Customer Service Microsoft Office

Freddy Carraway

*** **** ***** ****, ******, TX *5039 C: 469-***-**** *************@*****.***

PROFESSIONAL SUMMARY

Driven finance and banking professional effective at maximizing customer service opportunities while

exceeding individual performance goals. Loan Counselor skilled at working independently under tight

deadlines. Trained in entry-level management leadership and customer service.

SKILLS

Goal-oriented Practiced at FHA loan process

Flexible Risk management assessments

Self-sufficient Inventory management

Excellent work ethic Proficient in 10-key

Team player Financial analysis aptitude

Cheerful demeanor Complex problem solving

People-oriented

Positive attitude

WORK HISTORY

Loss Mitigation Specialist, 11/2015 to 11/2017

Ditech – Irving, TX

Compiled database of loan applicants credit histories, corporate financial statements and other financial

information.

Maintained strict confidentiality of bank records and client information.

Recommended loan modification approvals and denials based on customer application for modification

reviews.

Pulled daily reports.

Systems: LPS/MSP, Black Knight, Early Resolution. Microsoft Office features

Litigation and BK Specialist - Loan Analyst, 12/2006 to 09/2015

Ocwen (Formerly GMAC) – Addison, TX

Corresponded with attorneys as a mediator throughout the foreclosure process on litigated and bankruptcy

loans to assist with avoiding larger losses. Processed short sales, deed in lieu, modifications, reinstatements

and repayment plans to assist with avoiding loss ratios on litigated and bankruptcy mortgages.

Worked directly with Property Preservations in cases of abandoned properties Worked directly with attorneys

to reach these settlements. Started and completed the charge off and write-off process when unable to reach

any other solutions.

Property Preservation: Oversaw and delegated property clean up and repair for city compliance Addressed

code violations Distribution for Workable Reports

Liquidated REO assets by negotiating with realtors/brokers and 3rd parties. Completed timely follow ups and

maintained organization. Completed monthly projects and presentations

Systems: Fiserv, MSP/LPS, Microsoft Office features

Loss Prevention, 08/2005 to 12/2006

Santander Consumer USA – North Richland Hills, TX

Auto collections from 30 days delinquent to the point of repossession or charge off. Made outbound and

received inbound calls as well as skip traced as needed. Systems used Speedpay, AS400 and Excel.

Backend Loan Services, 08/2004 to 09/2005

EMC Mortgage – Lewisville, TX

Backend collection of delinquent mortgage payments from 60 days to foreclosure status. Collected funds on

delinquency by reinstatement or workout referral to Short sale or Modification division. Systems used:

Speedpay and Early Resolution

EDUCATION

Associate of Arts: Business Administration, 2012

Cedar Valley College - Lancaster, TX

ACCOMPLISHMENTS

Repeatedly commended by superiors for excellent customer service.

Received “Employee of the Quarter” service award in March 2016.

CERTIFICATIONS

FDCPA

HAMP

FHA

VA

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