Customer Service Real Estate
Resume:
Sidney Gailyard Jr.
Jacksonville, Florida 32209
******.********@*****.***
Objective: To obtain a challenging and rewarding position; that utilizes my expertise in the
mortgage, and financial industry
Education: Douglas Anderson School of the Arts Graduated June 2000
Summary of Qualifications:
• Set-up repayment plans, negotiated terms, offered alternative solutions, and acted as
intermediary for loss mitigation services
• Familiar with mortgage documents and loan processes from loan origination to closing
• Maintained loan processing production workflow and loan servicing
• Processed, funded, and junior underwrote mortgage loans
• Reviewed file for compliance issues, made necessary corrections, and submitted results
to proper chain of command; i.e. team, and unit managers
• Trained new employees on daily collection system & dialer processes, production
requirements and quality
• Extensive customer service experience in the Real Estate and Retail Banking industry
• Coordinated and managed multiple priorities and projects on a timely basis
• Strong knowledge of loan Servicing, default collections, &loss mitigation policies and
procedures which allows me the ability to interface with various areas of the bank i.e.
legal, investors etc
• Able to analyze and process, HUD-1, escrow statements, Loan Notes Etc.
• Review, correct and prepare loan closing documents.
• Managed portfolio of 200+ sub-prime foreclosure accounts for multiple investors
• Monitored progress of foreclosure through liaison with attorneys including an analysis delinquent
steps, sales results, closed accounts and unacknowledged new referrals.
• Executed assignments of mortgages, affidavits and other various documents for proceedings.
Contacted attorneys to ascertain the status of title search for unpaid taxes, lien position or any
unusual circumstances.
• Review and submit Bond Loans and Special Programs
• Outline guideline and process documents for HARP loans
• Negotiated, processed settlements on REO, Bankruptcy, Short Sale and tradional Loss Mitigation
Loans
• Calculated front end and back end ratios for accurate loan pre-qualification
• Processed DU / LP automated and Manual Underwriting
• Reviewed tax returns and attached schedules for proper income monthly and or annual entry
• Made day to day contact with internal and external customers assist in loan closing
Experience:
02/13- Current PrimeLending / Junior Underwriter Jacksonville, Florida
04/11- 11/12 PNC Mortgage Co. / Loss Mitigation Negotiator III Jacksonville, Florida
10/10- 02/11 Randstad Staffing / Bank of America Loan Processor Jacksonville, Florida
12/08- 09/10 Wells Fargo Bank Default Collections Specialist Jacksonville,
Florida
03/08- 06/08 CSI Staffing / Bank of America Loan Processor Jacksonville, Florida
05/07- 11/07 Citizens Insurance Technical Resource Specialist Jacksonville, Florida
09/06- 03/07 Brandner Mortgage Loan Processor / Compliance Auditor II Jacksonville,
Florida
12/04- 05/08 Washington Mutual Mortgage, Retail, Default Specialist Jacksonville, Florida
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