met existing customers to review current services and expand sales opportunities.
  • Increased sales with execution of full sales cycle processing from initial lead processing through conversion and closing.
  • Promoted conversion of casual shoppers into customers through product knowledge and product solutions to meet customer needs.

Debt Management Specialist

Americor
10.2022 - 12.2023
  • Reduced delinquency rates by implementing effective debt management strategies and proactive communication with clients.
  • Boosted overall efficiency by developing standardized templates for common correspondence, reducing time spent on routine tasks.
  • Assisted clients in negotiating settlements with creditors, leading to mutually beneficial resolutions and reduced financial strain.
  • Prepared debt service payments and development of draft official disclosures for primary and secondary bond markets.
  • Conducted thorough credit analysis to identify potential risks and determine appropriate course of action for each client.
  • Implemented innovative tactics in collecting outstanding debts, resulting in increased revenue generation for the company.
  • Worked closely with clients facing bankruptcy proceedings, guiding them through available options for addressing their financial challenges without resorting to legal action.
  • Reviewed draft legal documents and made recommendations to management.
  • Supported colleagues in resolving complex cases, leveraging expertise in debt management best practices and negotiation tactics.
  • Collaborated with other financial specialists to develop customized solutions for clients struggling with debt repayment.
  • Streamlined debt collection processes, resulting in faster resolution of overdue accounts and improved cash flow for the organization.
  • Monitored bond arbitrage compliance to meet expenditure schedule requirements and maximize interest earned.
  • Evaluated credit reports to uncover problems and develop strategies for consolidating and reducing client debt.
  • Negotiated with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, or payment plans.
  • Produced budget tools, educational support and referrals for clients.
  • Received and submitted customer payments to further reduce open account balances.
  • Interviewed clients by telephone or in-person to gather financial information.

Loan Processor

Loandepot
02.2019 - 02.2023
  • Worked with 40 plus customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
  • Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
  • Set up and completed loan submission packages.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Promoted a positive work environment through effective communication skills and teamwork initiatives.
  • Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
  • Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
  • Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
  • Improved loan processing efficiency by streamlining documentation and communication procedures.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
  • Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
  • Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
  • Handled any conditions sent from underwriting departments.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Conducted detailed risk assessments for loan applications, leading to reduction in defaults.
  • Streamlined loan processing system, significantly reducing processing times by implementing efficient documentation practices.
  • Facilitated training sessions for new staff on loan processing procedures, improving team efficiency and accuracy.
  • Achieved high client satisfaction scores by resolving queries and concerns promptly.
  • Implemented digital filing system, enhancing security and accessibility of sensitive client information.
  • Negotiated terms with underwriters, achieving favourable loan conditions for clients.
  • Coordinated with real estate agents and attorneys to ensure accurate and timely closing of loans.
  • Analysed potential risks and evaluated loan products to identify suitable options for customers.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Helped college students obtain financial aid through loan programs.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Processed loan applications and monitored progress from start to finish with 30 day turn around time

Loan Closer

CashFloat LLC
03.2018 - 03.2019
  • Conducted thorough post-closing audits to identify areas for improvement and implement necessary changes accordingly.
  • Demonstrated adaptability by successfully managing various loan closing tasks across both residential and commercial lending sectors.
  • Stayed up-to-date on industry regulatory changes and best practices in order to maintain compliance at all times during loan closings.
  • Reduced turnaround time for loan approvals by diligently reviewing applications and promptly addressing any discrepancies.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.

Teller

Chase Bank
07.2014 - 11.2017
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
  • Processed customer transactions promptly, minimizing wait times.
  • Assisted customers with account inquiries, resolving issues promptly and professionally.
  • Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
  • Improved customer satisfaction by providing efficient and accurate transaction processing.
  • Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
  • Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
  • Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
  • Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
  • Educated customers on use of banking website and mobile apps.
  • Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
  • Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
  • Handled complex transactions such as wire transfers or foreign currency exchanges with accuracy and efficiency.
  • Identified sales opportunities and referred customers to branch partners in financial services.
  • Boosted cross-selling of bank products by identifying customer needs during transactions.
  • Enhanced fraud detection efforts by vigilantly identifying suspicious activities and transactions.
  • Ensured compliance with banking regulations by accurately completing all required reports and paperwork.
  • Assisted customers with banking needs and inquiries.
  • Executed wire transfers, stop payments and account transfers.
  • Handled various accounting transactions.
  • Cross-sold credit cards, loans and other bank products.
  • Monitored and verified suspicious activity on customer accounts.
  • Wrote and distributed customer correspondence.
  • Trained new hires on customer service policies and procedures.
  • Established rapport with new clients to increase satisfaction and loyalty.
  • Processed applications for new accounts.
  • Calculated fees due, interest and change for customer transactions.
  • Generated monthly reports on customer activity and customer feedback.

Dental Assistant

Ace Dental Care
09.2011 - 05.2014
  • Cleaned and sanitized dental tools and equipment, straightened treatment rooms, and restocked supplies to prep for next patient and maintain health and safety practices.
  • Maintained a clean and sterile work environment to prevent cross-contamination and infection.
  • Sanitized trays, instruments, and surfaces for clean dental office setting and patient safety.
  • Provided chairside assistance during examinations, improving dentist efficiency and patient satisfaction.
  • Performed x-rays safely while adhering to radiation safety guidelines, ensuring high-quality diagnostic images for dentists'' evaluations.
  • Prepared and arranged instruments, medications, and required materials for dental procedures.
  • Successfully assisted dentist by performing four-handed dentistry and other chair-side duties.
  • Performed general chair-side duties for general dentistry, endo procedures, and oral surgery.
  • Assisted dentists with complex procedures, ensuring optimal patient care and treatment outcomes.
  • Documented patient dental health information, medical history, and vital signs for future reference.
  • Assisted dentists, hygienists, and other personnel by handing appropriate tools and supplies needed for procedures.
  • Prepared instruments and equipment for use in dental procedures, ensuring their availability when needed.
  • Explained treatment procedures and instructed patients on home care guidelines.
  • Created dental impressions used for diagnostics, opposing models and study casts to make crowns, bridges, and other dental prosthetics.
  • Managed inventory of dental supplies, reducing waste and optimizing resource allocation.
  • Maintained dental supply inventory by checking stock to determine inventory levels and placing and expediting orders for supplies.
  • Recorded patients' health histories, documented current symptoms, and pulled up records from prior visits for dentists to view and evaluate.
  • Supported dentists during oral surgeries by preparing surgical rooms with necessary tools and sterilized instruments.
  • Educated patients on proper oral hygiene techniques, promoting long-term dental health.
  • Increased patient retention by building rapport through excellent communication skills and a friendly demeanor.
  • Reduced appointment cancellations by implementing reminder calls and text messaging services, resulting in improved scheduling efficiency.
  • Handled administrative tasks such as billing, insurance claims processing, and appointment confirmation calls to support office operations efficiently.
  • Enhanced patient comfort by carefully explaining procedures and addressing concerns prior to treatments.
  • Assisted in emergency dental procedures, providing critical support in high-pressure situations.
  • Supported dental procedures, ensuring efficient operation and patient satisfaction.
  • Measured and recorded vital statistics by taking patients' blood pressure, temperature, and pulse.
  • Helped dentists restore teeth by applying permanent and temporary fillings and crowns.
  • Educated patients on dental hygiene, pre-surgical instructions and post-surgical care.
  • Assisted in chair-side dental procedures by filling cavities and taking impressions.
  • Staged tray for procedures by arranging dental instruments and equipment.
  • Verified patient insurance eligibility and benefits.
  • Designed dental report card to explain patient dental health status and treatment plans.

Education

Associate of Arts -

Riverside City College
Riverside, CA
02-2017

Skills

  • Debt settlement
  • Debt recovery
  • Negotiation techniques
  • Debt negotiation
  • Credit counseling
  • Loan restructuring
  • Interest rate reduction
  • Payment plan development
  • Debt consolidation
  • Credit repair
  • Loan processing
  • Customer service
  • Problem-solving
  • Attention to detail
  • Time management
  • Multitasking
  • Third-party collaboration
  • Excellent communication
  • Active listening
  • Decision-making
  • Relationship building
  • Analytical thinking
  • Loan underwriting
  • Payment processing
  • Financial reporting
  • Credit report pulling
  • Sales abilities
  • Problem-solving aptitude
  • Negotiation
  • Financial planning
  • Credit history analysis
  • Debt consolidation planning
  • Credit risk assessment

Languages

Arabic
Full Professional

Timeline

Debt Consultant

Tax Resolution Advocates
06.2024 - Current

Debt Consultant

CureTax
06.2024 - 11.2024

Inside Sales Representative

LaserAway
01.2023 - 06.2024

Debt Management Specialist

Americor
10.2022 - 12.2023

Loan Processor

Loandepot
02.2019 - 02.2023

Loan Closer

CashFloat LLC
03.2018 - 03.2019

Teller

Chase Bank
07.2014 - 11.2017

Dental Assistant

Ace Dental Care
09.2011 - 05.2014

Associate of Arts -

Riverside City College
Sara Mohammad