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Tommy

Collections Agent with Extensive Debt Recovery Experience

Video resume

Job
Soft collection

Contact

San José, San José, Costa Rica
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Competencies

Loan Approval & UnderwritingAdvanced

Assessed financial documents, verified customer data, and approved or denied loan applications.

Collection & NegotiationIntermediate

Contacted overdue clients, negotiated payment plans, and managed credit balances.

Customer Service & SupportIntermediate

Provided support to customers through inquiries, refunds, and account management.

Documentation & Report AnalysisAdvanced

Reviewed various financial and legal documents to support loan approvals and collections.

Process ManagementIntermediate

Handled purchase orders, billing, and refunds to ensure operational efficiency.

Education

Bachelor
Instituto Urraca
Completed 1990
Relaciones Publicas
Universidad de Panama
Completed 1996
Computer Programing
University Castro Carazo
1999
Translator Interpreter
Universidad Internacional de las Americas
2010
University of the Pacific

Languages

English

Summary

Experienced in loan approval, collections, and customer support across financial services, with a strong focus on document analysis and client negotiation.

Key Achievements

  • Reviewed and approved loan applications across multiple institutions, ensuring compliance and accuracy
  • Negotiated payment plans and managed overdue accounts, reducing delinquency rates
  • Handled diverse customer service interactions, including credit and refund processes

Experience

Loan Officer Approval

Wolrd Business Lenders

Review documents related to property, Review bank statements, Conduct interviews with borrowers, Create reports based on analysis

Technical Support

Bosch
February 2023

Customer service, Process refund, Guide customer with settings on vehicle

Loan Officer Approval

Credito Realusa
2022

Receive and review documents (bank statements, titles, job letters, auto checks reports), Underwriter process, Verification of employment

Collection Agent

Bill Gosling
2021

Contact customers with past due balances on car loans, Negotiate payment plan, Contact client portfolio through emails or phone calls

Support Associate Agent

Dialog Direct/Qualfon
November 2018

Deal with purchase orders, Tracking information, Payments and refunds, Retentions and billing processing

Loan Officer Approval

Empire Shared Services
January 2018 - October 2018

Loan cash application analyst verification, Review credit information, Review bank statements and official documents

Collection Agent

Client Services Incorporated (CSI)
2017

Manage client contact by phone, Negotiate credit card balances, Determine payment plan according to client past due balances

Loan Officer Approval

Project Management Group (PMG)
October 2011 - May 2016

Verify customer information prior to loan approval, Negotiate balance by setting payment plan

HR Support Agent

I.B.M (Canada)
August 2009 - December 2010

Submit payroll, Travel expenses report, Medical insurance upgrade information during annual enrollment

Skills

Loan Approval & UnderwritingCollection & NegotiationCustomer Service & SupportDocumentation & Report AnalysisProcess Management
Published on CazVid - Jul 3, 2025
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