Real Estate Sales
Resume:
Paul Howard
Ponte Vedra Beach, FL 32082
************@*****.***
Objective To continue my career progression within the financial services
industry where I will continue to add value and quality
performance to the organization and increase my knowledge base
and expertise within the field.
Experience
June 2012- Homeward Residential Inc Jacksonville, FL
Present Underwriter II - Special Servicing Unit
Direct daily contact with real estate brokers, agents and mortgagors
via incoming and outgoing calls to solicit and/or initiate short sale
deals and loan modification workout options
Closing short sale deals through HAFA government and non-
HAFA standard programs, mortgage insurance claims, and deed in
lieu’s
Closing loan modifications through HAMP government and non-
HAMP traditional programs, mortgage insurance (M.I.) claims,
and deed in lieu’s (DIL)
Partnering with mortgage insurance companies to secure approvals
on all internal workout options available
Mentoring and training new consultants within the Special
Servicing Unit of Homeward Residential
Present and implement strategy to management to increase
production through portfolio analysis
Extensive daily communication with investors, mortgage insurance
companies and surveillance entities to ensure the resolution of
deals being serviced on the investors behalf
Create unique solicitation strategies to increase borrower
penetration as-well-as track and report results
Work with internal and external business units to implement
Special Servicing Unit policies and best practices.
Extensive MSP/Alltel and LPS experience and exposure
January 2009- American Home Mortgage Servicing Inc Jacksonville, FL
May 2012 Negotiator IV- Special Servicing Unit
Direct daily contact with real estate brokers, agents and mortgagors
via incoming and outgoing calls to solicit and/or initiate short sale
deals and loan modification workout options
Closing short sale deals through HAFA government and non-
HAFA standard programs, mortgage insurance claims, and deed in
lieu’s
Closing loan modifications through HAMP government and non-
HAMP standard programs, mortgage insurance claims, and deed in
lieu’s
Mentoring and training new consultants within the Special
Servicing Unit of AHMSI
Present and implement strategy to management to increase
production through portfolio analysis
Extensive daily communication with investors, mortgage insurance
companies and surveillance entities to ensure the resolution of
deals being serviced on the investors behalf
Create unique solicitation strategies to increase borrower
penetration as-well-as track and report results
Work with internal and external business units to implement
Special Servicing Unit policies and best practices.
Extensive MSP/Alltel and LPS experience
January 2006- Option One Mortgage Corp Jacksonville, FL
December 2008 Senior Loan Consultant II - Retention/Liquidation Unit
Direct daily contact with real estate brokers and agents via
incoming and outgoing calls to solicit and/or initiate short sale
deals
Interviewing the skills of potential candidates for the Company
Sign off authority of short sale deals, modifications, mortgage
insurance claims, and deed in lieu
Involved in the implementation of programs within the Citrix
application for the purpose of streamlining the appraisal process
Mentoring and training new and seasoned consultants within the
Asset Management department
Monitoring performance via the Verint system and various
workout tracking reports
Addressing questions, concerns and/or complaints within
Department
Conducting research and providing reporting for management on
assigned projects
Identifying trends, problems and issues in assigned area while
keeping management informed
Providing system access and necessary materials for new
associates to allow them to properly function in their position
Liaison between the Home Retention Team and First American for
modification invoice processing and payment
Partnership with Fannie Mae to secure approvals on workouts
January 2004- Option One Mortgage Corp Jacksonville, FL
December 2005 Loss Mitigation Negotiator III
Direct contact with real estate brokers and agents via incoming and
outgoing calls to solicit and/or initiate short sale deals
Securing short sale deals, loan modifications, mi claims, and deed
in lieu’s
Vast knowledge and understanding of appraisals
Responsible for pursuing default resolutions on loans that are in
foreclosure status
Creation and tracking of standard repayment agreements
July 2003- Nova star Mortgage Corporation (Direct Lender) Irvine, CA
December 2003 Loan Officer I- Originations/Sales
Proficient with Calyx Point originating software
A to Subprime paper experience
Able to handle a large flow of daily incoming calls
Ability to maintain a pipeline in a well organized manner
Efficient follow up on solid leads
Originating and closing loans
Works well with others: processors, appraisers, account executives,
and investors
Knowledge of the loan process: originations to closing of the loan
Title/Escrow experience
January 2003- The Infinity Group (Mortgage Brokerage) Irvine, CA
June 2003 Loan Officer I- Originations/Sales
Proficient with Calyx Point originating software
A to Subprime paper experience
Able to handle a large flow of daily incoming calls
Ability to maintain a pipeline in a well organized manner
Efficient follow up on solid leads
Originating and closing loans
Works well with others: processors, appraisers, account executives,
investors
Knowledge of the loan process: originations to closing of the loan
Title/Escrow experience
January 2000- Option One Mortgage Corp Irvine, CA
December 2002 Loss Mitigation Negotiator III
Direct contact with real estate brokers and agents via incoming and
outgoing calls to solicit and/or initiate short sale deals
Securing short sale deals, loan modifications, mi claims, and deed
in lieu’s
Vast knowledge and understanding of appraisals
Responsible for pursuing default resolutions on loans that are in
foreclosure status
Creation and tracking of standard repayment agreements
Education
1992-1995 Fresno State University Fresno, CA
Bachelor of Arts Degree, History
1990-1992 College of the Desert Palm Desert, CA
Associate of Arts, Social Sciences
1987-1990 Palm Desert High School Palm Desert, CA
License State of California Department of Real Estate, currently inactive
Professional Course(s) Real Estate Mortgage Lending and Practices
Real Estate Appraisal
Real Estate Principles and Sales
Real Estate Investments
Real Estate Ethics
Real Estate Fair Housing
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