Summary
Overview
Work History
Education
Skills
Timeline
Generic

Brenda Garcia

Glendale

Summary

Accomplished professional with extensive experience at JPMorgan Chase, specializing in credit analysis and customer retention. Demonstrated expertise in advanced PC skills and strong negotiation, leading to significant minimization of losses and enhancement of customer satisfaction. Proven ability to navigate complex financial landscapes, ensuring compliance with treasury directives and FDCPA.

Overview

24
24
years of professional experience

Work History

Special Credit Analyst II

JPMorgan Chase
01.2022 - 06.2023
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Assessed credit risk and analyzed financial statements.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.

MB CA Relationship Coordinator

JPMorgan Chase
01.2016 - 08.2019
  • Deliver a customer experience through building lasting relationship's, exceeding expectation, being courteous and professional, doing the right thing and owning customer inquiries from start to finish.
  • Perform financial interview and educate the customer on a work out options that allows customer to retain their home.
  • Help customers avoid foreclosure by pre-qualifying them for various workout options.
  • Minimize losses to the bank.
  • Work with multiple investors.
  • Contact customer via ( Dialer ) inbound calls.
  • Help customer fill out the forms for mortgage assistance.
  • Working overtime on weekly basis to ensure all loans are touched and worked to get a fast resolution for my customers.

MB Customer Assistance Specialist I

JPMorgan Chase
01.2013 - 01.2016
  • Perform financial interview and educate the customer on a work out options that allows customers to retain their home.
  • Help customers avoid foreclosure by pre-qualifying them for various workout options.
  • Minimize losses to the bank.
  • Contact customers via (Dialer) inbound and outbound calls.
  • Working overtime on weekly basis to insure all loans are touched and worked to get a fast resolution for my customers.

MB Customer Assistance Specialist I (2nd Mortgage)

JPMorgan Chase
01.2013 - 12.2013
  • Goal is to keep customers in their home, and maintain losses to the bank.
  • Contact customers via outbound calls, and inbound (Dialer).
  • Follow up with the customers during the 3rd trial payment to complete the modification on 2nd mortgage.

Dialer Collections I

JPMorgan Chase
01.2013 - 12.2013
  • Front end collections - first contact with customers on second mortgages.
  • Help customers avoid foreclosure by pre-qualifying customers for various workout options.
  • Contact customers via outbound calls, and inbound (Dialer).
  • Minimize losses to the bank.

LM Solicitor II-Mortgage Banking (Non-Prime)

JPMorgan Chase
01.2012 - 01.2013
  • Contact customers via outbound calls, and offer best possible loss mitigations workouts.
  • Resolved customers issues regarding all aspects of delinquent government and conventional mortgage loans including: complex inquiries, accounts updates, customers complaints, documents generation, research request generations, follow-up and escalation of issues as necessary.
  • Goal is to keep customers in their home, and minimize losses to the bank.

Lending Services Center Bilingual Advisor

JPMorgan Chase
01.2010 - 01.2012
  • Fast-pace inbound call center environment.
  • Analyzed new applications for credit approval.
  • Review credit bureaus on existing and new applications to determine credit worthiness.
  • Outbound calls to customers to develop customers applications to ensure accurate credit decision.

Lending Risk Bilingual Advisor I

JPMorgan Chase
01.2007 - 01.2010
  • Monitor consumer and business accounts to minimize risk to the bank.
  • Involved in reducing credit lines and or closing accounts.
  • Knowledge of credit bureau reporting information.
  • Reviewing accounts with consumers to determine if accurate decision was made.
  • Assisting with supervisor related calls when escalated.

Fraud Analyst II

JPMorgan Chase
01.1999 - 01.2007
  • Handle calls from customers who have experienced fraud or possible fraudulent activity.
  • Point of sale calls to approve or decline transactions.
  • Outbound calls to customers to verify activity on accounts.
  • Assisted with supervisor related calls when escalated.
  • Coach and peer training.
  • Assisted managers to manage discretionary time.

Education

High School Diploma -

Carl Hayden High School
Phoenix, AZ
05.1996

Skills

  • Advanced PC Skills
  • Inbound / Outbound Calls Environments
  • Account Maintenance
  • Credit Reporting
  • Strong Knowledge of Treasury Directives as they Pertain to mortgage (HAMP, HAFA, etc)
  • Oral and written communications
  • Highly organized
  • Customers Retention
  • Strong Negotiations Skills
  • Experience with Securitized portfolios
  • Experience with Asset Porfolios
  • Strong Knowledge of FDCPA

Timeline

Special Credit Analyst II

JPMorgan Chase
01.2022 - 06.2023

MB CA Relationship Coordinator

JPMorgan Chase
01.2016 - 08.2019

MB Customer Assistance Specialist I

JPMorgan Chase
01.2013 - 01.2016

MB Customer Assistance Specialist I (2nd Mortgage)

JPMorgan Chase
01.2013 - 12.2013

Dialer Collections I

JPMorgan Chase
01.2013 - 12.2013

LM Solicitor II-Mortgage Banking (Non-Prime)

JPMorgan Chase
01.2012 - 01.2013

Lending Services Center Bilingual Advisor

JPMorgan Chase
01.2010 - 01.2012

Lending Risk Bilingual Advisor I

JPMorgan Chase
01.2007 - 01.2010

Fraud Analyst II

JPMorgan Chase
01.1999 - 01.2007

High School Diploma -

Carl Hayden High School

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