Cetshwayo Adam Ntini

Mckinney, TX ***** Tel: 214-***-****,

acfnz6@r.postjobfree.com

Career Summary

Over 20 years of diversified experience in mortgage banking, accounting and

financial services with emphasis on commercial and retail mortgage

underwriting, loan quality assurance, Audit Risk analysis and compliance to

Federal, State and company regulations. Extensive knowledge of developing,

evaluating, testing and reporting on the adequacy and effectiveness of

control environment standards while maintaining key relationships with

stakeholders, establishing a culture of engagement while adding value by

recommending best practice solutions to issues.

Professional Experience

JP Morgan Chase

4/03-Present

Assistant Vice President -Credit Officer (10/12 to present)

. Responsible for short sale loss approval process, mitigating losses

and underlying risks.

. Manage departmental adherence to company policy and procedural

standards.

. Ensure compliance with Investor default management guidelines and

federal regulations.

. Solid knowledge of mortgage docs for short sales and modifications.

. Manage $85 million dollar monthly portfolio.

. Loss approval authority up to $350k.

. Ensured customer Satisfaction and regulatory compliance met attained

95% and above.

. Saved the company on average $500K per month by avoiding DOJ audit

fails.

. Maintained quality assurance and audit reviews that were consistently

95% or higher.

LM Short Sale Supervisor (10/11 to 9/12)

. Ensured 12 Hafa Negotiator and Closer team members had the tools and

resources to perform their job function to meet its SLA, Production

and Quality targets.

. Analyzed financial statements, tax returns, credit reports, Broker

Price Opinions, home appraisals, title searches, and other documents

to evaluate a pre-foreclosure remedy

. Accountable for implementing directives and training on Conference

Calls twice a week with management and peers.

. Approval loss up to $100K.

. Maintained quality assurance and audit reviews that were consistently

95% or higher

. During 2012, successfully averaged 500 Short sale submissions per

month with an error free rate of 95% (benchmark was 90%).

. Ranked top manager in the department for 6 months in a row in 2012.

LM Short Sale Job Coach (11/10 to 9/11)

. Trained, coached and informed negotiators, underwriters and list

assist agents on procedures, policies and negotiating skills to

maximize production.

. Improved production efficiencies by 25%

Loss Mitigation Short Sale Negotiator (11/08 to 10/31/10)

. Analyzed and compared short payoff and deed-in-lieu scenarios.

Negotiated sales price and contract terms on offers to mitigate losses

and ratify contracts on behalf of the corporation based on attainment

of appropriate internal guidelines.

. Corresponded with customers, brokers, title companies, and attorneys

in order to facilitate the short sale transaction.

. Issued counter offers applicable to minimize loss to JPMC. Calculating

the HUD 1 and review for any non-allowable charges to the seller.

. Loss approval authority up to $50K.

. Managed a queue of 60-70 accounts per month and review to postpone

foreclosure sales as needed

. Recommend best resolution to management and customers. Adhere to all

local, state, and federal laws

. Named Top Performer in my team for 12 consecutive months.

. Achieved and maintained acceptable customer satisfaction levels of at

least 90% or greater.

Loss Mitigation Specialist (11/06 to 10/08)

. Evaluated, prequalified and gathered required paperwork, and developed

files for retention workout plans.

. Educated and informed the customer about reinstatement, repayment,

Deed-in-lieu, short sale and modification programs.

. Worked with vendors and attorneys to place loans on hold and/or

request fees and cost associated with foreclosure proceedings

. Achieved Top Performer for 8 out 12 months.

Senior Escalated High Risk Analyst (9/05 to 10/06)

. Coordinated the activities of the Chase Field Officers in the noted

"Hot Zones".

. Maintained appropriate records for analysis of the known "Hot zones".

. Mitigated potential Bank's losses. Handled all High balance files that

defaulted within 3 months after origination.

. Oversee the daily properties at risk report.

. Solicit and engage a network of qualified real estate agents to

market, sell, and manage repairs and property preservation activities

. Reduced forced property demolitions in Detroit and Chicago from 4 a

month to zero.

Senior Hazard Claims Analyst (5/04-8/05)

Customer Care Professional (4/03-4/04)

Prior Experience:

Xerox International - Harare

Senior Accounting Assistant

. Supervised six junior clerks. Prepared general ledger entries;

obtained and evaluated supporting documentation and related reporting

for validation of the balances. Responsible for daily cash and bank

account reconciliation and management, payroll funding; and mutual

funds related expenses.

Computer Skills: Proficient with Microsoft Office (Word, Excel, PowerPoint,

Access, Project)

Education:

DeVry University, Irving, TX

Bachelor of Business Administration-Finance Anticipated Graduation-

December 2014.

Lake Michigan College, Benton Harbor, MI - 9/99 to 5/01

Associate-Business Administration

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