Joy'e McClure

abiofq@r.postjobfree.com

214-***-****

PROFESSIONAL SUMMARY

Highly motivated and energetic individual seeking a career opportunity that

will utilize my analytical, planning, communication and leadership skills

as well as offer personal and professional growth.

EDUCATION

Alcorn State University

Bachelor of Science - Health Science

PROFESSIONAL EXPERIENCE

Saxon a Morgan Stanley Company Present

Asset Performance Management

. When unable to fully collect the outstanding debt, review the

borrower's financial situation for a workout alternative.

. Use MortgageServ, MSP LPS, Fiserv and other tools to review of the

borrower's financial package and other documents to make the best

decision for the borrower and the company including postponing

foreclosure.

. Use MortgageServ, MSP LPS, DRP and Excel and other tools to assist

with the loss severity calculations and in drafting the details of the

workout option recommended as applicable.

. Monitor the loss mitigation/special servicing workout process through

its completion, including borrower follow-up.

. Order appraisals to make decision on approving or obtaining necessary

approval for Short Sales and HAMP modification through HSSN and WPII

for investors.

. Maintain a work queue for target date and goals while following FNMA

and FHLMC guidelines.

. Negotiate terms with brokers, attorneys, and third parties of sale of

properties

. Responsible for following loss mitigation/special servicing

procedures.

. Identify potential problems and timely communicate them to management.

Compugain(Freddie Mac Consultant) 02/09-07/09

On-site Loss Mitigation Analyst

. Assist Servicer with working delinquent loans that are past due to

qualify for HAMP or standard modification.

. Facilitate contact with correct Freddie Mac foreclosure staff on

urgent decisions to postpone foreclosure sale.

. Facilitate the flow of the loss mitigation files that are stalled in

the process at the servicer shop, resolve backlog of files.

. Review closed loans for eligibility with respect to Freddie Mac

Selling Guide, LP DU Guide and/or negotiated terms as defined by

contract with Freddie Mac Lenders partners

. Accurately record date and review conclusions in QAS(Quality Assurance

System)

. Review offers for short sales and approved deals that are within my

delegation and update all information regarding my decisions in NPL.

. Initial point of contact for resolving borrowers and brokers

escalations that come through our borrower's outreach hotline.

. Uncover issues and identify training opportunities to manage the

overall business more effectively

. Manage servicer relationships to improve performance.

. Knowledge of Freddie Mac underwriting and quality control guidelines.

NCCI (National Creditors Connection) - Dallas, TX 10/08-02/09

Loss Mitigation Specialist II

. Communicate with Debtors their alternatives for foreclosure based on

guidelines from the lenders.

. Collect Financials to determine which workout option would be best for

the borrower and propose a written recommendation to the lenders.

. Order field inspection of the property for evaluation.

. Skip trace borrower by using various resource tools.

Countrywide Home Loans - Richardson, TX 03/08-10/08

Underwriter (Fannie Mae portfolio)

. Communicating regularly and effectively with mortgagors that are

seriously delinquent in order to identify and counsel borrowers on the

best workout options available

. Negotiating workouts with all involved parties(Borrowers, Investors,

Insurers and Brokers) from initial workout request to final close of

workout

. Obtaining all necessary documentation from mortgagors and coordinating

workouts options(Modifications and Homesaver Advance Loan) with

applicable internal departments when necessary

. Review loans daily, order appraisals, credit reports, and analyze tax

returns, W-2s, pay stubs and preliminary title reports.

. Input required information in HSSN on non-delegated case for

investor's approval.

. Postponing and Canceling Foreclosure sales when necessary if workouts

options are in process of being completed

Fremont Investment & Loan - Dallas, TX 08/06 - 02/08

Well-capitalized financial services firm specializing in consumer banking,

commercial real estate lending, and sub prime residential mortgage

origination and servicing

Underwriter

. Determine appropriate recommendations subject to management and

underwriting guidelines.

. Reviewed, evaluated and synthesized data to ascertain loan viability

and identify risk issues and potential fraud.

. Independently performed financial analysis on borrower

. Assisted in identifying, recommending and negotiating alternative loan

requirements, funding loan-structuring solutions.

. Recommend workout solutions based on analysis and comparison of short

payoffs, modifications, repayment plans, and deed in lieu scenarios.

. Review financial information for workout determination in accordance

with business and investor guidelines.

. Negotiates terms and payments with borrower, brokers, and realtors.

Centex Home Equity\ Nationstar Mortgage 06/05 - 07/06

Well-capitalized financial services firm specializing in consumer real

estate lending and sub prime residential mortgage origination and servicing

Collector/Loss Mitigations Specialist

. Collect on delinquent mortgage payments (AS400 software)

. Eliminate or Reduce the probability of loss

. Responsible for bringing resolution to on-going delinquency by

offering repayment plans, extensions, Deed in lieu, modifications and

submitting Short Sales for Approval

. Deal closely with Foreclosure Specialist, Bankruptcy specialist and

attorneys

CitiCapital

Commercial Collections 10/03 - 06/05

One of the top U.S. based commercial finance company include direct

finance, dealer and vendor financing construction equipment, healthcare

equipment and energy management equipment

. Collect delinquent property taxes and monthly payments

. Skip trace accounts and come up with new methods to contact customers

. Prepare invoices

. Review Tax records for accuracy and acknowledge disputes

. Counsel customers on future action if delinquency continues

. Refer consistently delinquent accounts to legal for recommendation

action

Methodist Hospital, Dallas, TX 03/03 - 10/03

Patient Admitting Representative

. Verify Benefits for patients with insurance companies

. Schedule surgeries

. Contact patients to verify surgery dates and times

. Review the surgery scheduling listing for each day in advance to

verify that there are no scheduling conflicts

. Greet patients with a smile and go over pre-op paperwork and obtains

signatures needed and collect payments

. Follow-up on payments not received or confirmed by insurance providers

or patients after 30 days of service

Contact this candidate