Chirag Arora
Summary
Results-driven mortgage servicing professional with a proven track record in loan administration, payment processing, and top-notch customer support. Adept at resolving intricate issues, ensuring strict compliance with regulatory standards, and meticulously maintaining accurate records. Skilled in managing delinquent accounts, negotiating settlements to recover funds, and excelling in client relationship management, product pitching, and closing sales.
Overview
5
5
years of professional experience
Work History
Mortgage Servicing Representative
Canadian Imperial Bank of Commerce
10.2021 - 11.2024
- Contributed to loss mitigation efforts by diligently monitoring payment activity, tracking delinquent accounts, and initiating appropriate follow-up actions when necessary.
- Optimized borrower retention rates through effective negotiation of alternative payment arrangements for struggling homeowners.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Negotiated loan terms and conditions with customers to secure best deal.
Debt Counsellor
Total Credit Recovery
03.2021 - 10.2021
- Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
- Collected on delinquent accounts to reduce overdue balances.
- Educated debtors about repayment options, enabling them to make informed decisions while preserving positive business relationships.
- Exceeded performance targets for successful debt recoveries, contributing to company''s overall financial stability.
- Maintained compliance with all federal and state debt collection laws, ensuring ethical collection practices.
Financial services representative(FSR)
Gatestone & Co. Inc.
05.2020 - 01.2021
- Assessed credit applications accurately by analyzing applicants'' financial history, income stability, and repayment capability.
- Maintained up-to-date knowledge of industry regulations, trends, and best practices to provide informed advice to clients.
- Provided excellent customer service, resolving issues quickly and maintaining long-term client relationships.
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Assisted clients in navigating complex financial situations, offering solutions that met their unique needs.
Education
Post Graduate diploma - Supply Chain Management
St Lawrence College
Scarborough, ONPost Graduate diploma - International Business Management
Cambrian College
Brampton, ONBachelor of Commerce - undefined
Sri Aurobindo College
Ludhiana, PunjabHigh School - undefined
KVM
Ludhiana, PunjabSkills
- Default management
- Financial credit assessment
- Loan restructuring expertise
- Sales and negotiation
- Debt negotiation expertise
- Skip tracing
- Client account management
- Customer service
- Microsoft office
- Interpersonal communication
References
References Available upon request
Languages
English
Hindi
Punjabi
Timeline
Mortgage Servicing Representative
Canadian Imperial Bank of Commerce
10.2021 - 11.2024
Debt Counsellor
Total Credit Recovery
03.2021 - 10.2021
Financial services representative(FSR)
Gatestone & Co. Inc.
05.2020 - 01.2021
Post Graduate diploma - International Business Management
Cambrian College
Bachelor of Commerce - undefined
Sri Aurobindo College
High School - undefined
KVM
Post Graduate diploma - Supply Chain Management
St Lawrence College
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