CHELI HAYNES

**** ******** **** *****

Little Elm, TX 75068

Cell: 972-***-****

abhgb0@r.postjobfree.com

I am a results oriented person with years of experience in a professional setting. I am a quick learner, team

player who is precise in performing my daily duties with an analytical mindset, as well as being highly

resourceful, detail oriented and organized with a strong work ethic and able to work and solve problems

independently and following government compliance procedures needed in order to complete daily, weekly

and monthly guidelines.

PROFESSIONAL EXPERIENCE

CHASE HOME FINANCE February 2009 – September 2014

Mortgage Lending – DIL Post Closer – Lewisville, TX

Deed in Lieu Post Closer September 2013 – September 2014

• Submit Legal documents for execution to Chase officer’s (release of Mortgage/ or satisfaction,

release of assignment and MERS documents) to send to Attorneys for deeds to be recorded.

• Communicated with Attorneys via LPS, email and phone and I contact 2nd Lien holder’s via phone

and email to confirm payoff amounts. As well as communicated internally within Chase.

• Reviewed title for any liens on the property or against borrower processed check request to pay 2nd

lien holder and borrower’s incentives pertaining to the DIL agreement. Documents were submitted

internally to set vendors up for payments of liens (HOA, Taxes, etc.), requested W-9 from vendors for

payment set-up, submitted check request for processing to overnight payments of liens to vendors

and follow up with lien holders to confirm liens have been released and recorded.

• Give updates to FNMA on weekly conference calls.

• Process DIL for several servicers (FNMA, FHA, VA, FHLM ) and bank owned files.

• Process borrowers 1099C on property pertaining to the Deed in Lieu.

• Compose Attorney letters for recording instructions

• Updating HSSN for FNMA prior to recording and after documents recorded. Review county websites

for recording of documents.

• Educating / updating Borrowers of DIL process.

Mortgage Lending – Short Sales Post Closer – Lewisville, TX

Post Closer July 2011 – September 2013

• Audited all short sale closing documents are valid and in compliance per OCC guidelines, confirm

documents are in Lender live, VLS and Fortracs system in order to close out the file for Bank Owned

and files that Chase services (FHLMC/FNMA, FHA, VA, other banking lenders).

• Performed and assisted in Supervisor tasks such as escalations for missing docs to management,

coaching and training new transfers as well as new employees to Chase. Acted as a Team Lead,

overseeing and assisting 11 reps within the Post Closing department

• Communicate with title the company for any missing documents. (final Hud, Arm’s Length Affidavit,

Short Sale funds)

• Assisted when needed as a load leveler using the Flash report which comprises of Liquidation loans

that need to be assigned (List Assist, Short Sale Associates).

• Confirm payoff funds have been received and ready for posting to loans. Worked on numerous

projects with the department and completed in a timely manner.

• Request Lien/Hazard releases via CCW, process Credit Reports and 1099c in MSP once funds are

received, review final HUD of all fees assessed

Mortgage lending – Operations Specialist, Lewisville, TX

Senior Operations Specialist/ Quality Control April 2010 – July 2011

• Communicate with Attorneys, Fannie Mae/Freddie Mac and Loss Mitigation via email, LPS, or

phone to confirm postponement for the sale of the property.

• Review loans for short sale, HAFA, modification or bankruptcy documents, confirming if critical

documents were received to postpone/hold sale on MSP system.

• Confirming if all workout options were done for the loan before proceeding with sale.

• Knowledge of FNMA/FHLMC guidelines.

• Communicate with Regional Managers, Underwriters and Negotiators to get status of the loans.

• Q C’D files for the process control department.

Mortgage Lending – Collections

Collections January 2009 – April 2010

• Communicated with borrower’s to bring their mortgage to a current status to prevent a foreclosure

status. Knowledge of FDCPA guidelines.

• Skip tracing to locate delinquent customers for payment arrangements.

• Process files for modifications to help customers stay in their home at an affordable Mortgage.

Educated customers pertaining to their loan and with escrow question.

• My team worked primarily on accounts that were 180 days or older past due, collected documents

from customers to set up for Trial Payments BAU/MHA.

COTTONWOOD FINANCIAL Irving, TX.

Corporate office for the Cash Store – Consumer Collections

Collections/Customer Service December 2007 – November 2008

• incoming calls from consumers regarding past due accounts. Contacted customers on ADI dialer

system curtailing of 200-350 outgoing/incoming calls.

• Set up payment arrangements to bring the customers account to good standing.

• Communicated with third party collection agencies.

CREDIT ALTERNATIVES Dallas, TX

Various Company Assignments – Commercial Collections

Collections / Accounts Receivable: March 2007 – December 2007

• Worked with various companies to bring accounts to a current status.

• Reviewed orders on hold for release of shipment.

• Maintained contact with clients and service reps.

• Process month end.

• Post debits and credits, and processed variances for customers to repay .

• Post cash, credit card payments.

• Work out payment arrangements to bring accounts to current status.

SKILLS

Experience in Excel Microsoft Outlook

Extensive Skipping AS400

Microsoft word Ten-Key/Data Entry

MSP/CCW Lender Live/LPS/Vender Scape

SPO Tool ForTracs/VLS

I~Vault HSSN / Pacer website (BK)

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