Kristi Roxas

Litigation Paralegal, Title Curative Specialist, Sr. Default Contested Coordinator -

EverBank

Jacksonville, FL

accu1a@r.postjobfree.com - 904-***-****

I have an extensive background in customer service and problem solving. I specialize in title curative and

foreclosures, among various default positions in the mortgage industry, but I also have a background as a

receptionist and clerical/administrative duties. I am familiar with the Alltell/Fidelity system, Microsoft Office,

Outlook, and Internet.

WORK EXPERIENCE

Litigation Paralegal, Title Curative Specialist, Sr. Default Contested Coordinator

EverBank - Jacksonville, FL - June 2008 to January 2013

Currently working in the Legal Department responsible for various Litigation cases and subpoena responses

• Prior to working with Legal I was responsible for training all of the new hires & providing information to other

departments when asked for Title Curative

• Followed up and scrubbed cases referred to the attorney for title defects

• Attended scheduled Notary/Officer signing meetings for all official mortgage/legal documents

• Stayed updated on investor guidelines and deadlines

• Reviewed legal description errors, property surveys, maps, appraisals for issues such as encroachments,

easements, improvements, eminent domain, prior lien disputes, & name discrepancies

• Familiar with origination title defects. Completed bill back, repurchase or make whole demand/notices to prior

servicers after reviewing closing instructions, files, title policies & commitments, etc

• Handled mobile home conversions from personal property to real estate, reviewing title policies for ALTA 7s

• Familiar with Mutual Indemnification Agreements, state, and investor specifications for acceptance

• Reviewed details for attorney error on post foreclosure sale issues and placed proper parties on notice

• Reviewed HOA/Condos and co-op liens to determine whether they have priority over our mortgage, sent

borrower notices, requested checks, and paid accordingly, or contested HOA Complaints

• Attended Mediation Hearings, completed Interrogatories, Production of Document requests

Foreclosure Specialist II, Non-Judicial Only- Prime and Home Equity Lines of Credit

Wachovia Bank, N.A - Jacksonville, FL - 2007 to 2008

Talked to debtors, attorneys, trustees, paralegals and internal collections representatives. Discussed options

with debtors to save homes when they defaulted on their mortgage

• Reviewed values/inspections of houses to decide if there is enough equity to continue with foreclosure

• Completed research of loans including lien verifications/lien positions & possible equitable subrogation as

resolution

• Worked with counsel to clear all title defects including easements, encroachments, prior liens, etc.

• Prepared files & referred to attorneys for foreclosure with instructions on handling, prepared bidding

instructions for our own foreclosure sales or to bid at senior lien holder's sales, tax foreclosure sales, or

redemption.

Bankruptcy Specialist II

Bombardier Capital, Inc - Jacksonville, FL - 2000 to 2006

Chapter 13s), Bankruptcy Specialist I (Chapter 7s), Bankruptcy Support Representative, Field Chase

Representative

• Handled Chapter 13 Accounts in high volume states

• Reviewed the new process of the 2005/2006 Reformation Statute

• Discussed options with debtors to save homes when they defaulted on their mortgage and bankruptcy

• Handled "problem" accounts and escalated calls

• Utilized Pacer to review the most up-to-date Court information and to ensure our outside attorneys made

court deadlines to file motions

• Reviewed Bankruptcy Petitions, completed post-petition pay histories, Chapter 13 Plans, and Discharge

Notices and requested Motions for Relief, Objection to Plans, and Adequate Protection

• Set post petition due dates, researched debtor & trustee payments, completed queue daily, analyzed

accounts for recovery rates

• Handled Chapter 7 accounts, reviewed for Motions for Reliefs, sent and filed Reaffirmation Agreements. Filed

Proof of Claims for all CH 13 BK loans, including Chapter 7 in Tennessee

• Bankruptcy Support Representative: opened and distributed mail to correct specialist

• Loaded new filings in our servicing system, (Fortracs and LSAMS)

• Put packages together for specialist and faxed requests to attorneys for different motions

• Field Chase Representative: Assigned accounts to Field Representatives nationwide to collect face to face

when we could not locate customer by mail or telephone, or to do inspection on abandoned homes

• Updated Field Representatives on account changes

DDA Operator

GC Services - Chesapeake, VA - 1999 to 2000

Directory Assistance/411 Contractor: Answered high amount of incoming calls

Receptionist

Secretariats, Inc - Norfolk, VA - 1999 to 1999

Messaging and dispatch service: Answered and dispatched calls for local companies

Receptionist/Senior Advisor

Map Mobile Communications - Chesapeake, VA - 1996 to 1997

Messaging service: Answered calls for companies Nationwide

EDUCATION

Associates in Criminal Justice

Florida Metropolitan University

2004 to 2007

Certificate in Paralegal

Tidewater Tech - Virginia Beach, VA

1999 to 2000

SKILLS

Six Sigma Level One Agent - Problem Solving Process

ADDITIONAL INFORMATION

I worked as Corporate Litigation Paralegal working closely with Counsel, Title Companies, and third party

contractors to oversee correction of servicing and origination errors, garnishments, subpoenas, discovery,

and pleadings filed on our behalf. While at EverBank, I have held the positions with Default of Title

Curative Specialist, Sr. Contested Default Coordinator, and Condominium, HOA, and Co-op Representative.

I have worked in this industry for 15 years. I am specifically skilled in all aspects of regulatory procedures

related to Litigation, Title Defects, Foreclosure, Bankruptcy (Chapter 7 & Chapter 13), Field Services,

Homeowners Associations, Condominium, and Co-op related issues, with knowledge of Repossession,

Replevin, Collections, and Loss Mitigation. I possess excellent quantitative and analytical skills, as well as

superior interpersonal skills. I am a Six Sigma Level One Agent with dedication to quality and efficiency, also

skilled in procedure and process development, negotiations, and mitigating cost. I am comfortable in team

environments & focus groups, as well as working independently. I am able to delegate work diplomatically,

and have effective leadership capability, great follow through, and a strong sense of ethics and integrity. I have

established relationships with attorneys, other lenders, title companies, and third party contractors, such as

US Real Estate, and LPS. I am attentive to our investor's guidelines and time frames.

Contact this candidate