MARGARET R. FRANCIS-JONES

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

Telephone: 678-***-****

E-mail: acd2c6@r.postjobfree.com

SUMMARY

• Over 14 years of combined leadership in consumer financing, default management, loan

administrator, loss mitigation specialist, and customer service experience.

• Strong leadership, training and analytical skills.

• Ability to communicate across all levels of management.

• Excellent team player possessing the ability to work independently under tight deadlines.

• Company sponsored training in entry-level management leadership, collection and customer service

class.

• Excellent analytical and leadership skills.

• Outstanding verbal and written communication skills.

PROFESSIONAL EXPERIENCE

SELF-EMPLOYED NOVEMBER 2011 -- PRESENT

Debit Settlement

• Review clients’ accounts, negotiate settlement of clients’ debit with attorneys.

• Discuss clients’ standard and liability, e.g., failure to accept advice on reasonable settlement offers.

• Acknowledge disclosures and disclaimers.

• Mobile notary, Deeds, Wills and Powers of Attorney, Executive Estates.

• Loan modification, financial analysis, negotiation with mortgage companies for loan modification for

customers.

• Invoicing.

• Negotiate contract for special client.

LITTON LOAN SERVICING LP DECEMBER 2002 -- NOVEMBER 2011

McDonough, GA

Loss Mitigation Counselor

• Counseled current and delinquent mortgagors about the HAMP and Non-HAMP loan modification

process.

• Maintained related documents or database information in accordance with company policies and

regulatory guidelines for state, federal, investor, VA and FHA.

• Handled inbound and outbound calls for accounts on trial mode in order to assist with closing

modification and bring accounts current.

• Served as single-point of contact while educating, reviewing and advising mortgagors of documents

and payments needed for the loan modification process and trial modifications.

• Counseled and offer mortgagors different loss mitigation options such as repayment plans, short sale,

deed in lieu, modification and other payment plan options to assist mortgagors in maintaining

affordable payment arrangements.

Mortgage Loan Counselor II

• Negotiated payment arrangements with mortgagors with the goal of retaining a low delinquency rate.

• Collected on past due mortgage loans from 1-180 days delinquent via inbound and outbound calls.

• Provided escrow analysis explanations using RESPA regulation guidelines.

• Gathered information for financial analysis of homeowner's obligations which would enable

collections to make necessary decisions to help cure the delinquency.

• Counseled mortgagors on programs that can be used to avoid foreclosure, such as deed in lieu, pre-

foreclosure sales, loan modifications, or selling of the property on a refinance or assumption basis.

• Interacted with attorneys, investors, government agencies, mortgage insurance companies and real

estate agents as necessary.

• Assisted borrowers with home retention programs such as HAMP, HAUP, and HAFA and company

sponsored mitigation programs.

• Trained newly hired loan counselors on company system.

• Skip-tracing, and maintaining collections records and actions related to accounts.

Mortgage Loan Counselor I

• Collected on past due mortgage loans from 1-90 days delinquent via inbound and outbound calls

dialer.

• Responsible for documentation and updating of accounts.

• Skip-tracing loans to locate contact numbers for borrower in an attempt to lower delinquency.

• Negotiated total delinquencies that include late fees and NSF on accounts with the aim of bringing the

loan fully current.

• Counseled mortgagors on programs that are used to avoid loans from going into foreclosure.

EDUCATION

Beaver College -Philadelphia, PA Associates Degree in Computer Operations

IBM Computer School - Washington D.C. Associates Degree in Computer Operations

Community College of PA Associates Degree in Business Management/Computer Math

TECHNICAL SKILLS

• Proficient with Microsoft Applications (Word, Excel, PowerPoint, Access).

• Certified in FDCPA, Fair Lending, Truth in Lending, Fair Credit Reporting (FCRA), Real Estate

Settlement Procedures Act (RESPA), HAMP Supplemental Directives, Service Members Civil Relief

Act (SCRA), Fair Debt Practices Act & State Laws, Service Members Civil Relief Act (SCRA)

National Service Center HUD Certification.

• Customer Service Oriented, Excellent Telephone Etiquette and Follow-up Skills.

References provided upon request

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