Mortgage Professional Resume Example

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) 

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