Raquel J. Andrews

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

Beaumont, Texas 77706

Home Phone 409-***-****

Cell Phone 409-***-****

O B J E C T I V E

To obtain a challenging position where my Finance and Business

Administration skills are utilized, strengthened and broadened.

W O R K H I S T O R Y

Loan Resolution Manager III (Special Assets Manager), BBVA Compass Bank

Dec. 99-March 2010

Managed the Collection and Loan Resolution departments of the East Texas

Region

. Managed the daily collection of delinquent consumer and commercial

loans, including all regional Bankruptcy, mortgage and home equity

loans.

. Compiled, analyzed and interpreted statistical data that was used in a

monthly budget payroll report.

. Handled the repossessions, foreclosures and liquidation processes of

the banks collateral.

. Responsible for reducing loan loss and increasing loan recovery

through collections of delinquent and charged-off loans.

. Advised regional branches and management on proper collection

procedures and provide support to regional banking locations as

needed.

. Created and modify various management reports used for assessing

weekly, monthly and quarterly status of departmental operations.

. Managed the check and credit card payment by phone process.

. Bank Representative in litigation (Bankruptcies and Recovery

Litigation)

. Handled the processing of charged off loans and litigation for

judgments.

. Worked very close with banks legal counsel (attorneys).

Special Assets/Loan Accounting & Servicing Manager AUG 04-MAR 06

Managed the daily functions of the Loan Accounting Department

. Quoting and processing of loan payoffs

. Customer inquiries

. Process loan payments

. Research problem loans

. Handle loan maintenance

. Mail out billing notices

. Verification of data entry from prior day's work

. Audits on loan payment histories

. Worked closely with employee to resolve any work related

interruptions.

Managed the daily functions of the Loan Servicing Department

. Maintained the Loan Servicing of the East Texas Commercial Lenders

Portfolios.

. Managed the daily functions of the paid out loan processes.

. Ensured timely retrieval of documents for lenders, research and 1098

requests.

. Supervised the maintenance of the merchant accounts, providing

customer service to Bank personnel, merchants and their customers.

. Responsible for Credit Bureau reporting and disputes.

. Bank Representative in litigation (Bankruptcies and Recovery

Litigation)

. Handled the processing of charged off loans and litigation for

judgments.

. Worked very close with banks legal counsel (attorneys).

Financial Trade Manager, Mellon Mortgage Company OCT. 92-JAN. 99

. Managed and supervised the trade and reconciliation operations for the

Risk Management Development.

. Compiled, analyzed and interpreted statistical data that was used in a

monthly budget financial projection report.

. Created various management reports used for assessing schedules,

surveys and daily departmental operations.

. Served as a liaison between the Finance and Risk Management Department

on implementing financial policies.

. Maintained and modified system software in a large user-friendly

environment.

. Developed and interpreted policies and procedures, regarding

settlement and trade issues in the Secondary Marketing Department.

Bank Mortgage Specialist

. Responsible for delivery of mortgage loans to investors and fulfilling

marketing commitments with contract deadlines. Investors include:

FNMA, FHLMC, GNMA, and various brokers.

. In-depth knowledge of securitization automation and verifying styles

of loan delivery.

Teacher, McReynolds Middle School (HISD) AUG. 90-OCT. 92

. Taught math, science, history and behavior modification.

. Evaluated classroom behavior, supervised reading programs and aided in

the development of new learning skills.

Administrative Assistant, Prairie View A&M Accounting and Finance

Department AUG. 86-MAY 90

. Assisted with accounts receivable and accounts payable.

. Compiled information for financial records and maintained departmental

day-to-day operations.

. Drafted correspondence, reports and gathered information for

assignments.

E D U C A T I O N

B.B.A. Business Administration

Prairie View A&M University

C O M P U T E R S K I L L S

Microsoft Access, Microsoft Word, Microsoft Excel, Lotus 1-2-3,

WordPerfect 5.1, Paradox, DSL and Wang VS & PC and Mortgage Flex.

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