Lamar Branch

acd6kd@r.postjobfree.com

**Saffron drive

Lumberton NJ 08048

609-***-****

Objective: To obtain a position that will allow me to utilize my education and prior work

experience and offers an opportunity for advancement. I want to use my extensive skill

and expertise to provide quality service.

Experience:

TD Bank Consumer Operations - Consumer Loan Processor February 2014 - Present (Temp)

* Verifies loan documentation by inspecting documentation for compliance with company policies and regulatory requirements.

* Corrects documentation by noting and forwarding deficiencies to be corrected; tracking correction of deficiencies.

* Updates loan database by verifying and entering data.

* Answer phones/emails and provide customer service, troubleshoot customer issues, document contact.

* Improves loan documentation process by analyzing documentation requirements and procedures; recommending changes.

* Keeps information accessible by sorting, scanning and filing documents.

* Updates job knowledge by participating in educational opportunities.

PHH Mortgage - Merrill Lynch Underwriter May 2013 to November 2014

* Review, analyze, approve and underwrite residential mortgage requests using conforming,Fannie Mae and Freddie Mac lending requirements.

* Review individual and corporate tax returns, credit reports, applicable ratios (DTI/LTV),property evaluation and various other factors.

* Determine and document loan conditions and communicate requirements and/or decisions.Assist in identifying, recommending and/or negotiating alternative loan requirements,funding and/or loan requirements, funding and/or loan structuring solutions.

* Examine transactions to ensure accuracy and completeness within government Fannie Mae/ Freddie Mac guidelines.

PHH Mortgage – Loss Mitigation SPOC Case Manager April 2012 – Present

* Manage pipeline of loss mitigation files in various stages in accord with timelines and protocols established by PHH and its investors and clients.

* Proactively communicate with borrower and authorized third parties to ensure, based upon facts presented at the time, understanding of all potential outcomes at each step of the process.

* Through ongoing self-education and training, ensures that all verbal and written communication to borrower and authorized third parties is in a manner that is simple to understand, empathetic to the borrower’s financial situation, professional, and represents a strong breadth of knowledge.

* Complies with all state and federal laws and PHH Legal and Information Protection requirements.

* Collaborates with various support departments within servicing to identify needs, propose innovative solutions and deliver results while meeting deadlines in a professional manner.

* Serves as an assistant and team player to other Case Managers.

* Escalates issues timely to applicable channels /Resolve escalated issues in a timely manner.

* Leads or attend meetings and participates in projects.

PHH Home Equity Service Center – HELOC Default Specialist Jan 2010- April 2012

* Contact all delinquent loan accounts

* Ask probing questions to communicate default information

* Research all problems related to delinquencies and handle accordingly

* Advise and assist clients with work out options to help cure default on accounts

* Handle incoming mail / calls regarding delinquent loans

Adapt investor changes and system enhancements

* Setup repayment agreements / update database and keep track of repay plans

* Assist with loss mitigation, preparing and updating loan modification documents Prepare certified mail/ register certified mail / file certified receipts / returns

First Financial Asset Management _ June 2008 – August 2009

* Make at least 100 calls per day to clients/debtors

* Confer with clients/debtors by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts and determine appropriate strategy.

* Generate payments from clients/debtors.

* Locate and monitor overdue accounts, using computers and a variety of automated systems.

* Locate and notify clients/debtors of delinquent accounts by mail or telephone

* Notify credit departments, order merchandise repossession or service disconnection, and turn over account records to attorneys when clients/debtors fail to respond to collection attempts.

MRS August 2005 - June 2008

* First Party Collections (Auto loans, Credit cards)

* Make at least 100 calls per day to clients/debtors.

* Confer with clients/debtors by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts and determine appropriate strategy.

* Generate payments from clients/debtors.

* Locate and monitor overdue accounts, using computers and a variety of automated systems.

* Locate and notify clients/debtors of delinquent accounts by mail or telephone.

Education:

University of Maryland Eastern Shore Business Admin.

2001 – 2003

Other Skills: Computer technology & Computer Concepts

Quality Focus, Financial Skills, Financial Software, Financial Diagnosis, Attention to Detail, Legal Compliance, Confidentiality, Coordination, Organization, Job Knowledge

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