Cecil T. Rellford, Jr

**** ********** ***** *.

Jacksonville, Florida 32244

Phone 904-***-****

ab3wdc@r.postjobfree.com

Qualifications

Residential Mortgage experience

Foreclosure experience

Excellent customer service skills

Ability to handle multiple projects and meeting deadlines

Ability to work effectively under pressure

Strong negotiation and interpersonal skills

Fast learner and good listener

Detail oriented/organized style

Excellent written and verbal communication skills

Working knowledge of Microsoft Word, Excel and PowerPoint

Education

B.A., Florida Atlantic University

A.A., Colby Community College

US Navy Honorable Discharge - Operations Specialist

Experience

7/2012-8/2013 Sales Reporting/Financial Support Associate

Jacksonville, FL

Lending Processing Services

Responsibilities included, managing accounts for foreclosure sale,

prepare and complete datagram analysis with detail and accuracy,

meeting FNMA/FHLMC timelines on each foreclosure file while closely

monitoring attorneys and the overall quality performed on all daily

job tasks. Communicate with attorneys on daily basis to facilitate the

completion of scheduled foreclosure milestones. Work with firms to

resolve issues where additional information or documentation is

needed. Meet department standards set forth on maintaining percentage

of past due activities, daily productivity, managing current and

accurate hold codes, using hold codes appropriately and clearing all

intercom and alert messages daily, updating status changes in Desktop.

Order and Track BPO's. Maintain FNMA/FHLMC metrics and protocols on

all the foreclosure sales. Complete legal follow ups and review

bidding instructions; verify foreclosure sales are complete and

process repossessions as necessary. Prepare Complete FC Daily reports

for management to insure system balancing, exception resolution and

adherence to FNMA/FHLMC guidelines.

11/2011-5/2012 Modification Counselor Jacksonville,

FL

American Home Mortgage Servicing/Contracted Employee with Staffmark

Jacksonville FL

Responsibilities included, included evaluate the borrowers

current profile, with regard to researching loan type, borrower income

and asset information, hardship request and property value calculation

information. Work directly with borrowers and approved third parties

to negotiate loan financing strategies with internal support groups.

Setup loan agreements or delinquency arrangements to reschedule debt,

and negociate payoff schedules for imminent default or delinquent

borrowers. Ensure the title is clear for modification, verify arrears,

formulate terms of repayment and prepare workout files for

modifications. Research and analyze if file is in Foreclosure or

Bankruptcy process and communicate all process or procedure to

borrowers. Review and audit files to make sure they are compliant and

meet company standards and insure files meet investor servicing

guidelines and government regulations. Negotiate with borrower,

investors, real estate agents and attorneys on Loss Mitigation options

for the best financial solution for the company. Work with borrowers

in Bankruptcy and Foreclosure process and places files on hold in

MSP/Desktop System. Also, work closely with attorneys and departmental

liasion in scheduling foreclosure hearing or cancelling hearing in

Desktop system. Update and accurately input date for bankruptcy and

foreclosure attorney on status of file or any additional information

needed and time to resolution to resolve inquires and problems related

to negotiating loan agreement, delinquency arrangements or pending

Bankruptcy or Foreclosure.

5/2011-9/2011 Loan Processor

The Scholarship Network/Contracted employee from Apple One

Jacksonville, FL

Responsibilities included, enter applications, process

applications, calculate qualifying income and change disposition.

Answer incoming calls and provide parents with information regarding

their applications. Enter call information into call/case management

system per established guidelines. Maintain record of work completed,

utilizing internal software tools.

11/2009-4/2011 Residential Loan Processor Jacksonville,

FL

Chase

Responsibilities included processing residential mortgage loans,

collection and review of all income and asset information, ordering

appraisal and title. Review and clear all conditions to close loan and

schedule loan closings. Work closely with title company's, real-estate

agent and loan officers.

Modification Counselor Jacksonville,

FL

Chase

Responsibilities included evaluate the borrower's current profile,

with regard to researching loan type, borrower income and asset info,

hardship request and property calculation information. Work directly

with borrowers and approved third parties to negotiate loan financing

strategies with the internal support groups. Setup loan agreements or

delinquency arrangements to reschedule debt, and negotiate payoff

schedules for imminent default or delinquent borrowers. Ensure the

title is clear for modifications, verify arrears, formulate terms of

repayment, and prepare workout files for modifications. Underwrite

loans to determine approval or denial qualifications. Negotiate with

borrower, investors, real estate agents and attorneys on loss

mitigation options for the best financial solution for the

company. Research and resolve inquiries and problems related to

negotiating loan agreements, delinquency arrangements or pending

foreclosure.

9/2008-9/2009 Residential Mortgage Loan Officer

Jacksonville, FL

Network Funding

Responsibilities included origination and processing residential

loans with particular emphasis on Conventional, FHA, Home Equity Lines

of Credit and VA Loans. In addition, work closely with underwriting,

collection of loan documents, customer service, sales, and funding of

loans. And experience in Calyx Point System.

3/2008-8/2008 Residential Mortgage Loan Officer

Jacksonville, FL

Foundation Financial Group

Responsibilities included origination and processing residential

loans with particular emphasis on Conventional, FHA, Home Equity Lines

of Credit and VA Loans. In addition, work closely with underwriting,

collection of loan documents, customer service, sales, and funding of

loans. And experience in Calyx Point System.

3/2004-2/2008 Owner/Residential Mortgage Broker Business

Jacksonville, FL

First Coast C&C Asset Resource and Mortgage, LLCResponsibilities included active in all aspects of company business.

Review all financial and operational activities. Oversee sales

productivity and ensure Sales and Marketing Programs are effectively

executed. Manage, Inbound Live Leads that are provided via marketing

strategy. Additional duties include, originate loans through

consulting with prospective builders, realtors and homebuyers to

identify the best loan programs to meet their needs. Also, work

closely with underwriting, collection of loan documents, customer

service, sales, and funding of loans. With particular emphasis on

Conventional, Non-Conventional, VA, and Home Equity Lines of Credit

and experienced in LP/DU

1/2003-2/2004 Residential Mortgage Loan Officer

Jacksonville, FL

Florida Mortgage Funding

Responsibilities included Loan Origination and processing

residential loans with particular emphasis on conventional, Non-

Conventional and Home Equity Lines of Credit. In additional, working

closely with underwriting, collection of loan documents, customer

service, sales and funding of loans.

10/2002-12/2003 Construction/Perm Loan Processor

Jacksonville, FL

Wachovia Bank

Responsibilities included processing Residential Construction Loans.

In addition, work closely with Builders to approve draws for

construction phases. In addition, collection of loan documents,

customer service and oversee funding of loans.

1/2001-9/2002 Residential Mortgage Loan Officer

Jacksonville, FL

Countrywide Home Loans

Responsibilities included Loan Origination and processing

residential loans with particular emphasis on Conventional, Non-

Conventional and Home Equity Lines of Credit. In addition, worked

closely with underwriting, collection of loan documents, customer

service, sales and funding of loans.

1/1999-12/2000 Residential Mortgage Loan Officer

Jupiter, FL

Home Source Capital Mortgage Company

Responsibilities included Loan Origination and processing

residential loans with particular emphasis on Conventional, Non-

Conventional and Home Equity Lines of Credit, FHA and VA. In addition,

worked closely with underwriting, collection of loan documents,

customer service, sales and funding of loans.

2/1996-12/1998 Tax Lien Administrator West Palm

Beach, FL

First Union National Bank

Responsibilities included, collection of paid delinquent taxes,

manage daily and monthly deposit of 1 million plus. Worked closely

with bankruptcy attorneys processing bankruptcy and foreclosure

documents.

5/1992-6/1995 Operations Specialist Alameda, CA,

US Navy

Responsibilities included, ensuring success in battle and peacetime

activities. Primarily responsible for operating surveilieance and

search radar, electron recognition and identification equipment as

well as for controlled approach devices and navigation aids.

Additional duties included: Serving as plotter and status board

keeper, coordinating aircraft operations. Medals for service included:

Southwest Asia, Service Medial with Bronze Star, National Defense

Service Medal, Sea Service Deployment Ribbon and Armed Forces

Expeditionary Medal.

References: Excellent references furnished upon Request

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