Sales Manager
Resume:
John W. Rutherford
Jacksonville, Florida 32210
*****@*********.***
Objective: Specialized responsibilities leading to middle management position in mortgage
banking or consumer financial services. Areas of specialization including but not
limited to Loss Mitigation, Banking and Finance, Customer and/or Accounting
Servicing, Loan Origination or Sales and Acquisitions.
Areas of Proficiency:
Loss Mitigation: Proven skills in consumer finance, accounting,
collections/recovery and negotiation which has resulted in above average, creative
strategies towards reducing or eliminating lender, insurer or investor losses in
mortgage backed instruments and all types of consumer loans. Where appropriate,
modifications are approached with attention to details inclusive of capitalization
requirements, rate enhancements and all service requirements to ensure superior
lien protection.
Foreclosure: Process knowledge with ability to expedite workouts of delinquent
cases or initiate foreclosure activity to the completion of REO sales, Pre-
foreclosure and post foreclosure activity inclusive of protecting creditors in under
secured and unsecured cases.
Experience:
Chase Jacksonville, FL
March, 2008 to November, 2011
Underwriter of mortgage backed securities for FNMA some FHLMC. Attention to
Detail of possible foreclosure, calculate income, and order property value. Evaluate
loans for possible workout solution. Making sure all docs are in prior to
underwriting of loans.
ADT Jacksonville, FL
October, 2007 to February, 2008
Collector of all past due accounts 30-180 days. Responsible for negotiation for
payments. Ordering of research for misapplied payments, handling escalation of
accounts, getting payments by telephone and allotment for research of accounts.
CSI – Crowley Jacksonville, FL
May, 2006 to February, 2007
Handling accounts of business customer’s, resolving customer issues with
accounts payable and internal audit of invoices. Follow up on tariff and rate issues,
calling business customers on delinquent invoices of ocean freight bills, demurrage
invoices, faxing statements and invoices upon customer’s request.
Fidelity National Financial Jacksonville, FL
Account Manager October, 2003 to April, 2006
Responsible for handling all 30-180 day delinquent accounts. Responsible for
collections of all accounts, including settlements. Handling of all charge off and
write off to cure deficiency balance. Responsible for all lien satisfaction of all post
closing of accounts.
Americredit Jacksonville, FL
Collector April, 2003 to October, 2003
Responsible for all collection of 5-30 days accounts.
Bank of America Jacksonville, FL
Collector September, 2000 to April, 2002
Mortgage collections in specialized delinquency areas of all 30-60 day past due
accounts.
Homeside Lending Jacksonville, FL
Collector February, 1998 to August, 2000
Responsible for collections with 600 MM portfolio and senior collection duties.
Speed pay and specialized functions to cure case by case account default.
Education: N. B. Forest High School Jacksonville, FL
Diploma
References: Available upon request
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