Dulcenella Gomez

[pic] **** N. Mart-Way Dr. Unit 107[pic] Olathe, Kansas 66061[pic]

816-***-****[pic] abip6s@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Mortgage Professional with extensive expertise in negotiation, debt

analysis, underwriting, loan processing and closing and sales. Innovative

strategist with proven abilities in managing multi-million dollar

portfolios, loan modifications and repayment agreements.

?Loss Mitigation ?Bilingual

?Sales Closure ?Customer Relations

EMPLOYMENT HISTORY

Bridgefield Mortgage Corporation

2008-2010

Bilingual Loss Mitigation Consultant

Negotiated and closed Short Sales, Deed in Lieu's, Loan Modifications, and

Repayment Agreements for loans approaching foreclosure, in foreclosure, or

in bankruptcy. Obtained a 25% resolution rate and a 98% closing rate.

Developed and retained relationships with customers and negotiated terms of

their mortgage to put them on a path dictated by the investors' guidelines

and the borrowers' intentions. Foreclosure rate was less than 6% of

portfolio.

Consistently reinforced the benefit of homeownership to borrowers who are

in negative equity positions. Steered and assisted overwhelmed borrowers

towards resolution alternatives with a positive result for the company and

the borrower.

Assist with creation of various approval letters and translated letter to

Spanish dialect in order to reach our spanish speaking customers.

Successfully decreased the amount of foreclosure sales and created an

increase home retention by 36% from the previous servicer.

Communicated the importance of complying with loan modification guidelines

and strict foreclosure deadlines to customers.

Negotiated approved modification workout options for customers up to forty-

two months past due to cure delinquency.

NovaStar Mortgage, Inc

2006-2007

Bilingual Loan Officer

Successfully closed 6-8 loans per month and exceed department goals.

Achieved top loan officer.

Extensive knowledge of all loan types such as conventional, FHA, and VA

loans.

Provide assistance to processors to obtain all documents need to complete

loan and close during allotted timeframe.

Licensed in all 50 states to close all loan types.

Bilingual Loan Counselor

2004- 2006

Communicated the importance of keeping mortgage accounts current while

effectively provided guidance to prevent future delinquency.

Successfully cured 2.0% delinquency or less 23 out of 24 months.

Recognized for being Collector of the Month several months out of the year.

Obtained FDCPA/ACA certification.

Conducted inbound and outbound calls to determine the reasons for

incomplete payments and scheduled payment arrangements.

Field inbound calls from customers with questions regarding their loan

after closing to ensure first call resolution.

Contacted mortgagors using an automatic dialer as well as manual contact

strategies.

Use all available tools such as Accurint, NCCI and other skip tracing

methods to make direct contact with hard to reach customers.

Perform account histories and research daily.

Lab One

2002-2004

Bi-lingual Tele-Interviewer

Field inbound calls from customer about their medical life insurance

policies

Productively prepared and scheduled paramedical interview for yearly exams

Achieved company goals through focus and team building skills.

Maintained all Spanish accounts effectively by utilizing time management

skills.

EDUCATION

University of Missouri - Kansas City, Kansas City, MO - 1999-2002

Basic Studies - International Business Major

University of Kansas, Lawrence, KS - 1999

Basic Studies

TECHNICAL SKILLS

Bilingual, Alltel-CPI, Western Union SpeedPay, Fidelity, Citrix, Fiserv

MortgageServ. Extensive experience with NPV and loss projection evaluation

software.

Contact this candidate