TABATHA C. STEPHENS

acf0on@r.postjobfree.com www.linkedin.com/pub/tabatha-stephens/8b/139/36/

**** ****** ** ***. *** Lindenwold, NJ 08021 856-***-****

WHO AM I:

I am a hardworking, detailed oriented person who takes my career very serious. I have a great ability to handle stressful

situations in a calm manner with quality control and safety conscious in the execution of complex projects. I am a team player as well

as an independent worker when needed. A natural communicator, educator, and motivator who build innovative, customized solutions

that streamline process, minimize risk, and surpass client expectations. I am looking for a profession that I am able to utilize my skills

and ability to work for the growth of any organization.

WHAT I WANT TO DO:

I would like to apply my expertise and experience, while exercising outstanding relationship and communication skills, in a

management, consulting, or a sales role.

OBJECTIVE

Service-focused finance associate with a strong commitment to serving the needs of handling finances. I am savvy and skilled

financial professional with a few years of comprehensive investment expertise. I am able to maintain a record of successfully

developing customized financial strategies to meet the needs of clients, manages multiple portfolios with diligent attention and

continual analysis of economic trends to determine appropriate asset allocation. I am successful in evaluating business and investment

opportunities, quickly understanding companies and their market. I possess strong performance in new business development, growth

and diversification. I also, hold the ability to adapt to any given environment. I thrive on challenges and strive to better myself. My goal

is to obtain a position where I can better utilize my knowledge and skills to be an asset to your company.

EDUCATION

Camden County Community College Undergraduate Degree: Associates

Major: Business Administration Blackwood, NJ

Graduation: 05/2011

Major: Business Administration

Thomas Edison State College Undergraduate Degree: Bachelors

Major: Finance Trenton, NJ

Minor: Business Administration Graduated: 12/2013

Wilmington University Graduate Studies: Masters

Major: HealthCare Administration Wilmington, DE

WORK EXPERIENCE

TABATHA C. STEPHENS

PHH mortgage, Default case manager Mount Laurel, NJ 2014-Present

Evaluate the credit, income and assets of borrowers to determine risk and repayment ability. Balanced the need for loan-

volume growth with the equally important necessity of superlative underwriting quality. Process to ensure tha loss mitigation requests

routinely communicate and coordinate with customers the process of foreclosure. Support the Dialer analyst to effectively run calling

campaigns which target the appropriate customers at the right time of the month. Keep informed of all compliance related changes in

the mortgage collection industry. Be an on-going subject matter expert with regard to Servicing policies/protocols, investor specific

guidelines and develop applicable communication updates to support revisions as necessary.

PHH mortgage, Processor Mount Laurel, NJ 2012-2014

Responsible for balancing the need of loan-volume growth with the equally important necessity of optimum underwriting

quality to minimize risk while maximizing profitability. I am known to be a primary contact for customers, financial advisors,

originators, underwriters, appraisers and title companies. I review the Income/credit analysis to determine the customer ability to repay,

communicating the consumer maximum and minimum limits and documentation review. I also, give professional customer service help

to customers about questions on delinquent accounts. For any unpaid debts on aged accounts it is my duty to resolve by collecting the

unpaid debts, helping assist with any disputes, fully documenting and updating all accounts. For any accounts that are unable to be paid

in full I help negotiated payment arrangements on past owing receivables. I speak directly with the customers or financial advisor to

settle on reason for overdue payment and make sure all parties are aware of terms of sales, service, or credit contract.

Allies Inc., Manager Medford, NJ 2008- 2013

Manage a group home for adults with disabilities. These individuals require medical care around the clock including on-call

supervision. Supervising the safety to persons served while providing support and direction to program associates and provided incite to

23 employees. In the group home was responsible for developing and maintained effective verbal and written communication with the

individual’s families, other departments and the program administration. My other requirements were to develop the Individual

Habilitation plans and Behavior Plans, as well as implementation. Also, not limited to assessing and completed behavioral data, incident

reports, fire and safety checklist, and provided insight into development of behavioral intervention plan and Medical needs. Training

and development, which consist of training staff on behavior intervention plans and how to distribute medication, developing monthly

progress reports for persons served, handling all finances for the program and persons served.

CORE STRENGTHS & SKILLS

• • • Profit Optimization •

Portfolio Management Risk Assessment Microsoft Office

• • • Economic Assessment •

Strategic Relationships Team Building Account Management

• • • Resource Management •

Financial Analysis Market Analysis Trend Forecasting

• Financial Research

SKILLS

Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-

to-Income Ratios Conventional Mortgages Conforming Loans ARMs Loan Closing, Funding & Documentation Account

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