Theron Brown

***** *. ******** #*** *****, Ok ***33

***- ***-**** **** ***- 853-4561

abj7t0@r.postjobfree.com

Objective

To obtain a challenging and rewarding position that will allow me to exude my skills and abilities.

Education

Rogers High School 1992-96

Tulsa Technology Center 1994-96

University of Phoenix- seeking degree Marketing present

Skills/Experience

Proficient in FDR, Calyx Point Microsoft Word, Excel, Outlook, WWW,

Excellent written and verbal communication skills, with an eye for detail

Extremely productive in a high volume, high stress environment

Over 10 years experience of customer service/collections, management

Credit/accounts analysis, residential, commercial bank loans (conventional, FHA, VA, SBA)

Employment History

Restoration Credit Service Mortgage & Credit Consulting

2005 to present

Advise clients with credit challenges; consult with all parties to negotiate a resolution on behalf of my clients. Set up

accounting programs and databases to organize client progress and information. Inform my clients of their rights

concerning credit and identity theft/fraud. Helping clients develop strong credit profile and achieve their financial

goals. Analyze credit data to resolve collections, charge-offs, liens, bankruptcies and domestic judgments. Skip trace

accountholders, negotiate with attorneys on client accounts.

SLT Mortgage Co Mortgage Broker 2005 to present

Serves as primary contact with all parties on individual loans originated from application

•

to closing; duties may include:

o Counseling and pre-qualifying potential home buyers

o Completing applications

o Obtaining all necessary support documents along with appropriate fee and lock-in

information in compliance with FNMA, FHLMC, VA, FHA, and mortgage

lending regulations includes of RESPA, Truth-in-Lending, and HMDA

Overseeing loan process by monitoring loan status and ensuring conformity with

o

terms

o Assisting in collecting additional documents and communicating loan status to all

partie

Establish and maintain client referral relationships with individuals, groups, Realtors,

•

builders/developers; make sales calls on potential or existing customers to develop new

business or retain existing business

Prepare complete loan application package; input loan applications, assemble and prints

•

all required documents

Communicate daily with loan processors, buyers, realtors, and builders on status of loan

•

files

Input approval or declination information into computer system; prepare required notices

•

to send to customer if loan denied; inform borrowers, realtors, builders, and closer of

status of loans; Assist customers via telephone and walk-in customers directly to discuss

loan programs and pre-qualifying requirements and procedures

Attend open houses, broker open trade fairs, RESAT, Women's Council, and APMW and

•

other organizational meetings in order to promote mortgage financing

Train new real estate agents and brokers in areas of financing, qualifying buyers, and

•

lending guidelines

Metris Co. (HSBC) Charge-Off Supervisor 2001-2005

Responsible for managing 15 senior bankcard collectors and maintaining strict productivity and quality expectations.

Communicated new programs and bonus structure as needed. Provided management with daily reports of predicted

dialer programs and team productivity. Maintained schedule of collectors to ensure highest level of accounts resolved.

Consistently received bonus for productivity and team attendance.

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