Manager Human Resources

Shirley Beloate Hines

**** ****** ****, ********, ** 23225-7030

Phone: (804) 675-

**** *-****: abjh17@r.postjobfree.com

OBJECTIVE

To obtain a full-time position that will allow me to contribute to the

growth of a company through utilization of my expertise in various areas of

business.

SKILLS

Management, Collections, Compliance, Quality Control, Loss Mitigation, Risk

Management, Foreclosure, Real Estate Owned, Insurance, Title, State

Statutes and Federal Regulations, Instructions and Procedure Preparation,

Human Resources, Dispute Resolution, Accounting, Budget, Bankruptcy, REO

and Legal. (Expert Level)

EXPERIENCE

SunTrust Mortgage

1001 Semmes Avenue

Richmond, VA

2/7/08 to 4/30/10

Loss Mitigation Department, Inbound Counselor and Negotiator positions.

Handle loss mitigations on delinquent mortgage loans including assisting

customers during loan modifications, forbearances and repayment plans

Accountemps - Division of Robert Half Associates

901 E. Byrd Avenue

Richmond, VA. 23219

4/16/07 to 12/28/07

Contract Position, Collection Manager for Richmond Redevelopment Housing

Authority

Reviewed delinquent accounts to determine workout options to prevent

potential loss, contacted borrowers to determine reason for default and

prepared monthly management reports on delinquent loans.

People Solutions

6802 Paragon Place, Suite 430

Richmond, VA 23225

2/28/07 to 3/9/07

Contract Position, Title Review Manager and Accounting Manager for Friedman

& MacFadyen, Foreclosure Attorneys.

Reviewed title policies, submitted the Accountings to Commissioners of

Accounts and obtained documents missing from initial packages within a

timeframe to remain within compliance.

Aerotek Professional Services

5540 Falmouth St., Suite 100

Richmond, VA 23230

8/17/06 to 2/10/07

Contract Position, Mortgage Specialist assigned to SunTrust Mortgage

Assumptions Department.

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Reviewed mortgage documentation to correct discrepancies, prepared various

legal documents for loan closings, handled post closing functions, reviewed

closing packages,

contacted borrowers to determine eligibility for assumptions, ensured

compliance with Federal and State regulations and supervised Assumption

Department staff.

NewStar Funding

Richmond, VA

2/1/06 to 8/1/06

(Part-time position) Affiliate Loan Officer and Net Branch Manager

Originated residential and commercial wholesale loans, handled processing

functions including the ordering and review of title reports and closing of

loans.

Mortgage Star

Virginia Beach, VA

4/1/04 to 2/1/06

Branch Manager

Ensured branch compliance with Federal and State regulations, prepared

reports of branch status for corporate Office, visited potential clients to

generate more residential and commercial business, relocated to Richmond

and completed phase-out of Virginia Beach Branch.

1st Atlas Mortgage

Chesapeake, VA

2/1/01 - 9/1/03

Loan Officer/Loan Closing Agent

Obtained leads for residential and commercial loans, originated, processed

and prepared loans for closing and closed loans and assisted title company

with closings when needed and prepared and presented programs to potential

clients to generate new business.

Providence One

Norfolk, VA

1/1/99 - 2/1/01

Loan Officer/Loan Closing agent

Obtained leads for residential and commercial loans, originated, processed

and prepared loans for closing and closed loans and assisted title company

with closings when needed and prepared and presented programs to potential

clients to generate new business.

Newport Title

Virginia Beach, VA

9/1/97 - 1/1/99

Outside Sales and Underwriter

Contacted Brokers to obtain new business and to service existing clients,

cleared title and assisted with underwriting when necessary.

CENIT Bank (Now Wells Fargo Bank by merger)

Norfolk, VA

9/1/55 to 8/1/97Vice President---Trustee--- Manager and Officer in charge

of Legal, Compliance, Quality Control, Audit, Loss Mitigation/Short Sales,

REO, Risk Management and Collection Departments.

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Vice President/Trustee: Conducted all foreclosures including calculation of

the bid for the Bank, obtained a Contract from the successful bidder at the

sale and ensured the closing

was held in a timely manner and attended all closings. Managed the

Foreclosure Department and assured all foreclosures were in compliance with

applicable laws.

Legal: Approved all Power of Attorneys and other legal documents prior to

their use, settled disputes with customers, assisted Human Resources with

personnel matters, prepared all

Legal forms and procedures for all departments, held training classes for

all personnel which including Harassment training. For apartments we

obtained through purchase or foreclosure I prepared the documents for

converting them into condos and filed these documents. I established a

Unit Owners Association and attended meetings until they were able to

function on their own.

Compliance: Ensured the Bank was in total compliance with the BSA, AML,

OFAC, FDCPA, Patriot Act, RESPA, Regulation Z, Regulations B, D, and E and

other Regulations both on the Investment and Mortgage side. Ensured Risk

Management Department was in compliance.

Quality Control/Audit: Performed a thorough review of all legal documents

including investment and loans. Checked to be sure no patterns existed

which would indicate fraud, ensured all Federal Regulation and State

Statutes were complied with and there were no violations of any

regulations, checked to be sure proper insurance (hazard and flood) was

maintained on loans, escrow on loans was handled properly and all

processing functions were correctly handled.

Accounting/Budget: Ensured each department prepared and submitted their

budget by end of November for the coming year. Checked with Accounting to

be sure the dollar amount needed was available.

Loss Mitigation/Short Sales: Ensured proper procedures were in place in

order to assist delinquent borrowers while protecting the Bank and lowering

Reserves for Losses and all processing was done in a timely manner.

Bankruptcies: Ensured all laws were complied with and proper holds put on

accounts. Accounts were monitored daily.

REO: After foreclosures had staff obtain insurance on all properties,

change locks on properties and work with Property Preservation and Real

Estate Agents to sell properties.

Collections: Ensured collection activity was within compliance with the

Fair Debt Collection Practice Act, borrowers were treated with respect,

loans brought current as soon as possible and every attempt made to cut our

losses.

Human Resources: Ensured all legal documents were obtained from each

employee and kept in the employee's file. Assisted in selecting new

employees.

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ADDITIONAL EXPERIENCE

Teacher: Mortgage Lending

Tidewater Commonwealth College

Teacher: Loan Documentation

Virginia Wesleyan College

Liberty Life Insurance Company

Agent

Protective Life Insurance Company

Agent

Equitable Life Assurance Society

Supervisor Loan Division.

Broudy and Broudy, Attorneys

Assistant to J. Louis Broudy

Speaker's Bureau

EDUCATION

Maury High School-Norfolk, VA

Honor Graduate-Business Administration

University of Houston- TX

Leadership Program Business Management.

Old Dominion University- Norfolk, VA

School of Voice - 4- Years

Studied Law for 6-Years in Norfolk, VA

VA Underwriter's License, Lawyers Title--Stewart Title---Southern Title

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