Customer Service Medical Assistant
Resume:
Terresal N Hammett
Jacksonville, Florida 32219
Objective: To obtain a challenging position within an organization that will allow me to utilize my
customer service and decision making skills while offering opportunity for career growth and
development
Skills: Appointment Scheduling, Oral/Written Communication, Telephone skills, and Internet, Window,
Word/Excel, 10 key, 45 wpm, reviewing and analyzing financials, CBR, paycheck, P&L, tax returns, bank
statement, BPO’s Appraisals, Reading titles, 1003
Experience:
04/12-Present Digital Risk
Forensic-Underwriter
Review credit, income and asset documentation for accuracy and risk assessment on loans assigned to
the company by clients per client and investor guidelines. Meet established production and quality goals.
Analyze and calculate income documentation to determine eligibility, including but not limited to federal
tax returns, form 4506T, paycheck advice statements, and W2 statements. Analyze credit bureau report
to determine debt to income ratios. Conduct forensic file reviews by having an ability to Re underwrite
files using the 1008 and determine rather or not file met Fannie, Freddie and investor guidelines. Enter
accurate figures into system of record, including but not limited to client’s proprietary systems. Research
guidelines and ensure client guidelines are adhered to. Interact with team to ensure collaboration for
consistency. Conduct and finalize files with a formal write up that pertain to findings.
09/08-4/12 Washington Mutual/JP Morgan Chase
HL-Underwriter Jr.
Applied standard company, investor, and insurer financial solutions associated with troubled 1-4 family
residential (SFR) real estate loans to minimize credit loss to the company, its investors and insurers
through use of alternatives to foreclosure. Reviewed financial and property data including appraisals,
market analysis, and title work to determine qualified workout options available and negotiating terms
with customers or third parties. Met specific quality and volume requirements for specified activities and
reviewed and analyzed customer financial documentation and proposed modification solutions to assist
customers in retaining homeownership.
09/06-9/08 Washington Mutual
Loss Mitigator Spec-SP, Loss Mit-
Make outbound calls to delinquent borrowers who are considered high-risk or with associated third
parties. Provided information on status, or account activity; researched disputed items and resolved
delinquencies and negotiated an equitable payment arrangement; evaluated and selected appropriate
workout remedies for conforming loans and refer non-conforming loans to Loss Mitigation, ordered BPO
negotiate short sales from beginning to end, also maintained a pipeline no less than 35 loans a month
and funding reinstatement.
Customer Service Representative
0/05-09/06 Washington Mutual
Worked in a call center answering banking inquiries on accounts, opened deposit accounts, activated
debit cards, while providing a high level of customer service to internal and external customers, while
handling between 150 to 200 calls per day.
Education: Concorde Career Institute
Medical Assistant Diploma
First Coast Academy
High School Diploma
References: Available upon request
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