Beto D Thomas
Surprise,AZ
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior Credit Assistance Specialist
Bank Of America
03.2024 - Current
- Assisting new team members to understand work environment, procedures, forms, and reports.
- Understanding full credit card life cycle by working all delinquency stages pre charge-off.
- Assisting clients with their full account relationship across all credits cards.
- Problem solving with inbound calls while probing to better understand clients' situation and appropriate resolution.
- Maintaining high quality scores and performance scores across line of business.
- Resolving clients' issues in order to avoid future escalations and providing one call resolution.
Credit Assistance Specialist
Bank of America
01.2023 - Current
- Outreaching to delinquent or high- risk clients to secure payment and determine reason for delinquency on credit card accounts.
- Working with clients in a positive and professional manner to establish full balance repayment plans or settlements.
- Negotiating complex payment programs or arrangements while staying within collections compliance guidelines.
- Discovering the right solution for the clients that benefits both the clients and company in a positive and professional matter.
- Resolving client disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
Mortgage Loan Officer
Rocket Mortgage
07.2021 - 05.2022
- Analyzed and reviewed loan options for both potential borrowers and current clientele.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Proactively identified solutions for customers experiencing credit issues.
- Adhered to all federal and state compliance mortgage lending laws.
Owner/Operator
Auto Elite Towing LLC
09.2019 - 12.2022
- Managed and handled company documents so that information could be created, shared, organized, and stored appropriately for employees and customers.
- Processed payments, file records of transactions, and responded to escalated inquiries from internal and external contacts.
- Overlooked scheduling of vehicle shipments and follow-up with involved parties to maintain current shipment status and ensure successful completion of delivery.
Major Sales Associate
Costco Wholesale
05.2015 - 05.2017
- Supported company mission and positive environment by exhibiting honesty, integrity, and high-quality with customers and colleagues.
- Addressed customers' diverse needs and inquiries and maintained knowledge of current products, prices, and availability to ensure quality customer service.
- Increased credit and loyalty program enrollment.
Education
High School Diploma -
Niles North High School
Skokie, IL05.2013
Skills
- Communications
- Sales
- Problem Solving
- Negotiation
- Debt management
Certification
SAFE Mortgage Loan Originator Test
Nationwide Mortgage Licensing System and Registry
(NMLS) ID 2182139
Timeline
Senior Credit Assistance Specialist
Bank Of America
03.2024 - Current
Credit Assistance Specialist
Bank of America
01.2023 - Current
Mortgage Loan Officer
Rocket Mortgage
07.2021 - 05.2022
Owner/Operator
Auto Elite Towing LLC
09.2019 - 12.2022
Major Sales Associate
Costco Wholesale
05.2015 - 05.2017
High School Diploma -
Niles North High School
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