Sales Real Estate

E lise Nassiff

*** ****** ***., *.********* Beach, F L 33708

P hone: 904-***-**** E mail: n abnzgb@r.postjobfree.com

Self-di rected leader with exceptional communication and

i nterpersonal skil ls seeking position of responsibil ity in Loss

M itigation, REO and Default Asset Operations.

QUAL I F ICAT IO NS

Strong analytical, w r i ting and research skills, w ith proficiency in

F annie Mae, F reddie Mac, F H A, VA, USDA, HA MP and HAFA

g uidelines and procedures. A rea of concentration is Forensic

U nde r w r iting, Auditing and Quality Control/Compliance.

E M P LOY MEN T

H I LL TOP ADV ISORS, L LC: I ndependent Consultant for Confidential

C lient, Dayton, Ohio Foreclosure/Loss M itigation F i le Auditor, Level I I

(supervisor) October 2011 - P resent

Evaluate/review loans in both active foreclosure and REO status following

claim review process, to determine whether all required loss mitigation

activities adhered to procedural regulatory compliance, including all

mandatory legal documentation, in accordance with the requirements

of HAMP, proprietary loan modifications and/or alternate workout

p rograms, prior to making a final determination of imminent

foreclosure action.

E nsure that all borrower communication was performed in accordance

w ith SD Directives and In ternal Operating Procedures.

Review underwri ting processes using agency industry standard

guidelines, and identifying any errors, misrepresentations or

deficiencies/discrepancies which may have resulted in financial harm

to the mortgagor or mortgagee.

Review files to determine whether HAMP procedures and practices were

followed as governed by HA MP Program guidelines.

Complete Claim Review and Evaluation within Promontory/OCC

parameters.

D I G I TAL R ISK: I ndependent Contractor, J acksonville, FL

Forensic Loan Review Analyst/Underw r iter Level I I I M a rch 2011 –

October 2011

Freddie Mac PLS loan Review and Analysis. Research and underwri te all

loan files within a specific segment to detect fraud, imprudent

u nderwri ting practices and reps and warrants violations. Establishing

claims, and detailed case wri ting for Investor leveraging of loan pool

buybacks. Assessed origination underwri ter’s approvals to identify

u nderwri ting procedural violations, or imprudent practice to determine

w hether imminent default may have been avoided. Assessment of

borrower’s hardship and documentation provided to servicer in attempt

to modify or liquidate the loan. Stringent production environment

w ith significant underwri ting caseload.

E L ISE NASSIF F RESU ME PG 2

P H H MOR TGAGE: I ndependent Contractor, J acksonville, FL

Contract Underw r iter I I September 2010 – Ma rch 2011

Contract underwri ting for large Private Label Solutions Corporation

w hich serviced prominent lending institutions and Business Sources

such as Key Bank, PNC, Mer rill Lynch. Underwrote for Mer rill

L ynch Wealth Management Banker’s clients: Agency and Portfolio

p roducts including Conventional, Jumbo and Pledged Asset Private

L abel originations in excess of $1.5mm. Team Leader and Top

P roducer. Created and implemented ongoing t raining for level I and I I

u nderwri ters, and edited templates and questions for servicing

s taff/processors. Utilized CASH and IDESK paperless underw ri ting

systems.

F LOR I DA LUXURY HO M E GROUP: J acksonville, FL

Vice President of Operations, Loss M itigation/Liquidation (REO and

S hort Sale Acquisitions)

October 2007 - December 2010

Managed and co-brokered with REO Investors in the Acquisition,

p rocessing, pre-underwri ting, negotiating, closing and resale of Short

Sale and REO properties throughout Florida, Kentucky, Texas, New

York, California, Georgia and North Carolina.

Oversaw processing and submission of short Sale packages to

appropriate lenders/loan servicers and PMI Companies.

P rospected Attorneys, Title Agents, Real Estate Agents and independent

I nvestors for Distressed Properties and Active Short Sale Listings.

Accompanied Realtors on signing appointments with distressed

homeowners to ensure all contracts and mandatory disclosures were

executed. Assist Realtors with coordination of Buyers financing,

i nspections and closing. Obtained postponements of sale, and took

over final negotiations of high end properties, while aligning fees and

costs to remain in compliance. Provided systems creation, coordination

and t raining for Short Sale Agents. Implementation and enforcement

of all operational procedures. Business Track Relationship

M anagement established with all vendors, from field employees to

executive management.

F I RST F LOR I D IAN MOR TGAGE, L LC, S t. Augustine, FL

Owner and Pr incipal Broker, F lorida Mortgage Broker Business:

F ebrua ry 1999 – July 2007

Full Service Mortgage Broker Business. Responsible for management of

o rigination, processing,

Pre-Underwri ting (DU/LP), loan placement with over 90 approved

w holesale lenders, closing, and post-closing auditory compliance.

E mployed a staff of 11. Established, via marketing and streamlined

p roduct sales strategies, relationships with Realtors, Investors,

Settlement Agents, Financial Planners, Builders, Attorneys and CPA’s.

C reated vendor management tools to efficiently maintain services of

i ndustry affiliates, and referral business from portfolio of

Borrowers/Investors. Ongoing product and sales t raining for brokers,

p rocessors and underwri ters and joint sales calls with brokers to assist

w ith origination. Expanded brokerage multiple times within seven

years.

E L ISE NASSIF F RESU ME PG3

ED UCAT ION

Kaplan College – B.A/Business Management with minor in finance

2008 - 2010

Ashworth University – Paralegal Certificate

2007

FCCJ & SJRCC – ASN (Registered Nu rsing)

1998-2000

American Mo r tgage School - P rocessing and Conventional

U nde r w r iting 1999

F lorida Mo r tgage Broker P re-licensing

Watson School of Real Estate

1997

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