Stella Letheney

602-***-****

acqztc@r.postjobfree.com

Bi-Lingual – English/ Spanish

** ***** **** ********** ** Outside Sales, Marketing, Loan Officer, Finance, Savings & Loans, Financial Institutions, Financial Planners, Hospitals, Contractors, Real Estate Agents, Automobile Dealerships, RV Dealerships and Mortgage Brokers/Bankers.

Particular strengths in Sales Presentations/closings effecting optimum production. Excellent inter-personal skills and customer service oriented.

MAJOR CAREER ACCOMPLISHMENTS:

Vast knowledge in compliance, Sales Presentations

Secured $5,000,000 contract in logistics

Developed $1,500.000 automobile loans per month

Developed $1,500,000 mortgage loans per month (FHA, VA, manufactured homes, conventional and land loans as well as commercial loans

JP Morgan Chase: Fraud Specialist 1, 3/15 to 6/15

Take ownership of each customer while empathizing and prioritize customer needs/resolve conflicts and manage customer expectations. Determine customer needs to provide appropriate solutions through relationship building. Document customer account activities, problem solving, research as needed and good judgment to ensure the appropriate customer outcome. Making appropriate decisions on behalf of the customer quickly and effectively. Reporting any fraud activities on behalf of customer for further evaluation. Closing of debit card and reissuing a new debit card. Also main Travel Suspension accounts to ensure usage in certain countries. Advise customers of certain countries that they are not able to use debit cards due to high fraudulent activities.

Neutron Industries: Call Center, Account Manager, 6/14 to 11/14

Made outbound calls to small and large businesses selling industrial cleaning supplies. Explained product line, as well as selling specials that were on special.

TreeRings, LLC: Call Center, Financial Advisor, 10/13 to 2/14

Educating Baby Boomers/Senior Citizens in Assisted Living, Independent Living, Memory Care, Nursing Homes, Respite Care and In Home Care. Learning medical terms for each medical issue and probing consumers so that we could refer to appropriate community for their medical requirements/services. Qualifying consumers financially for appropriate community. Making sure they received information they requested. Scheduling tours with communities. Following up with consumers on their tours. Follow up with consumers on their move ins with communities.

Randstad Staffing: Discover Student Loans, Contract Position, 5/13 to 6/13

Counsel students on financing for their education. Counsel and educate students/cosigners on loan program benefits. Sell features/benefits of the Discover products. Compare and contrast with other lenders. Complete credit application for student/cosigner. Facilitate the various components of the application decision process. Application review for completion. Identity verification, fraud prevention, school verification, school certification verification. Grad rewards certification verification. Application acceptance or denial verification. Loan acceptance or denial.

Randstad Staffing: LRC, Contract Position, 1/13 to 4/13

Certifications 2013: Fair Credit Reporting Act, Fraud Compliance, Fair Lending, Equal Opportunity Act, FACT ACT, Consumer Financial Protection (CFPB), Fair Debt Collection Practice Act

Conduct quality assurance audits of home loan application for Short Sales to ensure guidelines were met with regulatory compliance parameter. Perform an average of 30 documentation audits. Ensure accuracy of credit quality and audited verification of dates for closing and loan funding. Identify credit underwriting practices or processes adversely effecting loan. Prioritize task and balance sense of urgency with attention to detail in order t meet all personal production goals.

Money Management International: MHA Specialist and HPF Counselor, 11/08 to 7/11

Certifications: Fair Credit Reporting Act, Certified Consumer Credit Counselor & HPF Counseling

Established relations with clients and handled escalated calls to derive individually tailored solutions to their housing related needs as well as address concerns in the correlation to the Making Home Affordable (MHA) program. Negotiations with lenders to achieve result and developing solutions and alternative to solve problems, i.e. Short Sale, Deed in Lieu, MHA Loan Modifications and Repayment Plan. Knowing the MHA Program its supplemental directives, qualifying criteria and forms and process. Educated the borrow on the underwriting process and how banks qualified borrower for the loan modification program. Recommended and participated in the development of complex analysis designs using statistical and or financial analysis, processed documentation. Explained the foreclosure proceedings and processes so that the borrower would have an understanding fo the program as well as other alternatives. Require compliance with mortgage regulatory requirements/Fannie Mae compliance policies related to those requirements including acceptable background check investigation results.

Unemployed: Caregiver, 1/08 to 11/08: sister was sick with colon cancer, took time off to help take care of her. She passed away in November 2008

Kamble Transportation: Inside Sales, 7/07 to 11/07, Company closed

Call on prospective food brokers to utilize our transportation services to move their produce or commodities nationwide. Quoted rates, date and time according to their needs of transportation. Turned information to the Account Manager who assigned trucks to provide needed service, Met goals every month.

All Fund Mortgage: Branch Manager, 11/05 to 5/07. Company filed BK and closed

Managed branch operations, marketing, compliance reports, budget, review credit reports, appraisals and title reports. Review loan programs to best fit borrower criteria. Process loan documentation for loan officers, checked all documentation and conditions making sure all were met according to guidelines before submitting to lender and was in compliance. Made sure all underwriting criteria was met to qualify customer for mortgage loans. Followed up through closing and funding of loans. Attended seminars to further education regarding mortgage guidelines and procedures.

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