Sales Years Experience

Candy D. Caldwell

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***** ******** **. ************, ** 32223 904-***-**** ********@*****.***

objective: Obtain a position offering growth and opportunities to utilize

my knowledge and experience.

summary: . Ten + years experience in sales and collections

. Top sales producer for branch

. Training of new employees by way of mentorship

program

. Excellent communication skills and ability to provide

leadership as well as follow instructions with or without

supervision

experience: Scheduling/telemarketing

Nov 2012-present, part-time

IHRS, Jacksonville, FL

. Contact clients and potential clients to schedule/reschedule

appointments

Collections Officer/Mortgage Modification/Risk Management

Feb 2009-March 2012

Jax FCU, Jacksonville, Fl

. Contact delinquent members and help work financial solutions to

bring accounts current and maintain asset quality

. Skip trace to locate members

. Worked both late stage and early stage delinquency on consumer

loans, visa, and mortgage loans with primary focus per

position on mortgages

. Hardship loan and mortgage modifications, short sales, foreclosure,

REO, ensured files contain proper documentation and relevant

data, correspond with members to resolve questions regarding

process and aid in resolving financial problems to prevent

losses, worked with other lien holders to ensure clear title,

as well as underwriting and closing final modification file

Mortgage Broker, July 2007- Oct 2008

License placed with Integrity Home Loan of Central Florida, Lake

Mary, FL

. Took mortgage loan applications gathered and processed necessary

documentation for loan, VOE, VOD, reviewed appraisals,

ordered HUD and cleared titles, minimized risk due to fraud

and failure to secure liens

.Worked with both Fannie Mae & Freddie Mac decision engines, FHA

.Familiar with compliance regulations and underwriting guidelines

Sr. Loan Originator, September 2004- June 2007

Aegis Lending Corporation, Lake Mary, FL

. Maintained a consistent pipeline of loans thru referrals, cold

calling and company provided leads

. Structure financial solutions by implementing guidelines and

financial benefits

. Worked with various products including Sub-prime, Alt A, and desk

top under writer

Product Sales, November 2002- June 2004

Kendall Management, Casselberry, FL

. Face to face sales

. Trained sales group by providing product knowledge and sales

skills

Collections, April 2001- November 2002

National Financial Systems, Orlando, FL

. Extensive research of debtors credit history

. Skip tracing

. Negotiated credit card settlements

Collections, January 2000- April 2001

Publishers Direct Services, Altamonte Springs, FL

. Established consistent payment stream for business accounts as

well as returned checks

Collections, January 1997- December 1999

Check care Systems, Casselberry, FL

. Returned check collections

. Negotiated settlement arrangements to stop prosecution

REFERENCES: Available upon request

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