Customer Service Sales

|Cheryl Cannady |

|**** Kersey Court Jacksonville, FL 32216 |

|843-***-**** |

|**********@*****.*** |

|Objective|Working independently and with a team to achieve company goals|

| |to manage workflow and production that would put to use my |

| |considerable knowledge and experience in the customer service |

| |and (FHA/VA/Conventional) mortgage industry. |

|Experienc| |

|e |VA Loan Processor- Home Servicing Specialist II |

| |July 2012 - October 2012 - Bank of America |

| |Processed VA Refinance loans before submitting them to |

| |underwriting |

| |Utilizing VA website and FEMA web tools to verify eligibility |

| |Ensure applicant information is correct and potential borrower|

| |meets product qualifications |

| | |

| |FHA Short Sale Specialist - Phase II SME |

| |October - 2010 - Current - Bank of America |

| |Managing a current port size of 130+ active FHA short sales. |

| |Scrutinizing purchase contracts and other needed documents to |

| |process negotiate FHA short sales within current HUD/FHA |

| |guidelines. |

| | Utilizing my considerable knowledge of the FHA product to |

| |negotiate with real estate professionals, title agencies and |

| |internal auditing to provide a smooth short sale transaction. |

| |Assisting management in trainings of newly appointed Phase II |

| |associates |

| |Maintaining an open relationship with various departments |

| |within the organization to utilize a wider understanding of |

| |goals/rules and instructions such as Quality Control and FHA |

| |variance/HUD understanding. |

| |Loss Mitigation Specialist - Processor |

| |February 2009 - April 2010 - LoanCare D/B/A ServiceLink |

| |Negotiating short sale offers based upon FHA and lender |

| |requirements |

| |Underwriting possible loan modification scenarios in |

| |conjunction with lender/investor guidelines |

| |Evaluating default customers that may qualify for various |

| |modification products as a substitution for foreclosure |

| |Closing Settlement Specialist - Closer |

| |October 2008 - December 2008 - Washington Mutual |

| |Responsible for processing and amending loan modification |

| |alternatives. |

| |Reviewing the needed documentation, updating tracking systems |

| |and conducting regularly scheduled updates to all parties |

| |(Home Owners/Investors) |

| |Sending the needed parties modification documentation |

| |Rejecting files that do not meet various list of requirements |

| |Decisions to approve or reject offered modifications |

| |monitoring |

| |Pricing Specialist |

| |March 2008 - October 2008 - Washington Mutual |

| |Using daily pricing matrix calculations to update home |

| |prices/re-finance options and credit approval |

| |Fully responsible for sending authorized 3rd parties and |

| |assisting them through the documentation submission process |

| |Aiding prospective homebuyers in meeting income calculations |

| |and debit ratios in direct correlation to the amount the |

| |purchase price. |

| |Customer Service Representative/ Jr. Processor |

| |June 2007 - April 2008 - Assurant |

| |Answering a multi-lined phone system from mortgage servicing |

| |customers that may have questions regarding policy and loan |

| |application. |

| |Analyzing insurance premium discrepancies, lapses in coverage |

| |& cancellations. |

| |Processing certifications and changes in insurance/mortgage |

| |holders |

|Education|University of Florida, Gainesville, FL |

| |June 1996 - May 1999 |

| |Professional references are available on request. |

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