Sonja McCarter

**** ******* **** ***,

Snellville, GA 30078

Contact: 404-***-****

Email: puzu0g@r.postjobfree.com

Career Snapshot

Fifteen years of combined Real

Estate Sales, property

Management, Mortgage

Underwriting, Auditing,

Collections, Medical Customer

Relations experience.

Certifications

FDCPA (1995)

Licensed Real Estate Agent (2001)

Management Professional (2002)

Certified Notary Public (2006)

Fair Housing Law (2006)

Computer Software

Microsoft Word, Excel, Vista ,Win 7, PowerPoint, Access, Outlook, Spreadsheet, Calyx Point Software, Mantis, Fraud Guard and Reverse Search, Five 9,Oneview,Sparc,Avaya,Citrix, vdesk, isearch webtracer

References

Available Upon Request. Career Objective

To secure a career with a reputable, diverse company that will allow me to utilize my skills and professionalism with the ability to execute a variety of projects focusing on Customer Service and current project needs.

Key Skills

Mortgage Loan Review/ Auditing

Troubleshooting/ Problem Solving

10-Key by Touch / Typing 35 wpm

Real Estate Sales

Technical/User Support

Complaint Handling

Reports & Documentation Review

Collections/skip Tracing

Customer service specialist

Professional Experience

Alpine Access - Cigna Medical Claims specialist , 2009 – Present

Meca Financial (Contractor) – Mortgage Underwriter, 2006 – 2009

New Solutions Realty –Sales agent/Property Manager, 2001 – Present

Conseco Finance – Loan Finance Auditor, Customer service 1999 – 2000

Equifax Risk Management – Senior Collector, 1995 – 1999

Professional Experience Job Duties:

• Diagnose, correct and document system issues.

• Analyze and solve problems regarding billing, service and sales.

• Process unpaid claims; initiate reprocessing on invalid type codes.

• Assist customers and doctors with all full service related needs.

• Manual loan review for initial/final approval.

• Utilized DU/LP network for manual loan underwriting decision.

• Evaluation of DTI/LTV ratios, credit, collateral and income.

• Analyzed and reviewed loan conditions based upon guidelines

• Negotiate final sales price, closing cost and date of possession.

• Perform listing presentation for potential sellers of real property.

• Implement property leasing programs for residential properties

• Screened tenant credit, employment, income.

• Analyzed accounts for recovery of past due home loans,

• Set up payment arrangements, loan adjustment and allocated funds.

• Counseled on loan programs in order to prevent foreclosure.

• Direct communication with Attorneys and State Tax Office.

• Initiated legal action with approval of Area Manager.

• Analyze selling trends for past and current market conditions.

• Processed and verified accurate payment of invoices.

• Skip traced ,reverse search and located delinquent clients

• Managed delinquent accounts for purpose of collect past-due debt.

• Evaluated quality of accounts received and assigned risk factors.

• Assessed credit practices and recommended changes in procedures.

Education:

GAMLS (REAL ESTATE SCHOOL), GA

GEORGIA PERIMETER COLLEGE, GA

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