Customer Service High School

Takiyah Hixon

*** * **** ****** #***, San Bernardino, CA 92404 Cell: 909-***-**** *******.*******@*****.***

Professional Summary Mortgage Banking professional with over 7 years in Loan Servicing, performing Loss Mitigation, Collections, in addition to experience in Mortgage Origination; who's seeking a challenging position in proven skills in interpretation of documents, problem solving, urgency to achieve monthly goals, and analysis for making good business decisions.

Experience J.P. Morgan & Chase September 2012 to November 2013 Home Loan Consumer Direct Sr. Loan Processor Irvine, CA

Managed a pipeline of 50 plus loans a month.

August 2010 to September 2012 J.P. Morgan & Chase Collector/ Loss Mitigation Specialist Irvine, CA

Organize and prioritize assigned loans based on various factors, including date of most recent contact.

August 2006 to August 2010 WellsFargo Home Mortgage Collector

Reviewed credit report for fraud and delinquency history.

Complete monthly trainings on Federal and State regulatory laws, and specifics.

Order Credit Report, Appraisal, and Title Reports; in addition, to reviewing these items for any discrepancies.

Worked with third parties vendor in clearing title issues such vesting, subordinations, and prior to closing requirements.

Submit mortgage loan application file for underwriting approval.

Monitor and record data regarding status of loan via excel; along with weekly email updates to Mortgage Banker.

Check applications for completeness and accuracy.

Verified employment and income history.

Monitor file aging for HMDA compliance manage reporting Release files to the Underwriting department

and operations

Work with title companies to obtain estimated fees to create a good faith estimate and generate the preliminary loan package.

Review appraisals, review and clear titles, order payoff statements and home owners and flood insurance.

Generate outbound calls to delinquent borrowers who may be currently in foreclosure or who are considered high-risk.

Documented account activity for collection.

Monitored all delinquent accounts.

Analyzed loss mitigation strategies and made recommendation if required.

Developed strategies to convert delinquent customers to current.

Ensured optimal level of customer service at all times.

Tracked all required documentation to assure processing time frames are being met and update system with the status.

Verbally updated borrowers financial information to determine the best work out option.

San Bernardino, CA

Collections on delinquent mortgage accounts ranging anywhere from 30 day to foreclosure status.

Education

2006 Zupanic High School High School Diploma Rialto, CA

Responsible for receiving incoming collection calls, and make outbound calls in order to negotiate.

Intake borrower financial information to establish secure payment arrangements.

Analyzed loans to determine best course of action to protect company's interest and resolve delinquency issues.

Develop strategies to convert delinquent customers to current.

Ensured optimal level of customer service at all times.

Secure all payments possible while adhering to the FDCPA State Regulations.

Listening carefully, probe for additional details and ask targeted questions to gather information

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