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mortgage loan origination, mortgage loan servicing, mortgage coll

Location:
Mansfield, TX
Posted:
October 13, 2015

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Resume:

Fidel Menacho

Dallas, Texas *****

Cell # 214-***-****

Email: acr2k1@r.postjobfree.com

SUMMARY

Bilingual Business Professional with 16 years’ experience in the mortgage industry Analytical and organized; with the ability to identify needs and implement effective solutions. Skilled at matching client and financial solutions to assure good fit. Resourceful problem solver with ability to bring quick resolution to challenging situations as well as build lasting relationships with customers and co-workers.

PROFESSIONAL EXPERIENCE

Dyck O’Neal Company

Collection Specialist

10/2014 to 07/2015

Responsible for individual queue of loans ranging from 400-1,200 accounts to pursue debt collections.

Maintain working knowledge of investor requirements and insure those requirements are met.

Develop proficiency with all metrics of collections utilizing dialer and debt software to ensure maximum efficiency, production, and accuracy of work performed.

Services unsecure mortgage deficiency collection through settlements negotiations or payment plans.

Take financials and determine most suitable loss mitigation options when unable to fully reinstate.

Follow up on agreements and ensure all necessary documents and fund are received to fully execute contract.

Vantium Capital Company

Collection Specialist

08/2013 to 05/2014

Serviced inbound and outbound calls for pass due mortgagors ranging from 60 to 120 days.

Negotiated with past due customers taking into consideration their financial situation, exhausting all efforts to collect through all potential sources of revenue in order to satisfy past due loans to ultimately offer the best solution to resolve the delinquency.

Educated borrowers on assistance available, all requirements, and investor guidelines specific to their loan type and programs.

Managed and maintained data integrity in the debt recovery collection software.

Utilized dialer debt software to ensure maximum efficiency, production, and accuracy of work performed.

JP Morgan Chase Mortgage

Recovery Dept/Outreach Manager/CASA Supervisor Specialist 3

10/2005 to 01/2013

Created stipulated payments arrangements using department guidelines.

Monitored check log multiple times daily and ensure funds are: applied properly in conjunction with agreements, returned when funds are aged and no agreement in place, or contact made with a homeowner that has sent in partial payments.

Contacted attorneys to request outstanding fees and cost, postpone, cancel, adjourn sale dates, or place foreclosure on hold.

Serviced FHA loans and prepare Special Forbearance Agreements that are in line with FHA and HUD approval guidelines.

Ordered credit reports to ensure accuracy of financials and verify any judgments or liens against a property.

CitiFinancial Mortgage

Collector

05/2000 to 03/2004

Lead Initiated, monitored and completion of Special Forbearance Agreements, modifications and partial claims, while servicing a portfolio of 200 plus loans.

Analyzed loan type, reviewed loan requirements and determined most suitable option for account resolution.

Serviced fixed and adjustable rate mortgages, as well as HELOC loans.

Reviewed detailed financials, analyzed escrow accounts, reviewed credit bureau reporting, performed title search, prepared amortization schedules, applied funds receivable on accounts, researched payment and account history.

Produced new contacts and legal documents for customer specific to assistance program.

STranslated legal documents for Spanish speaking homeowners.

Served as a liaison with upper management and training departments to assist in refining efficiency of programs and trained new hires and co-workers on departmental programs and procedures.

EDUCATION

Bryan Institute

Arlington, Texas

Associate Degree in Computer Science

SKILLS

Atlas

Corelogic

Fastrieve

Fidelitiy

Internet Explorer

Legacy

Lotus Notes

Metro

Micro Build

MS Access

MS Excel

MS Word

New Track

Window NT



Contact this candidate