IRENE WAMAE

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

TEL: 214-***-****

E-mail:ac8jis@r.postjobfree.com

QUALIFICATION SUMMARY:

Over 11 Years Financial Services experience mostly in Mortgage Default Industry. Expansive knowledge pertaining to the regulations governing mortgage lending, backed by excellent computer skills, customer service, communication skills and the ability to handle and complete delicate situations

Expert in Lending Portal,Software LPS, Web Err, DW, Lender live Loan Sphere Desktop, CMS, Customer Care Work bench, Fotracs, LPS Desktop, Info source & Lisa. PROFESSIONAL EXPERIENCE:

JP Morgan Chase - 12/11/2015 - current

Senior Bankruptcy Specialist II

● Managing a Portfolio of Assets in Various Stages of Bankruptcy.

● Servicing inbound calls from customers who filed for Bankruptcy

● Coordinating with third Parties (Attorney's) services for Statutory Postings and Mailings.

● Ensuring Bankruptcy SLAs are met and Processed in a timely manner.

● Handling Customers Complaints and resolving bankruptcy disputes.

● Requesting reaffirmations for chapter 7 bankruptcies as requested through LPSD.

● Holding foreclosure sale dates due to bankruptcy filing. JP Morgan Chase

Mortgage Banker (Harp Refinancing)

● Informs customers of the many benefits of refinancing with Chase

● Receives inbound sales calls for HARP Refinance

● Gathers all documents required for loan approval and submit to the investor

● Makes calls to companies to obtain property abstracts, appraisals and surveys JP Morgan chase

Escalations Specialist

● Communicates with borrowers via inbound and outbound calls concerning their escalated loan modification and escalated bankruptcy requests.

● Daily communication with customers to resolve complex escalated issues and answer inquires that are received from internal Partners (help line, Executive Office)

● Investigate, resolve and respond to all Internal and external customer complaints and inquires received via phone, correspondence through mail or email.

● Work and resolve customer care and DMS Military Workbench routes which include late charges, fee disputes payment arrangement deferment or extension disputes, reinstatement or property disputes.

● Appropriately interpret company policies and procedures and when necessary sufficiently integrate the information into the response to customers.

● Provide necessary information to the customer for problem resolution, clearly explaining procedures and dealing with difficult customer interactions by focusing on problem resolution.

● Maintains contact with support areas such as Legal/Compliance (Fair Lending/Regulatory). JP Morgan Chase

Document Specialist

● Customer Service contact regarding missing or incomplete workout Documents

● Workout plan creation which includes entering system updates, creating and workout agreements to customers

● Investigate Suspicious activities on Customers’ accounts and Payment Patterns

● Comply with standards under FDCPA regulations.

● Updating system of records MSP for workout support groups, reporting activities on various levels on account status Document Specialist. JP Morgan Chase

Customer Assistance Specialist II (CAS)

● Initiate contact with Customers in default or at risk of default.

● Respond to customer inquiries regarding mortgage default cure options.

● Evaluate the customer's financial ability, intent, willingness, reason for default and ability to make payments. Apply appropriate retention or liquidation solutions.

● Follow department procedures associated with packaging and recommending of Loan Modifications. Obtaining all necessary file components including BPOs, credit reports and third-party approvals where required.

● Act on other duties assigned which include foreclosure referral, property preservation initiation, pre-qualifying stipulated and non-stipulated forbearance plans, reinstatements, and short payoffs.

JP Morgan Chase –

Loss Mitigation Workout Specialist

● Responsible for examining loan documentations for accuracy and completeness.

● Review financials and hardship information to identify the cause of default and to determine the best workout solution.

● Discuss loss mitigation options with borrowers and/or consumer groups that are appropriate depending on the borrower’s hardship, value of the property and investor/mortgage insurance guidelines.

● Verifying borrower’s credit history, to enable makes a decision on the best workout option.

● Responsible for collecting appropriate documents and verifying income documents for underwriting submissions.

● Work with Bankruptcy attorneys and foreclosure vendors to assure fees/costs, timelines and guidelines are handled appropriately and timely.

● Analysis of loan history, asset attributes, and customer contact to determine whether referral for foreclosure is appropriate.

EMC Mortgage Corporation (Bear Stearns)

Universal Agent - 05/22/2006

● Responsible for taking inbound calls on customer service issues and also making outbound calls on 1 -29 days delinquent mortgage loans utilizing dialer system

● Ensure maintenance of policies and procedures in accordance with Federal, state and corporate regulations.

● Perform all duties in compliance with Fair debt collection practice act guidelines,(FDCPA) resolving borrower issues and aid in resolving by utilizing E-Pro, Fidelity and Venture systems in a window based environment for account lookup and full documentation. Education:

Earned a High school Certificate

Earned a College Credit Diploma

Skills / Training:

Typing (40 wpm),

Keyboarding (4500 - 5000 keystrokes)

Certification in OBIEE 11G - Currently

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