High School Service

Xaviar Bankhead

**** ***** *** **.

Jacksonville, FL 32210

Home 904-***-**** Cell 904-***-****

******.********@*****.***

Why Me?

I’m eager to utilize my 11 years of exceedingly in depth, professional customer

service, mortgage banking, and default collection skills. I learn quickly and embrace

t he challenges that derive from change, as opportunities for continuous growth.

Over my 11 years of professional banking servicing expertise; I’ve acquired many

l ucrative talents & solid relationships with today’s leading banking professionals.

P rofessional Experiences

2012-Present EverHome Mortgage Jacksonville,

FL

Enterprise Priority Service

Conduct independent review of prior Loss Mitigation packages, foreclosure

referrals, to ensure accuracy and integrity of process and that

regulatory/investors guidelines were satisfied.

Know and remain aware of new investor/regulatory changes and compliance

updates as they pertain to default.

Respond to Regulatory & Presidential Letters/Inquiries.

Respond to Attorney Letters/Inquiries

Work closely with other departments to resolve issues and inquiries.

Mentor /Assist peers with inquiries /research.

2010-2012 EverHome Mortgage Jacksonville,

FL

Homeowner Solutions Group Advocate

Audit, review and negotiate Loss Mitigation workout files.

Verify appropriate investor/insurer guidelines are met during review.

Analyze Loss Mitigation Modification Agreements to ensure terms and

conditions of modification are accurately stated.

Examine loan level information to ensure previous and post specialists have

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correctly document the system.

Skilled in determining all the necessary documents have been received and

mortgage systems have been updated accordingly.

Confirm mortgagor’s qualifications via analytical assessments and

i ntelligently discussing various workout options.

Frequently communicated with team members in regard to several loan level

issues.

Trained new associates on a one on one basis.

2008-2010 Commercial Investment Trust (CIT)

Jacksonville, FL

Collections Representative Stage 2

Executed default negotiations and resolutions.

Regularly conducted skip tracing.

Capable of working effectively in a fast paced team environment.

Gained superb written and verbal communication skills with both external

and internal customer.

Extensive problem solving ability.

Comprehensive knowledge of established procedures and guidelines.

Handled high call volume and APS processing in addition to training new

associates.

2006-2008 Washington Mutual Jacksonville,

FL

Sr. Loan Counselor NPL Group

Generated outbound calls for delinquent borrowers and/or third parties

who were at risk.

Reviewed non-performing loans to determine regulatory and investment

requirements were met with regard to foreclosure.

Monitored loan service h istory for errors, deficiencies and issues, while

communicating errors to corresponding departments for resolution to

p revent foreclosure actions.

Verified final authorization for foreclosure action.

Coordinated approval to document control .

Trained new associates on a one on one basis.

2003-2006 RBMG/Net Bank Jacksonville,

FL

Sr. Loan Counselor/Loss Mitigation Counselor

Maintained contact between 100-125 delinquent customers on a daily

basis.

Reviewed accounts for Loss Mitigation retention and liquidation options.

Worked second mortgages ranging from 30-120 days delinquent.

Conducted payment arrangements.

Ordered BPO’s and credit reports.

Responsible for recommending loans to Foreclosure, as well trained new

associates on one on one basis.

ADDIT IONAL SKILLS

Received Certificate of Completion f rom Mortgage Bankers Association of

America, for Collections Skills and Loan Counselors.

Acquired certification for the completion of FDCPA, ECOA, RESPA, GLB

Privacy; Anti- Money Laundering and Fair Lending Review regulations.

Proficient with M icrosoft Office Systems, LPS Desktop, MSP (Alltel), FNMA

I ntel Systems (Surf & AVM); Pacer Website; which includes M icrosoft Word,

M icrosoft Excel, Power Point and Microsoft Outlook.

EDUCATION

Nathan B. Forrest High School

Currently enrolled & attending Jones College of Jacksonville, FL

Legal Assistant, Ashworth University, Norcross GA

*Special Recognition: President’s Circle of Excellence* October 2010

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