Steve Hinojosa
Tustin
Summary
Proactive and goal-oriented professional recognized for exceptional time management and problem-solving abilities. Reliable and adaptable, with a swift capacity to learn and implement new skills effectively. Committed to leveraging strengths to drive team success and contribute to organizational growth. Equipped with strong communication skills and a readiness to tackle new challenges, dedicated to advancing organizational objectives with enthusiasm and determination.
Overview
16
16
years of professional experience
Work History
Repossession Specialist
Lobel Financial
Anaheim, CA
07.2023 - Current
- Managed repossession processes, ensuring compliance with legal requirements and company policies.
- Conducted asset evaluations to determine recovery potential and prioritize actions.
- Coordinated communication between clients, vendors, and internal departments to streamline operations.
- Recovered assets by locating and securing collateral, ensuring minimal loss for the company.
- Maintained high volume of calls and met demands of busy and productive group.
- Achieved successful debt collection results by utilizing negotiation skills and developing customized payment plans.
- Increased productivity levels through efficient time management and prioritization of daily tasks.
Loan Servicing Specialist
Lentegrity
Foothill Ranch
05.2021 - 07.2023
- Provided exceptional customer service by promptly and effectively resolving loan service issues with a knowledgeable and friendly approach, resulting in high customer satisfaction.
- Processed payoffs, releases, and curtailments for auto loans, ensuring accurate and timely completion.
- Addressed routine and complex inquiries from customers, title companies, insurance companies, and dealerships, demonstrating expertise and professionalism in all interactions.
- Advised customers on loans and transactions, answering questions and providing clear and concise information.
- Monitored delinquent accounts and reached out to customers to collect outstanding amounts, utilizing effective communication and negotiation skills.
- Arranged debt repayment and established repayment schedules based on customer finances, ensuring a fair and reasonable resolution for all parties involved.
- Successfully negotiated credit extensions to assist customers in paying overdue accounts, demonstrating strong problem-solving and relationship-building abilities.
- Met demands of busy collections group by performing high volume of daily calls.
Loan Adjuster Specialist
SchoolsFirst Federal Credit Union
Tustin
03.2019 - 05.2021
- Reached out to customer to pursue payments, remind of obligations and discuss default procedures.
- Arranged for debt repayment and established repayment schedule based on customer finances.
- Met demands of busy collections group by performing high volume of daily calls.
- Remained calm, stayed professional and provided exceptional service on all calls, even when interacting with difficult individuals.
- Provided outstanding member service to new and long-standing customers by attending closely to concerns and developing solutions.
- Counseled members on financial matters and provided recommendations to lead them to financial success
- Followed fair debt practices and regulatory guidelines when managing collections process.
Active Deficiency Specialist
Gateway One Lending & Finance
Anaheim
01.2012 - 12.2018
- Handling a High influx of inbound and outbound calls pertaining to customers auto loans
- Collecting delinquent deficiency accounts 1-120 days past due
- Displayed strong telephone etiquette, effectively handling difficult calls.
- Completed skip traces on customers failing respond to collection efforts.
- Maintained risk identification on accounts and made them my priority to reduce potential losses to the company.
- Helped other Specialty Collection departments with Spanish calls
- Consistently met or exceeded monthly goals.
- Handled accounts with the highest standards in customer service and adherence to regulatory guideline
Credit Collections Specialist
Western Dental Services Inc
Orange
03.2010 - 01.2012
- Handling a high influx of inbound and outbound calls off an automatic dialer.
- Notified customers of delinquent accounts with attempt to collect outstanding amounts.
- Overcame objections by applying advanced training and persuasion techniques.
- Followed fair debt practices and regulatory guidelines when managing collections process.
- Improved existing collections processes by performing audits to ensure accounts were being worked correctly and efficiently.
- Performed and maintained outstanding quality assurance.
Education
High School -
Richland High School
Orange, CA06.2010
Skills
- Fluent in both English and Spanish, with exceptional customer service skills
- Expertise in loan documentation and payment processing
- Proficient in loan portfolio management
- Strong team orientation and adaptability
- Fast learner with a proven ability to work well in a team setting
- Skilled in Microsoft Office applications (Word, Excel, PowerPoint, Outlook), AS400, Daybreak, Springboard, ChexSystems Temenos, and Symitar
- Attention to detail
- Organization skills
- Detail-oriented
- Customer-focused
- Strong communication - Problem-solving
- Patience and empathy
- Ability to work under pressure
- Optimistic
- Fast learning
- Self Motivated
- Strong work ethic
- Dedication
- Punctual
- Trustworthiness
- Skip tracing proficiency
- Asset recovery expertise
- Problem-solving
- Multitasking Abilities
- Excellent communication
Languages
Spanish
Native or Bilingual
Timeline
Repossession Specialist
Lobel Financial
07.2023 - Current
Loan Servicing Specialist
Lentegrity
05.2021 - 07.2023
Loan Adjuster Specialist
SchoolsFirst Federal Credit Union
03.2019 - 05.2021
Active Deficiency Specialist
Gateway One Lending & Finance
01.2012 - 12.2018
Credit Collections Specialist
Western Dental Services Inc
03.2010 - 01.2012
High School -
Richland High School