Charlotte A. Irby

*** ********** ***

Oak Point, TX 75068

Phone: 601-***-****

Summary:

Mortgage Default (SPOC) Collector and Acquisitions Specialist of 16+ collected years in collection, customer service, and analyst. Strengths includes managing high production task with attention to quality and strong commitment to customer service. Excellent time management skills, detail orientation, commitment to accuracy, and quality. Effective leadership skills, team player, and ability to multi –task.

ACADEMIC:

The University of Livingston Livingston, AL August 1987-December 1990

Concentration: Business Administration/Computer

Jones County Junior College Ellisville, MS August 1985-May 1987

Associates in Computer Science

WORK EXPERIENCE:

Acquisition Specialist

Regions Financial Corporation Hattiesburg, MS October 10, 2016 – August 31, 2018

Coordinate due diligence for sales & purchases loans

The on-boarding & off-boarding of single bulk or flow servicing loans and/or whole in sales or purchases.

Ensure all required notices and processes are followed in order to comply with Real Estate Settlement Act, Truth in Lending Act, and Fair Debt Collection Practices Act requirements.

Review legal documents for incoming purchase loans and outgoing loan sales.

Compile pertinent information pertaining to the purchase of loans.

Review documents received and comparing data from the previous servicer to ensure things are accurate.

This is to include but not limited to: appraisals, credit records, flood certificates, verify insurance, taxes, deeds of trust, surveys, etc.

Assist in preparing loan purchase documents.

Provide general office support including, but not limited to, filing, phone duties, copying, faxing and scanning.

Perform duties in addition to those listed above as the need arises.

Senior Mortgage Default a.k.a. S.P.O.C. (Single Point of Contact)

Regions Financial Corporation Hattiesburg, MS January 22, 2002- October 7, 2016

Collect delinquent payments, working with customers to prevent foreclosure while minimizing the company interest losses.

Contact delinquent customers by telephone and/or mail for payment arrangements; must obtain and document reason for default on loans.

Answering and making inbound/outbound calls averaging 150 -200 per day, assisting customers with questions regarding their account or transferring them to the appropriate department.

Review delinquent loans averaging 150 - 200 per day to ensure all loss mitigation efforts are taken prior to proceeding to foreclosure.

Reviewed and approved payments to be posted.

Knowledge in familiarity with current mortgage compliance laws and regulations.

Mortgage Banking Production Supervisor

Regions Financial Corporation Hattiesburg, MS April 16, 2009-April 2010

Overseeing 15-20 employees’ job performance, which includes but not limited to: monitoring their incoming and outgoing phone calls.

Scheduling alternant shifts

Interview for employment

Held bi-weekly meetings to discuss production and expectation.

SPECIAL SKILLS:

Business/Office Manager

Customer Service/Public Relations

10 Key-Data Entry/Processing

Word Perfect/Windows 8/Microsoft Word/Microsoft Office/Microsoft Works/Excel/Windows XP

Mainframe Terminal, MSP, Black Knight

References provided upon request.

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