Jessica Claire
Montgomery Street, San Francisco, CA 94105 (555) 432-1000,
I am an experienced professional with 10+ years of extensive experience in loan modifications and consumer collections. While providing a comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close. I am committed to meeting or exceeding production goals and customer expectations. Extremely well organized and great time management skills. A team player who is adapt to new training personnel on projects and procedures, protocols, best practices, and utilizing team-building exercises to increase production and morale. Experienced in all aspects of underwriting, Originating, training, processing, sales, and closing, is required Recognized for strong negotiations skills and desire to utilize analytical, communication, and organizational skills. CORE SKILLS Mortgage Loan Underwriting Cash-Flow Analysis Risk AssessmentLoan-to-value Ratio Conventional/FHA/VA/Fannie Mae Subprime underwriting Reviewing Financial Statement Debt-to Income HUD-1 Statement Ratios Home Equity Conventional & Government Mortgage Investor reporting Conforming & nonconforming loans Modification Residential Lending & Underwriting Guidelines Credit and income analysis Loan closing funding and documentation Collations Foreclosures
Microsoft Word Excel PowerPoint Classes Underwriting, Credit policy, Fraud
01/2004 to 01/2014 Bickford Senior Living | Oswego, IL,
  • Chase Bank specializes in credit cards, mortgage, commercial banking, auto loans, investing and retirement planning.
  • Chase has over 5,574 branch locations with over 255,041 employees.
  • Jr.
  • Underwriter-Mortgage Default Provide assistance to mortgagors that have defaulted accounts while mitigating loss for the investors.
  • Requested to review foreclosed loans to determine adherence with HAMP-Home Affordable Modification Program within requirements and other government sponsored programs and quality review and analysis of Bankruptcy, Foreclosure and Service member Civil Relief Act.
  • Responsible for insuring that all required documents are accurately complete Handle all on boarding systems to complete financials, monitor processes and postpone upcoming foreclosure sales Review, track and approve loans for client satisfaction Resolve inaccuracies of file reporting by creating a system that serves as a gateway to promptly retrieve open and closed files efficiently for approval Complete financial savings forms, monitored and postponed upcoming foreclosure sales, submitted offers to insurance companies and or investors if delegated authority was exceeded.
01/2002 to 01/2004 Account Specialist Sedgwick Claims Management Services, Inc. | Hunt Valley, MD,
  • Specialized in credit cards and payment processing Responsible for 150-200 file collecting information gathering documents and following through with customer concerns of repayment.
  • All goals were exceeded while policies and procedures were adhered.
  • Handled inbound/outbound calls regarding pass due credit cards payment Reviewed credit report against hardship and financials to determine ability to repay Negotiated terms of repayment plans to cure delinquency Assisted with problem solving and payment research Adoptable/Flexible in a fast paced changing environment.
01/2000 to 01/2002 Account specialist Sedgwick Claims Management Services, Inc. | King Of Prussia, PA,
  • Bank of America specializes in credit cards, mortgage, commercial banking, auto loans, investing and retirement planning collections Ability to manage up to 150-200 files through processing.
  • Meet goals and process managed files within guidelines and timeframe.
  • Recognitions were received for top performer of the month by reducing foreclosure.
  • Responsible for communication with mortgage including collections, negotiation and customer service Reviewed and analyzed customer financial documentation and proposer plan solution to assist customer in retaining homeownership Communicated with debtors by telephone or letter of legal obligation to create urgency in payment plan Established repayment plan to repay mortgage payment Review credit report to show ability to repay Reviewed and prepared documents for breach of contract for potential foreclosure property.
Expected in Associate of Arts | University Of Maryland and Jacksonville State College, , GPA:
Expected in Associate of Science | Jacksonville State College, , GPA:
banking, Credit, client, customer service, documentation, fast, financials, financial, forms, gateway, government, insurance, legal, Excel, PowerPoint, Microsoft Word, negotiation, payment processing, policies, problem solving, processes, quality, reporting, research, sales, telephone, Underwriter, Underwriting

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