Jessica Claire
Montgomery Street, San Francisco, CA 94105 (555) 432-1000,

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
09/2013 to Auto Finance Collector II JPMorgan 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 07/2013 Home Service Specialist II Refinance Loan Processor Bank 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 11/2011 Executive Response Specialist II: Loan Modification Underwriter CitiMortgage, 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 06/2011 Loss 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.
2009 to 2010 Loss Mitigation Specialist II: Homeowner Assistance Representative | , ,
  • 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.
09/2006 to 11/2008 Service Processor II: Loan Document Processor | , ,
  • Reviewed and updated existing customer loans and other mortgage documents.
  • Searched various systems for multiple investor loans.
  • Prepared mortgage documents for imaging and relocation.
  • Sorted and documents for shipping to investors and custodians.
Expected in 2008 Associate of Arts | St. Charles Community College, Cottleville, M O GPA:
Expected in 2005 High School Diploma | Emil E. Holt Senior High School, Wentzville, M O GPA:

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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
  • Executive Response Specialist II: Loan Modification Underwriter
  • Loss Mitigation Specialist II: Short Sale Prospector
  • Loss Mitigation Specialist II: Homeowner Assistance Representative
  • Service Processor II: Loan Document Processor


  • Associate of Arts
  • High School Diploma

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