CHARLES D. GEISSLER

**** **** ***** *****

Fallbrook, CA 92028

Home: 619-***-****

Cellular: 619-***-****

Fax: 619-***-****

E-mail: abg4ap@r.postjobfree.com

OBJECTIVE:

A responsible and challenging position that will utilize my experience and

knowledge in Mortgage Banking, Quality Assurance, Underwriting and

Management for career advancement opportunities.

SUMMARY OF QUALIFICATIONS:

Possess excellent customer service ability. Competent ability in

identifying customer needs excellent problem solver. Experienced Manager;

with effective training techniques and motivational leadership quality.

Knowledgeable with various servicing situations; including foreclosures,

collections and underwriting. Experienced with short sales, deed in

lieu's, modifications, unsecured notes, note sales, data entry, filing,

answering multi-phone lines and all other general office administration

duties. Knowledgeable, with DRI, Lenstar, Interlink, Fidelity and L-Sams.

Advanced knowledge of Excel and Word, effective networking skills with

mortgage brokers, attorneys and realtors. Able to interface well with

personalities at all levels and with diverse backgrounds. Competent and

thorough ability to train co-workers. Work extremely well under pressure,

able to meet deadlines efficiently. Committed to producing results above

and beyond what is expected. Work well in a fast paced environment.

Skilled in prioritizing assignments; capable of learning new tasks quickly.

Organized and confident, reliable hard worker with initiative and

dedication. Present a positive and professional attitude and appearance.

PROFESSIONAL EMPLOYMENT HISTORY:

03/11 to Current: American Family Assistance, Temecula, CA

Manager of Underwriting

Reviewing, analyzing, approving and underwriting large, unusual

and complex individual requests and products within HAMP and

industry guidelines. Applying specialized knowledge to the

interpretation of loan Underwriting criteria and the

determination of Underwriting decisions and final courses-of-

action. Providing input on new and existing Underwriting

processes, data analysis, procedures and approaches. Run NPV &

IDI tests on all files to determine eligibility. Create excel

sheets to calculate front and back end debt to income ratios,

loss exposure and individual tracking. Create spreadsheet

reports to constantly develop a more efficient and effective

process while encouraging teamwork within the department.

Manage the business with Q/A standards reducing risk and errors.

Develop and prepare reports to upper management regarding the

status of foreclosures and quality assurance. Analyze reports

to identify and monitor trends. Direct and manage all

activities of the department to ensure procedures are properly

and efficiently carried out. Develop profit and loss

calculation sheet and monitor monthly expenses to ensure

adherence to budget.

06/09 to Current: Foreclosure Network Solutions, LLC, Fallbrook, CA

Owner (None Profit)

Helping homeowners out of foreclosure by being a liaison with

their lender and working on the best solution

on helping customers save their home and helping the bank to

improve their mortgage portfolio by turning troubled loans into

performing loans. Advise homeowners of Modifications such as

the Home Affordable Modification Program (HAMP) and Classic

Modifications. Advise homeowners of the best solution by a

modification, short sale or a deed in lieu.

11/07 to 5/09 ACCREDITED HOME LENDERS, INC, San Diego, CA

Loss Mitigation Specialist II

Responsible for handling of foreclosures including short pay

offs, deed in lieu's, modifications, payment plans and

reinstatements. Position requires interfacing with realtors,

brokers, customers and attorneys as well as knowledge of reading

credit reports, appraisals, Notes, Deed of Trusts and HUD 1's.

Knowledge of preparing reinstatement quotes. Experienced with

the gain and loss scenarios; and foreclosure laws. Respond to

company and individual audits and provided feedback to senior

management. Review property valuation and appraisal reports.

Reviewed files for completeness and accuracy to determine best

course of action.

6/07 to 11/07 EMC Mortgage Corp, Irvine, CA

LOAN RESOLUTION SPECIALIST II

Responsible for 60 - 90 day plus delinquent first/second

mortgages, reviewing past due accounts and setting up payment

plans, modifications and deferments with delinquent borrowers to

prevent foreclosure. Review documents, income calculations and

decision accuracy. Provide analytical, administrative support

by running daily reports on the department; for tracking team

and individual numbers. Assist with training new hires &

facilitated groups on the short sale process.

5/06 to 5/07 Total Systems Group, Corp, San Bernardino, CA

MARKETING MANAGER

In charge of marketing and advertisements, set up meetings with

media cable companies and internet advertising, trained and

supervised sales associates and ensured customer satisfaction.

Organized motivational team meetings. Went to various venders

to discuss new products, went to trade shows to get detailed

information on new products (proximity readers, biometric

systems, redness scanners, high level security systems, voice

recognition systems). Responsible for identifying appropriate

cost effective vendors, negotiating contracts, and managing

service level agreements and vendor relations. Responsible for

interviewing new hires, performance evaluations, and training

and development of staff.

7/05 to 4/06 TWO JINN, INC. dba ALADDIN BAIL BONDS, Carlsbad, CA

SENIOR LOSS MITIGATION SPECIALIST

Responsible for identifying and preparing small claim cases,

researching claim information on viable lawsuits, pulling credit

reports, verifying if defendant's or indemnitors had any

previous or outstanding civil judgments, child support or tax

liens, ran IRB search and property profile search to ascertain

if defendant or indemnitor owned real estate, skip tracing,

verifying employment to serve Earning Withholding Orders and

negotiating settlements.

11/97 to 4/04 CHASE MANHATTAN MORTGAGE (Formerly Advanta Mortgage), San

Diego, CA

LOSS MITIGATION SPECIALIST II - (08-00 to 09/04)

Responsible for handling of foreclosures including approving

short pay offs, deed in lieu's, note sales, modifications,

payment plans and unsecured notes. Position requires

interfacing with realtors, brokers, customers and attorneys as

well as knowledge of reading credit reports, appraisals, Notes,

Deed of Trusts and HUD 1's. Knowledge of preparing

reinstatement quotes. Experienced with the gain and loss

scenarios; and foreclosure laws.

COLLECTIONS COUNSELOR - (04/97 to 8/00)

Responsible for collection on 0-89 day delinquent first/second

mortgages, contacting customers for repayment on 60 day plus

accounts, documenting information onto loan servicing system

(LSAMS), handling various servicing situations, negotiating

payment plans, and handling high volume inbound/outbound phone

calls.

EDUCATION: AMERICAN SCHOOL OF BANKING

2003 CONVENTIONAL UNDERWRITING CERTIFICATE

2003 FHA UNDERWRITING CERTIFICATE

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