Lashara S. Mickens

**** ******* ***** **. #**** Jacksonville, FL 32216

abtnyo@r.postjobfree.com 904-***-****

CAREER OBJECTIVE

Seeking to obtain a position where I can utilize my mortgage skills,

knowledge, and experience.

SKILLS SUMMARY

. Self-motivated and able to work independently and as part of a team

. Ability to identify potential risk

. Meticulous attention to detail with the ability to work effectively in

a fast-paced environment

. Accustomed to meeting tight deadlines and exceeding goals

. Strong negotiating and problem solving capabilities

. Thorough individual with excellent verbal and written skills

OPERATING SYSTEMS

. Microsoft: Word, Excel, Outlook

. Fidelity MSP

. DWS

. Guardian

. Agent desktop

. AS400 / Iseries

. Linx

. CMS

. TS2

. IPortal

EXPERIENCE

Collabera, Morristown, NJ 2012 -

Present

Bank of America - Contractor

Sr. Post Closing Specialist

. Perform research & procure mortgages, huds, title policies, and

assignments

. Communicate with title companies regarding documents

. Audit original loan documents

. Resolve closing issues and system discrepancies

Chase Home Finance, Jacksonville, FL

2009 - 2012

Sr. Loan Processor

. Order Escrow analysis

. Communicated with attorneys and borrowers relating to bankruptcy

file/status

. Early Resolution, FHA,VA, Gannie Mae, Fannie Mae, Asset, Unemployment

and Modifications

. Uploaded borrower's information and reviewed income documents

. Managed and maintained a pipeline 100-150 loans monthly

. Ordered AVM or BPO to determine home value manual calculating income

. Ensured files were complete for short sales / underwriting review

before closing

. Managed portfolios for mortgage recovery, post loss mitigation, and

charge off loans

. Make recommendations to under writing based on outcome of modification

tool

. Communicate and follow-up with modification counselor if additional

documents are required

Ally Financial, Jacksonville, FL

2008 - 2009

Loan Loss Mitigation Collector

. Contacted customers to determine their reasons for continued

delinquency

. Updated customer account information on a computer system

. Responsible for a portfolio of clients until resolution is reached

. Determined process and priorities based on the requirements of a

situation

. Respond to customer inquiries

. Anticipated obstacles and established next steps

. Determined payment plans

. Made autonomous decisions using independent judgment

. Skip trace and locate responsible party

. Collections of delinquent GM vehicle payments

Rubin & Debski P.A., Jacksonville, FL

2008

Legal Assistant

. Trained new collectors

. Responsible for reviewing accounts prior to suit and contacting

account holders to resolve balances

. Presented account information clearly and concisely following FDCPA,

state laws and company policies

. Documented all consumer contact information and accounts quickly and

accurately

. Maintained productivity requirements of 200- 300 calls

Deerwood & Associates, Jacksonville, FL

2005 - 2008

Mortgage Underwriter

. Underwriter for FHA, VA, Conventional loans, and Modifications

. Coordinated all applications and files

. Ordered and processed title certificates, flood certificates, mortgage

insurance, and appraisals

. Liaison for brokers and applicants concerning loan status

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