Kechia White Professional Summary

904-***-**** -High energy professional with an aggressive attitude toward customer satisfaction

-8 years of Mortgage Industry Experience, 10 years of Customer Service and 5 years

311 West Ashley St.

of Collections

Jacksonville,Florida 32202

-Mortgage Underwriting document review, Loan Modifications, Short Sales, Loss

ab67hm@r.postjobfree.com

Mitigation experience

-Working knowledge of single family residential mortgage lending

-Knowledge of Conventional, Freddie Mac, FNMA and FHA

Employment History

Loss Mitigation

11/2012 to 4/2013 EverBank, Jacksonville, Florida

Negotiated various home retention and liquidation options with mortgager,

investor, insurer, client, attorney and agent to avoid foreclosure

Ability to make analytical assessments, intelligently discuss various workout

options and timely follow-up and monitoring of various plans

Reviewed credit reports, bank statements, profit and loss, pay stubs, income

calculations, titles and appraisals and any other documents needed for short sale

Short Sale Negotiator

09/2010 to 11/2012 Bank of America, Jacksonville, Florida

Ensure investor requirements are met on all offers for purchase and keep all

parties informed of progress on disposition

Minimized losses on foreclosures through analysis, management, marketing

and liquidation of real estate owned properties by the bank and investors

Evaluated pre-foreclosure BPO’s and appraisals to assist in bidding and buy-

down analysis

Front Line Mortgage Underwriter

4/2009 to 10/2010 Sparta Special Servicing Jacksonville, Florida

Approve, decline, or suspend residential mortgage loan submissions based on

full credit underwrite

Review, analyze, approve and underwrite conforming consumer requests,

appraisals and products within company and industry guidelines

Perform risk analysis and make decision regarding deficiencies indentifed during

the review process

Loan and Loss Mitigation Collector

7/2008 to 4/2009 Semperian, Jacksonville, Florida

Responsible for collecting on past due accounts to prevent reposession

Maintaining individual delinquency goals set by management

Negotiated with customers a payement plan to bring account current

Education

2013 Watson School of Realty

Pre-Licensing Course

References

References are available on request.

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