Gerald L. Laird

***** ***** # *

Inglewood, CA **060

Home: 310-***-****

Email: acgikw@r.postjobfree.com

Objective

Seeking the opportunity for a challenging, responsible and growth oriented

position. Including: Problem solving, information processing, interfacing

with Credit department, and working with new clients to implement modern

technologies

PROFESSIONAL EXPERIENCE

August 2012 - Present, Kowill Mortgage Inc, San Fernando, CA

Loan Processor/ Telemarketer

- Report directly to broker / president in managing day to

day administrative duties. Coordinating closing schedule,

loan package quality and processing of account receivable.

- Review all mortgage loan applications to ensure errors free

loan package before submitting to the Desktop Underwriting

and the lender.

- Follow company quality control plan, red flag policy to

eliminate loan fraud.

- Provide high level customer service and support, explain

the process and loan status to reduce customer anxiety.

Chase Bank

Chatsworth, CA

Ownership Collector III

11/2008 to 7/2013

Responsible for detailed activities associated with Short Sales collections

and processing. Interact with customers to accurately and timely resolve

customer issues regarding all aspects if delinquent government and

conventional mortgage loans including: complex inquires, account updates,

customer complaints, document generation, research request generation,

follow-up and escalation of issues as necessary. Generate outbound calls

with delinquent borrowers who are considered high risk or with associated

third parties. Provide information on status, transaction, or account

activity: research disputed items and other inquires: resolve delinquencies

and negotiate an equitable payment arrangement: evaluate and select

appropriate workout remedies for conforming loans and refer non-conforming

loans to Loss Mitigation, Resolve calls at the first point of contact when

responding to incoming phone calls regarding customer service aspect of

mortgage loans. Respond calls at the first point of contact when responding

to incoming phone calls regarding customer service aspects of mortgage

loan. Respond to customer inquiries where loans are in Chapter 7 Bankruptcy

or foreclosure. Respond to escalated issues when necessary meeting specific

quality and volume requirements for specified activities. Conduct research

in non-performing loans to provide accurate and timely recommendations for

foreclosure actions. Conduct internal audits to validate the correct

servicing for loans and escalate identified errors as required.

Washington Mutual Bank

Chatsworth, CA

Default Collection Specialist Senior

02/2007 to 11/2008

Responsible for detailed activities associated with collections and

processing. Interact with customers to accurately and timely resolve

customer issues regarding all aspects if delinquent government and

conventional mortgage loans including: complex inquires, account updates,

customer complaints, document generation, research request generation,

follow-up and escalation of issues as necessary. Meeting specific quality

and volume requirements for specified activities. Conduct research in non-

performing loans to provide accurate and timely recommendations for

foreclosure actions. Conduct internal audits to validate the correct

servicing for loans and escalate identified errors as required.

Option One Mortgage

Irvine, CA

Collections Customer Service 09/2004 to 10/2006

Collect on 30-90 day delinquents accounts in a call center environment.

Skip track on accounts where no contact is available. Establish valid

payment arrangements and repayment plans with delinquent borrowers. Analyze

accounts to develop and provide solutions to minimize company losses.

Advise borrowers of their responsibility under the loan contract and

counsel them regarding the budgeting of payments. Process payments, collect

past due balances, solicit late charge fees, portfolio retention and

educate borrowers on Option One payment options and the importance of

credit worthiness. Provide service to a high volume of inbound and outbound

telephone calls daily, regarding billing inquires, escrow, and payoff

related questions, addressing other issues and performing research. Respond

to all customer correspondence, requests and inquiries; efficiently while

maintain accurate records and documentations. Perform other duties and

special projects as needed.

Washington Mutual Bank

Chatsworth, CA

Senior Default Specialist 05/2002 to 08/2004

Contact borrowers with delinquent mortgage loans to resolve delinquencies

accounts. Analyze potential for loss mitigation referral, initiation of

foreclosure action. Complete documentation of collection effort, payments

plans and financial statement. Research issues related to title conflicts

and disputed claims.

J.W. Robinson/May Company

North Hollywood, CA

Credit Counselor 10/1989 to 05/2002

Responsible for portfolio of 325 accounts, provide loan counseling, and

heavy skip tracing. Initiated credit risk evaluations with credit bureaus

to identify credit worthy customers. Collected on past due accounts by

calling clients/accounts payable department directly. Complied calculated,

sorted, and field documents for transactions.

TECHNICAL SKILLS

Microsoft word, excel, 10-key by touch, trusting accounting, automated data

processing (ADP), personal trust accounting (PTA), filing microfilms,

typing (40 wph), adding machine and (IBM) personal computer, CRT,

telephone collections, skip tracking, and customer service.

Contact this candidate