OBJECTIVE:

Seeking to obtain a secure employment opportunity with a company that can and will maximize my, Sales, Mortgage and Payment Processing experience, quality assurance skills, excellent Loss Mitigation and negotiation skills plus my in - depth Collection and Customer Service background, to be used to the fullest potential and growth for the company, for which I will be employed by. I plan on bringing dedication a hard work ethic and my fast learning abilities to achieve and progress with the company that will afford me the opportunity.

SUMMARY:

• A total of 10 plus years, of hands experience with Loss Mitigation, Mortgage Loan Processing / Operation Processing and Back-End Collections, with outstanding Customer Service skills.
• Experienced in Foreclosure procedures, short sales, Deed in Lieu, bankruptcies knowledge.
• Knowledge of Loan Processing and Mortgage Closing.
• Experienced in gathering legal documents and checking signatures for proper processing.
• Very great Skip Tracing and web-base searching skills.
• Have the ability to multi-task using several different computerized systems and internet search engines.
• A total of 2 year of payment processing experience.
• A great performer in a stressful, high volume environment.
• Proficient in Excel, Word, CSW, Cacs AutoPro and other company program systems.
• Self-starter and multi-tasker, with a will to do whatever is necessary to get the job done.

PROFESSIONAL EXPERIENCE:

Confidential

Billing Specialist

Responsibilities:

• Provide excellent customer service to clients to assist clients with complicated billing issues.
• Navigate through several different applications (ICOM, CSG, EVOLVE)
• Submit cases for misapplied payments, missing payments, and customer credits etc.
• Develop and maintain a professional relationship with team members and clients.
• Assist with communication to clients, requesting missing or incomplete information found during the data entry process.
• Resolve complex issues and concerns to bring clients delinquent accounts current.
• Provide exceptional service in order to meet customer satisfaction and company goals.
• Assess client’s needs and provided effective payment options

Confidential

Operation Analyst

Responsibilities:

• Contacted Appraiser in Crisis areas where we had hard times getting appraisal work done to have them fill the work assignments.
• Contacted appraisers to become apart of the Confidential Proprietary Fee Panel.
• Process all documents in Share Point System to add them to Appraisal Panel.
• Check all documents required to make sure Appraisers were eligible to add to Appraisal Panel.

Confidential

Team Manager

Responsibilities:

• Managed a group of 12 to 16 employees, in a team environment.
• Reviewed team member accounts for coaching opportunities.
• Did team member’s annual reviews.
• Navigated through several computerized data base systems and other related application systems.
• Collected on Past-due Payday loans, from 90 to out of statue of limitations.
• Offer settlement on charge off loans.
• File court papers on debtors who refused to pay-off balances.
• Did extensive skip searching, using accurrint and other web-base system.
• Pulled credit reports to check ability to settle debt.
• Process payments and close out accounts.

Confidential

Mortgage Specialist

Responsibilities:

• Navigated through several computerized data base systems and other related applications as needed.
• Gathered up all necessary forms to process loan, like RMA, tax statements, insurance statements, 4506-T or 4506-T EZ and hardship letter etc... Submitted comp and organized forms to investors.
• Reviewed Home Mortgage loans for the HAMP Program.
• Preformed Title searches, Judgments and Lien searches, using web-base systems.
• Advised clients about Bankruptcies procedures, Deed in Lieu, Short sales and Forbearances.
• Scan documents to assure that we had proper signatures and that all paperwork was in to move forward with loan modifications, or to refinance home mortgage loans.
• Calculated home budget to see if homeowner qualified for loan modification.
• Work with Banks, to assure that all paperwork was received and that loan modification was completed.
• Work closely with investors, like Fannie Mae, Freddie Mac, FHA and VA to make sure modifications were completed and processed.
• If homeowner filed bankruptcy, made sure that debt was reaffirmed and also that we had affidavit signed by attorney to proceed to modify and process mortgage loan.
• After decision was made and received, from underwriting, process and close out loan modification.
• Postponed Foreclosures to allow time for investors / servicers to decision modifications.

Confidential

Back-End Account Manager

Responsibilities:

• Took calls for team members for talk offs and irate calls.
• Contacted customers to arrange payments on their defaulted loans.
• Handle accounts from 30 to 120 days past-due.
• Work in team environment to make sure monthly team goals were meet.
• Meet and exceeded monthly goals (dollars collected, repossession and charge-off goals).
• Assisted manager with talk-offs to help out teammates.
• Skip traced and located account holders to discuss their outstanding balances.
• Set up acceptable arrangements on account holders accounts.
• Navigated through computerized systems.