Mitigation Specialist II Resume New Jersy NJ - Hire IT People

Summary:

2 years of loss mitigation experience in a mortgage industry, loan documentation, short sales, loan modifications, loan processing, data entry and DTI Ratios.

Technical Skills:

Word, Excel, Outlook, Explorer, PowerPoint, AS400, DMS, ITOP, MSP, CACS,I-CAT, LPS, ER and Lexis-Nexis

Education:

Business Administration and Computer Science, University of Monticello.

Professional Experience:

Confidential,
July 2011- July 2012
Loss Mitigation Specialist II

Responsibilities:
Located and contacted customers by telephone and mail, handle moderately difficult skip-trace assignments, assess the individual circumstances and decide upon an appropriate course of action.
Determined optimal resolutions such as modifications, full payoff, short sale, forbearances, or deferments.
Document preparation consisted of completing modifications, repayment plans and partial agreements, following up with customers to obtain signed documents and forward for processing.
Helped develop restructuring plans to assist clients in resolving delinquency and avoiding foreclosure.
Reviewed modification documents including HAMP paperwork, Deeds of Trust, Title for lien information, Income verifications, etc.
Calculated customers’ debt ratio to determine borrower risk.
Collected past due mortgage accounts.
Review and analyzes customers financials, review documents, contracts, listing agreements, tax information and other records and documents to complete customer financials status, advises customer of additional information or documents that may be required.
Prepares loan documents and monitor customers financials. Market customer concerning financial assistance programs.

Confidential, September 2007 - August 2010
Collections Representative

Responsibilities:
Conducted conversations with customers regarding resolution of delinquent accounts. Educated customers on contractual terms and obligations.
Researched payment history, collateral insurance protection, misapplied payments and payoff quotes.
Documented personal information into company database.

Confidential,
August 2005 - June 2007
Collections Representative

Responsibilities:
Provided as the initial point of contact for customers who are delinquent, or were facing a personal situation that would result in delinquency.
Provided excellent customer service.
Worked with other drive time team members (including but not limited to the loan manager, sales manager, general manager and collections).
Ensured the highest possible percentages are maintained with delinquent accounts.

Confidential,
January 2004 - June 2005
Loss Mitigation Specialist

Responsibilities:
Responsible for a certain number of assigned ownership accounts. Maintained contact with delinquent customers to effectively resolve complex issues regarding past due payments while minimizing company losses.
Reviewed modification documents including HAMP paperwork, deeds of trust, title for lien information, income verifications, DTI ratios, etc.
Determined optimal resolutions such as modifications, full payoffs, short sales, forbearances and deferments.
Made direct contact with customers, realtors, brokers, attorneys and title companies to resolve assigned accounts.
Monitored plans for monthly payments, worked with vendors regarding compliance, coordinated systems, updated with new codes and claim information.
Document preparation consists of completing modifications repayment plans and partial agreements, following up with customers to obtain signed documents and forward for processing.
Documented accounts with summaries explaining reason for default and resolution possibilities.
Work with managers to assist with projects in progress, as needed.
Calculated customers’ debt ratio to determine borrower risk.

Confidential,
May 1995 - December 2003
Receptionist

Responsibilities:
Answered multi-phone lines assisting in answering general questions regarding general childcare assistants.
Scheduled appointments between the directors care attendants and the parents of the children and input doctors records in the system.

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Mitigation Specialist Ii Resume

New Jersy, NJ

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