Customer Service Human Resources
Resume:
Camille Seals
Tustin, CA. *****
********@*****.***
A position wherein I can utilize my experiences and expertise within an
organization that recognizes and rewards individual performance and
achievements. My strongest asset is the ability to interact in all levels
of management. Excellent Customer Service.
Qualifications: Microsoft Word, Excel, Outlook, Lotus Notes, Lexis Nexis,
Calyx Point, Desktop Underwriter Originator, Loan Prospector, Datatrac,
Clout/Clues, Dataquick, Typing 55 wpm, Data Entry 8,800 kpm
Experience:
National Credit Communications (Temp Assignment)
Loss Mitigation Specialist Lake Forest, CA
March 2011 / Current
Assisting clients with scheduling appointments for Modification of
current mortgage; .Handled on average, 80-90 incoming calls, Demonstrate
an excellent ability to reverse and resolve the most difficult or
emotional customer situations; Analyzed issues, made decisions and
respond to clients to meet the goals of the organization; Assisted with
educating clients with the process and answer all questions regarding
modifications
Mortgage Outreach Services Irvine, CA
Loss Mitigation Specialist
May 2009 - April 2010
. Performed loss mitigation functions, both resolution and disposition
in accordance with investor guidelines; Reviewed modification packages
for completion on behalf of Citi Mortgage; Represented the
organization's best interests in the presentation of workout
proposals; Determine Modification recommendation within system based
on income/debt analysis; Analyzed customer financial situation to
determine the property Loss Mitigation tool to assist the customer;
Analyzed loan application to determine borrower's credit condition.
Federal Loan Modification Law Center Irvine, CA
Case Manager /Team Lead
January 2007 - May 2009
. Underwrote Client Packages and submitted modified request to Lender
and Negotiated Terms; Analyzed income & asset financial documentation
to determine if client met the financial institution's criteria for
loan modification request; Calculated monthly gross and net income
ratios, housing and total debt ratios and residual income; Compiled
required financial documentation needed to satisfy financial
institution's program guidelines; Assisted in the negotiation &
closing of loan modification: Maintained regular contact within the
financial institution and clients; Effectively postponed Sale Dates;
Responsible for training of new employees and assisting with problem
calls; High level of confidentiality and a strong understanding and
practice of integrity. Experience as Investigator, Auditor, Research
Analyst, QC Underwriter or Due Diligence Auditor; Ability to use logic
and reasoning to render sound business decisions. Ability to use logic
and reasoning to render sound business decisions Bonded
Bank of America Brea, CA
Home Services Specialist II/Loan Processor
February 2007 - December 2007
. Communicated with clients to gather or convey relevant information
pertaining to home loans; Experienced with Conventional "A" Paper;
Effectively analyzed W-2, paystubs, tax returns, Issued Approvals and
Declines; Lending Credit Authority of $450,000; Exercised judgment in
making related sound decisions; Reviewed appraisals, Credit and Title
Reports; Reviewed and analyzed borrower documentation to determined
income and repayment capacity; performed background checks; DU and LP
Experience. Responsible for background investigation on borrowers;
Accurately moved the loan files from processing stage to loan docs;
Requested required verifications; Performed all Processing duties
according to policy and guidelines; Responsible for ordering Title
Reports, clearing title; Resolved title issues (liens and encumbrances
against property); Calculated taxes and insurance; Assisted with
Escrow Department closing. Bonded
Long Beach Airport Long Beach, CA
HR/Admin Assistant
September 2005 - February 2007
. Authenticated new hires, assigned badges/parking permits and created
new hire packages; Maintained incoming calls/ordered supplies for
Human Resources; Worked on confidential projects for upper management;
Managed and organized the shared drive for H.R; Maintained front
reception area.
Aegis Funding Irvine, CA
Jr Underwriter
January 2003 - September 2005
Generated assets in the forms of acceptable loans; Lending Credit
Authority of $500,000; Calculated monthly income, housing and debt
ratios, required reserves, assets needed to close; Ensured credit
approval and loan file documentation were in compliance with company and
investor policies; Submitted loans for AU Approval with Clout/Clues;
Reviewed appraisals to ensure property values were supported; Underwrote
Conventional "A' Paper. Accurately moved the loan file from the
Processing stage to Loan Docs. Re-underwrote files if required by the
Lender Client to identify variances in guidelines.
Ability to use logic and reasoning to render sound business decisions;
Experience as Investigator, Auditor, Researched and analyzed dated to
formulate an Audit synopsis by Lender Clients to achieve their goals;
Special projects of Due Diligence of in-house files; assisted Escrow
Officer, ordered HUD-1, setup appointments for signing; assisted
customers with questions as well as the process; Ordered Title Reports,
cleared liens and encumbrances against property.
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