Experience:
J.P. Morgan Chase Lewisville,Tx 75067 1/2012-
Present Loss Mitigation Negotiator III
Interacted with customers, attorneys and third
parties via telephone combining collection,
negotiation and customer service skills.
· Reviewed and analyzed more complex
customer financial documentation than the LM
Liquidation Negotiator I and II, property
evaluations, HUD's, hardship documentation
and other required liquidation documents in
order to negotiate the appropriate sales price
for the mortgage.
· Maintained responsibility for timely and
accurate system updates and loan status
maintenance on assigned loans in portfolio
· Completed active file audit reviews, quality
control reports, and post closing audit functions.
REDC Default Solutions 6/2011 -1/2012
Customer Service Representative • Systems:
Loan Prospector, Equator
• Verified that all correct documents support
valid Hardship per FNMA guidelines
• Assist Homeowners Determine what
Liquidated option would be essential to avoid
foreclosure proceedings
• Initaite Shortsale and Deed-in-lieu options for
delinquent homeowners
• Update Customers on status of file and
educate on the entire process of their specific
program and company procedures.
• Make outbound calls promoting liquidation
options to delinquent homeowners.
• Exceeds minimum quota for calls per hour
expected.
Select Staffing/Bank of America Home Loans,
Plano, TX 6/2010 - 5/2011 Home Service
Specialist II (Loan Processor)
• Systems: AS400 ,CIWI, Homebase, Homesaver,
Stewart, I-portal, Urban Lending Solutions,
LMF,WPT
• Differentiated and updated/routed
correspondence to correct department
• Determined validity of hardship, followed
Imminent Default Guidelines
• Verified that all correct documents support
valid Hardship
• HSS II Responsibilities
• Examined all loan documents/documentation
for accuracy and completion
• Worked with the borrowers, loan originators,
vendors, or production staff to secure all
required documents for underwriting process
• Involved with one or several types of mortgage
lending such as conventional and government-
backed; GSE, non-GSE loans
• Contacted customers in high call volume
environment, to follow-up and maintain lasting
relationships through document retrieval
process
• Ordered credit reports and sent solicitations/
account update to customer
• Calculated customer assets and expenses and
input into system (LAMP) database to determine
eligibility for modifications
• Adhered to FNMA/Freddie Mac Guidelines to
successfully service loan reviews for
underwriting process
• Updated expenses in company database to
determine eligibility for Modification
Adecco Staffing/GMAC- RFC Mortgage, Dallas, TX
7/2007 - 12/2008 Loss Mitigation
Representative/Assistant
• Systems: Mortgage Serve, FMSO Policies &
Procedures Manual
• Reception of disposition referrals and
subsequent analysis to determine that all
alternatives to allow ownership retention have
been exhausted
• Educated customers on resolution alternatives
and offered an optimal resolution path
• Determined the borrower’s reason for
delinquency
• Assisted in taking monthly or plan disbursed
payments
• Prepared Modification Documents to qualified
Borrowers
• Negotiated Listing prices, and assisted
homeowners and third parties with preliminary
process of Short Sales from CIT Referrals
• Administrative Assisting to Higher
Management and Team
• Received inbound queue calls, met monthly
call minimum
• Trained new employees on learning company
system, call handling guidelines and basic
requirements of job
Education:
Creekview High School, 8/2001 - 5/2005 Degree/
Certificate Received: Diploma
El Centro College, 1/2008 - 5/2008, 1/2009 - 5/
2009 Degree: Associates
Brookhaven College, 8/2010- In Progress
Degree: Associates
Skills:
• 7 years of Outstanding Mortgage Loss
Mitigation, Customer Service and
Administration/Clerical knowledge and
experience
• Able to complete tasks and assignments in a
high call volume work environment
• Knowledge of FNMA, FHA, GNMA, FHLMC
• Detailed understanding of mortgage banking
terminology and flows
• Excellent verbal and written communication
skills
• Ability to multi-task and work well under
pressure
• 10 key stroke by touch, 60+ WPM
• Microsoft Office (Power point/Word/Excel/
Outlook/Adobe/Lotus Notes)
Provided by OneBuckResume.
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