Cheryle S. Jacobs

ac5lrc@r.postjobfree.com 214-***-****

OBJECTIVE

Seek an associate position, utilizing skills acquired through experience/training and use them in a position that provides an opportunity for growth and advancement. SUMMARY

Over ten years of experience and knowledge in customer service, underwriting, financial analysis, strong organizational skills, communication and data entry skills, and the ability to interact with others on a professional level. PROFESSIONAL EXPERIENCE

CitiFinancial Mortgage, Irving, Texas

Loss Mitigation Negotiator September 2008 May 2016 Specialize in short sales, settlements, HAFA and Foreclosures, DIL Review customer income and expenses to determine strategies to resolve delinquency

Answer inquiries from customers regarding status of loss mitigation, loan modification, short sales and foreclosure process

Perform credit and property analysis on conventional and government loan files submitted within the time frame established by departmental management Underwriting/signing authority up to $900k

Review and analyze credit reports to make informed decisions Communicate with customers, realtors, Brokers, Attorneys, and Title companies regarding financial matters to resolve accounts

Secondary Market - Underwriter May 2005 - December 2007 TL, properly disclosed and balanced against HUD, per CitiFinancial guidelines Loan documents are complete, properly executed, and enforceable Determine that loan is within tolerance levels for high cost fees per Federal, State, and Local guidelines

Underwrite for compliance to CitiFinancial loan initiatives Verify presence of RESPA Docs, and proper completion of state specific disclosures

Verification of chain of title and title work is complete Hazard & Flood insurance are in effect and is of sufficient coverage ID of escrow accounts, along with verification of escrow balance, and determination of tax and insurance status

List all necessary action to bring account into compliance for Extensive travel throughout the country

Provided guidance to selling institution in regards to CitiFinancial Initiatives and, our interpretation of Federal, State and, Local guidelines Experience

QC Analyst II

State Examinations/Internal Audit

Sr. Compliance Analyst

Fraud Specialist

Loss Mitigation Specialist

Education

North Texas State University, Denton, Texas Area

of Study: Marketing

Computer Learning Center, Garland, Texas

Area of Study: Information Systems

Skills

Windows Vista, Windows 10

Microsoft Office 2008 products

DRI, Venderscape, Citilink

Aims, MortgageServ

Peoplesoft

Metronet & Fastdata RDS,

CACS

Filnet & Citrix

Document Direct, infoPac, CA Doc View

ACS, Paragon Imaging Systems

Various Underwriting Programs