Sales High School

Heather S. Bell

*** *.* **** ** MacClenny, Florida 32063

904-***-****

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

Professional Experience

**/**-******* **********************

Philadelphia, PA

HOME LOAN PROCESSOR III

. Review information obtained from home mortgage consultant for

accuracy, completeness and viability in CORE.

. Duties include interpreting policies and analyzing applications

pertaining to a FUTURE STATE MODEL.

. Obtain additional documentation needed from all sources, Flood Certs,

Appraisals, HO3/HO6, Titles and Credit Reports.

. Obtain underwriter loan decisions while communicating closing

conditions to borrower as well as home mortgage consultant.

. Able to process multiple files within pipeline at different stages

from start to finish with time sensitive tasks.

. Extensive knowledge of Conventional, FHA/VA, Conforming loans.

07/11-03/12 PNC Jacksonville,

FL

COLLECTOR III

. Inbound/outbound mortgagor contact informing of delinquency, reasons,

and arrangements to satisfy accounts.

. Offered alternate programs relating to various investors FNMA, GNMA,

FHA, VA, and conventional loans.

. Opened and closed numerous tasks relating to filed Bankruptcies cases

7, 11, and 13.

. Utilized systems ER, MSP, Speed pay, Lotus Notes.

08/10-05/11 Everhome Jacksonville,

FL

LIQUIDATION SPECIALIST IV-FNMA

. Responsibilities included for underwriting liquidation approval or

denial options (Short Sales/DIL's).

. Acted as liaison between real estate agents, title companies,

attorneys, MI/PMI companies and investors.

. Advanced reviews of Purchase Contracts, HUD's, Appraisals, BPO's, and

other related mortgage documents using MSP, HSSN, AVP, USRES, SURF,

New Image, Newtrak systems.

. In addition, reviewed reports of pending foreclosures, pipelines,

closings while maintaining up to 30 decisions monthly depending on

workflow.

12/08-08/10 CSI Jacksonville,

FL

SENIOR COLLECTOR (agency)

. Handled current, 30+ days past due, none equity loans by offering

retention/liquidation options by submitting accounts thru HAMP/NPV

tool.

FREDDIE MAC NEGOTIATOR (agency)

. Processed current, delinquent loans specifically to Short Sales/DIL's

using the WPII, Equator, and AS400 programs.

. Received numerous workout packages including paystubs, hardship

letters, tax returns, 4056T's, bank statements, signed purchase

contracts, addendums, and huds.

. Analyzed guidelines pertaining to investor and mortgage insurance

requirements.

. Offered training to new hires and less seasoned employees where

applicable.

07/07-06/08 WAMU Jacksonville,

FL

LOSS MITIGATION SPECIALIST

. Processed Short Sales/Deed in Lieu's at different stages on Sub

primes, FHLMC, and HELOC's loans.

. Maintain contact with numerous law firms, and realtors pertaining to

postponements, closings, and other related matters during the

foreclosure process.

. Systems of records in use MSP, CACS, Newtrak, Image Web, and WPII.

. Implemented training with assigned projects relating to investor

guidelines, policies and procedures.

02/04-11/06 Option One Jacksonville,

FL

BORROWER ASSISTANCE SPECIALIST III

. Focused on financial packages to determine underwriting options

available to borrowers that included Forbearances, Repay plans, Loan

Modifications, MI claims, Short Sales, Deed in Lieu's.

. Extensively reviewed portfolios of an average two hundred foreclosure

accounts per month

. Participated in outreach programs traveling to specific states for

face to face interviews.

Education

. Baker County High School, (Diploma) 1993.

. Gainesville Job Corp Center, (Business Clerical Certificate) 1995.

Related Skills

. Desktop Loss Mitigation, Microsoft Office, Data entry, filing, 10 key

calculations, Symitar, Virtual Access.

. Cash handling, Citrix, Lexis Nexus, OMNI, LIS, RELS, and LP.

. Strong organization, detailed oriented, good communication skills with

the ability to multi task.

Contact this candidate