Montgomery Street, San Francisco, CA94105(555) 432-1000, resumesample@example.com
Summary
Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build client relationships. Ability to function at a high level in a wide variety of settings.
Areas of Expertise
Microsoft Office Proficiency
Client Development & Communications
Credit & Collections Call Center Environment
Mortgage Originations & Fulfillment
Data Research & Resolution
Customer Service & Satisfaction
Time & Risk Management
Loan Processing & Underwriting
Experience
09/2013 to Auto Finance Collector IIJPMorgan Chase | City, STATE,
Contacted customers via telephone and/or mail to collect past due amounts for all of the Chase portfolios in a range of delinquency.
Assessed the individual circumstances and decided upon an appropriate course of action for collecting amounts.
Helped determine reasons for non-payment, negotiating payment arrangements, offering suggestions to customers on how to meet their obligations and advising them as to the possible consequences if disregarded.
2012 to 07/2013Home Service Specialist II Refinance Loan ProcessorBank Of America, N.A | City, STATE,
Adhered to all federal and state compliance FNMA/FHLMC conventional guidelines relative to retail mortgage lending for MHA, HARP, and CEMA home loans.
Reviewed income/credit analysis and documentation to determine loan eligibility utilizing the SAFE Mortgage Licensing Act of 2008.
Educated customers on the variety of loan products and available credit options managing more than 60 client relationships a month.
Ordered and executed credit reports, insurance policies, flood certificates, appraisals, preliminary title reports, Real Estate tax certifications and internal/external subordinations.
Exceeded monthly, quarterly, and annual production goals closing and funding conventional conforming loans.
07/2011 to 11/2011Executive Response Specialist II: Loan Modification UnderwriterCitiMortgage, Inc | City, STATE,
Provided meticulous attention to detail in underwriting Presidential escalations for FHA, VA, and Private investor loan modifications by ensuring loan submissions met internal and external eligibility requirements.
Analyzed applicants' credit and income, assets and cash-flow, loan-to-value and debt-to-income ratios, etc.
to determine feasibility of granting the loan to borrowers in default.
Leveraged knowledge of delegated underwriting authority and automated underwriting systems such as DU and LP to help restructure turned-down loans for subsequent approvals.
Developed, implemented and monitored new underwriting guidelines for government and supplement loan modification programs.
Demonstrated excellent follow-through with borrowers, loan processors, and management throughout all phases of the underwriting process.
01/2010 to 06/2011Loss Mitigation Specialist II: Short Sale Prospector | , ,
Built partnerships with attorneys, Realtors, brokers, insurance agents, title vendors, and lenders including Fannie Mae, Freddie Mac, FHA, VA, and other Private investors to delegate Short Sale and Deed In Lieu approvals.
Sufficiently acted as a liaison between buyers, sellers, investors, etc.
negotiating contracts and collecting all necessary documentation and payments to avoid foreclosure.
Frequently submitted orders and disputes on Broker Price Opinions and Appraisals for investors to conduct qualitative analysis of property assessment value.
Managed inquires and requests from clients and third parties via phone, fax, and E-mail manually entering data into a centralized database and imaging system.
Worked in a goal-oriented environment, achieving individual and team daily, monthly, and quarterly performance targets.
Efficiently serviced high volume inbound/outbound calls to analyze the best possible option for curing loan defaults in accordance to borrowers financial hardship.
Pre-qualified and set up loan modifications, forbearance agreements, repayment plans, and loan reinstatements.
Collected loan payments 60-120+ days past due and sold mortgage products by enforcing call center policies, procedures and quality assurance measures.
Utilized customer service call scripts i.e.
the Miranda rights inputting client information and documentation into various systems for approval and completion.
Assisted in implementing new techniques and procedures to enhance efficiency in the homeowner financial assistance process.
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School Attended
St. Charles Community College
Emil E. Holt Senior High School
Job Titles Held:
Auto Finance Collector II
Home Service Specialist II Refinance Loan Processor