TONYA THOMAS
PROFILE SUMMARY
A highly motivated, professional, who has a rich mix of experience in Customer Service, Compliance, Financial Services, and Public Service. An accomplished, analytical thinker and problem solver, with a proven track record of increased responsibility within various departments. Known for the ability to motivate team members and communicate effectively with people from various cultural backgrounds and educational levels.
Has exceptional work ethic and great character, with the mindset of helping an organization to deliver exceptional results, while maintaining its integrity and quality of service.
RELEVANT SKILLS
• Logical & Critical DecisionMaking
• Finance & Credit Analysis
• Positive Attitude
• Active Listening
Skills
• Adaptive Team Player
• Skip Trace
• Customer Focused Service
• Results Driven
• Persuasive Communication
Expertise
TECHNICAL PROFICIENCIES
Microsoft Office Suite
SharePoint, Salesforce, Cal Saws, The Work Number
RELATED EXPERIENCE & SELECTED RESULTS
CITY AND COUNTY OF SAN FRANCISCO, SAN FRANCISCO, CA, JANUARY 2021- CURRENT Senior Collections Officer
• Responsible for the collection of revenue, due to the City and County of San Francisco, through personal and telephone contact, correspondence, and legal action. • Uses skip-tracing techniques, including communications with various agencies and the public, to obtain information to locate debtors.
• Interview and correspond with debtors to elicit payments and explain County policies and legal requirements.
• Obtains and verifies information relating to debtor's employment, earnings, property, credit, bank accounts, assets, liabilities, and similar information. • Prepares accounts for legal enforcement, including developing case summaries, obtaining evidence, and consulting with attorneys, claims adjusters, other County departments, and outside agencies. • Maintains records of data and information on cases.
• Performs related duties and responsibilities as assigned.
COUNTY OF SAN MATEO, Redwood City, CA, April 2015-January 2021 Revenue Officer
• Responsible for the compliance and specialized revenue collection work involving revenues due the County from agencies such as Traffic Division, Superior Court, Adult and Juvenile Probation, Adult Private Defender, Victim Restitution, Sheriff's Work Program, and San Mateo Medical Center. • Reviewed analyzed, and validated a defendant's debt to prepare their accounts for legal enforcement such as Writs or State Tax Interception.
• Obtained and verified information related to the debtor's employment, earnings, property holdings, credit, bank accounts, assets, and liabilities for the collection of delinquent accounts. • Implemented and monitored repayment agreements.
• Explained County policies and legal requirements to defendants and/or the general public WELLS FARGO, San Francisco, CA, March 2014-April 2015 (Temporary Assignment - Kelly Financial Services)
Quality Assurance Analyst II
• Leveraged extensive industry experience to drive the success of quality assurance initiatives, including review of all trade and counterparty documentation related to derivative transactions and Dodd-Frank regulations.
• Proactively ensured proper auditing, tracking, reporting, and compliance with bank requirements and various regulations.
• Guided lenders and coached staff regarding documentation and underwriting requirements such as evaluating declined credit applications, insurance claims, accounts, files, systems, and processes to ensure bank standards were met.
BANK OF THE WEST, San Francisco, CA, 2013 (5-Month Assignment - Aerotek Staffing Agency) Underwriting Consultant
• Gathered, researched, and analyzed data from Credit Requests, Credit Request Memorandums, and pertinent historical documents to determine the collateral value of assets and property (average value of $5 million) used for commercial mortgages.
• Assessed and proactively ensured compliance with banking regulations as well as state and federal laws.
ENGS COMMERCIAL FINANCE CO., San Ramon, CA, 2012-2013
Documentation Supervisor
• Led, directed, and supervised a staff of seven, while fostering a positive and productive work environment.
• Coordinated loans and leases for current and potential customers seeking finance solutions for heavy equipment such as commercial trucks and trailers involving equipment dealers, manufacturers, and operators.
• Prepared and reviewed commercial loan documents such as Indemnity, Guaranty, Security Agreements, Deed of Trust, and Promissory Notes to ensure compliance with company policies and procedures, as well as state and federal laws and regulations.
THE PMI GROUP, Walnut Creek, CA, 2003-2012 (promotions during employment tenure) Quality Control Analyst (2010-2012)
• Aggressively drove quality initiatives through loan-level servicing record reviews in the Home Preservation Department.
• Assessed and identified strengths and weaknesses in defaulted mortgage loan servicing practices of loan servicers.
• Analyzed recorded calls of staff loan counselors and third-party vendors to ensure compliance with internal policies and performance standards, as well as FDCPA requirements and other laws and regulations.
Loss Mitigation Specialist (2007-2010)
• Provided outstanding service while assisting distressed customers, from top industry servicers, with options such as Loan Modifications, Pre-foreclosure Sales, Deed-in-Lieu of Foreclosure, Repayment Plans, HARP, and Pre-claim advances.
• Monitored and ensured loans complied with laws and regulations that govern consumer lending such as privacy, HUD, RESPA, Fannie Mae, and Freddie Mac.
Claims Specialist (2003-2007)
• Settled mortgage claims submitted from mortgage servicers and ensured loans complied with PMI’s Policies and Procedures as well as California Fair Claims Practices and Regulations. • Fostered positive professional relationships with cross-functional team members and communicated regularly with several internal departments such as: Legal to obtain advice and consultation regarding policy interpretation; Claims regarding final workout; Policy Servicing to coordinate reinstatement of coverage; and Investigations for suspicion of fraud.
• Generated and analyzed ad hoc reports, and made decisions accordingly.
EDUCATION
Bachelor of Science in Finance, San Jose State University, San Jose, CA Bachelor of Arts in Communications, San Jose State University, San Jose, CA MS in Health Care Administration, Cal State East Bay, Hayward, CA