Carol St. Aubin
Bloomfield Hills, MI 48301
**********@*******.***
Objective
. To obtain a Customer Service position where my leadership skills can
be utilized to improve customer satisfaction
Qualifications
. 17 years of customer service experience
. Adaptable, flexible to ever-changing environments
. Excellent written and verbal communication skills
. Detail oriented
. Excels in team or independent environment
. Excellent multi-tasking and organizational skills
. Punctual and dependable
. Problem solver
. Self-starter
Employment History
Current (2010 - present) Quicken Loans, Detroit, MI
Escrow Analysis - December 2012 - present
. Research loans to review escrows for overages and shortages
. Review and upload documents into Epic
. Communication with Customer Relations, Client Resolutions, Default
Teams
. Set tasks for Insurance or Tax Teams
. Work various tasks to: add escrow accounts to client's loans per their
request, delete escrow accounts, spread shortages, analyze force
placed insurance or taxes loans, analyze loans in bankruptcy, work
exception report.
Escrow Specialist - May 2012 - December 2012
. Reconciliation of HUD/FHA monthly mortgage insurance premiums
. Quarterly FHA vs. Quicken portfolio audit
. Process refunds/determine who gets the refund (client, investor or QL)
. Terminations of mortgage insurance when client's LTV reaches 78% or
below
Banker Licensing Underwriter - June 2011/April 2012
. Review banker's license application to determine what information is
required to supplement application so process for licensing in each
state can move forward
. Review credit history to determine eligibility based on state
specific criteria.
. Analyze criminal background and court documentation to ensure
compliance with state regulations.
. Follow up correspondence with bankers, leaders and state examiners
Home Preservation Specialist - Oct. 2010/June 2011
. Reviewed and analyzed all documentation submitted by borrowers to
ensure accurate, updated and necessary forms were present and orderly
before presenting to PMI for final loan modification
. Created and updated Excel spreadsheets to track lead conversion
. Assisted agents in verification of complete packages
. Reached out to borrowers to obtain additional information to complete
financial package
. Followed up with PMI to verify receipt of packages and confirm
compliance with government regulations, etc.
. Obtained additional documentation if necessary after proposing to PMI
2009-2010 Colwell Salmon - GMAC Mortgage, Livonia, MI
Call Center Supervisor
. Managed a team for IB/OB campaigns in loan resolution, collections,
loan modifications and loss mitigation
. Monitored calls to ensure government regulations were being met
. Coached agents to ensure 95% and above quality assurance
. Achieved targets on average handle and wrap times
. Mentored/trained new Supervisors and team leads
. Originated numerous spreadsheets for tracking attendance, quality,
production and agent breaks/lunch schedules
. Monitored campaign/account-based performance reporting and calls
2007-2009 Ancor Information Management, Troy, MI
Project Manager
. Managed numerous clients in a deadline driven environment of the
HEALTHLOGIX division (largest including Blue Cross Blue Shield and
HAP)
. Took client specifications to receiving data to final mail product
. Worked closely with internal departments (IT, Warehouse, Operations)
to ensure jobs were on schedule and meeting quality
procedures/policies
. Managed clients inventories
. Implemented client directed changes and urgent requests
. Assisted in training CSR's on updated and new procedures
. Assisted production floor during open enrollment
1993-1996 Flexible Plan Investments, Bloomfield Hills, MI
Director of Operations - Annuity Price Center
. Managed team in start up call center on IB/OB campaigns
. Tracked share price fluctuations and market performance
. Generated spreadsheets/reports for presentation for analysis of client
portfolios
. Coached/trained new agents
. This was a new position/promotion created for me based on performance
Account Representative - Flexible Plan Investments
. Assisted clients with portfolios, choosing funds
. Recommended funds based on individual client goals
. Consulted with mutual funds regarding client objectives
. Implemented new software
1987-1992 Chrysler - JJIAC
Assistant to CFO
. Implemented policies/procedures for Body Engineers
. Supported CFO in all areas including correspondence, meeting agendas,
spreadsheets, travel arrangements and organizational charts
. Assisted department heads with administrative duties
1996-2007
Stay-at-home-Mother
. Part time work on a consulting basis for APC and Comp-U-Time
. Managed finances and budget
. Organized appointments, schedules, activities of 2 children
. Maintained all household responsibilities
. Volunteered for 5 years in schools Media Lab, Computer Lab, Publishing
Center, Writer's Workshop and Reader's Workshop
. Additional volunteer work including Franklin Co-op Preschool,
Focus:HOPE and First United Methodist Church
Operating Systems
. Microsoft Excel, Word, Outlook, Powerpoint, Adobe Acrobat, LPS, Epic,
FHA Connection, Pacer, NMLS
. Great Plains
Education
UNIVERSITY OF MICHIGAN, Ann Arbor, MI
Bachelors Degree English/Business