Customer Service Representative

Kyam A. Barnes

*** ****** ******, *******, ** ***15

Home: 716-***-**** – Cell: 716-***-****

**********@*****.***

EXPERIENCE

Seneca Mortgage Servicing LLC- Depew, NY

Customer Service Representative

April 2014- Present

• Extensive customer Service- Mortgage, Insurance, Taxes

• Verify Customers- processing monthly mortgage payments daily,Explain Escrow Overage’s & Shortage’s

• Confirming information is correct with all insurance policies (Hazard, flood, hail, wind) making sure correct

insurance premium is on file- making insurance payments- confirming policy numbers

• Validate information is correct with all taxes (County, School, City, Municipalities) confirming we are

collecting for taxes making sure tax bill is on file- making taxes payments- verifying tax I.D. numbers

• Help people logon to CCN (customer care network) reset passwords, make online payments, print billing

statements

• Call on properties that are in Chapter 7 & 13 bankruptcy- try to get a home modification, repayment plan, short

sale or DIL process started

• Process paper work for PMI removal, payoff statements & Automatic drafting (Reoccurring monthly payments)

• Upload documents to loan document folder from incoming email or faxes

M&T Bank- Cheektowaga, NY

Legal Asset Support (Foreclosure Dept)

March 2013- May 2013

• Administratively assist the foreclosure, Loss Mitigation & Bankruptcy department

• Observe legal documents that has been signed, dated and notarized by Banking Officers, Assistant VP’s & VP’s

• Ensure the document has all of the legal ramifications meet by each firm for Court

• Calculate daily, weekly and monthly, documents being executed for each law firm using Excel

• Answer phone calls, e-mails, faxes, and mailing legal documents with tracking abilities

• Use LPS- to distribute and execute legal documents for multiple Law firms nationally

Bank of America- West Seneca, NY

Mortgage document research Analyst

May 2012- November 2012\

• Analyst of Mortgage Documents for Government Sponsored Enterprises

• GSE (Government Sponsored Enterprise’s) offered programs such as HAMP (Home Affordable Modification Program) &

HAFA (Home affordable foreclosure Alternatives)

• Providing customers with home loan modifications and foreclosure alternatives

• Collecting all the necessary documents needed in order to qualify home owners for loan modifications or go through the

process of Special Forbearance

• Analyzing customer debt to income ratio & Capital liquid assets using all sources of customer’s house hold income

HSBC Mortgage Center- Depew, NY

Administrative Bank Research Analyst

April 2011- November 2011

• Mortgage Analyst- Analyzing a customer mortgage status

• Drafted legal complaints, summons and interrogatories- 418 (bankruptcy petition letters), 438 (Adjustable rate modification

letters), 840 (Removal verification letters) & 415 (Adjustable rate audits)

• Balanced USURY spreadsheet for the mortgage payoff note- including monthly fixed and adjustable rate mortgage as well

as Balloon payments, Researched for all legal documents with loans- warranty deed, substitute trustee’s deed, assignment

of mortgage, full reconveyance, HUD 1 statements, satisfaction of mortgage

• Analyzed and Distinguished mortgage status: PIF (paid in full), SS (short sales), C/O (charge off), DIL (deed in lieu), REO

(real estate owned), or foreclosure process, Contacted and ordered legal documents form attorney’s office and Erie County

Clerk’s office

M&T Bank- Buffalo, NY

Loss Mitigation Analyst

December 2010- March 2011

• Loss Mitigation Analyst- examine & release collateral documents- look for any assets that could be liquidated

Kyam A. Barnes

319 Martha avenue, Buffalo, NY 14215

Home: 716-***-**** – Cell: 716-***-****

**********@*****.***

• Collaborated with UCC- Uniform Commercial Code- for lien’s recorded on non-real estate collateral,

continuations/terminations, Examined and seized securities- trust accounts, brokerage accounts, physical securities- pledge

of a personal securities account or stock certificate as collateral

• Seized life insurance policies, vehicle liens recorded by DMV, Deposit accounts- pledge of M&T, CD or DDA as collateral

ACCOMPLISHMENTS

March 2014- NOTARY PUBLIC LICENSE

Paralegal services of Buffalo (Internship)

15 week Internship Certificate

June 28th, 2010

• Filing summons & complaints, deeds, mortgage’s, RJI’s,

• District court filings, D/C criminal & civil Searches, Social Security filing

• Filing a tenant action, BCC criminal record room, criminal record searching

• Filing wills for safe keeping, submitting documents to guardianship

• Transcription dicta phone experience, Using surrogate Ct. Index computer

• Work with the Erie County Clerk’s Office, Surrogates/Supreme Courts, Bankruptcy Court & Buffalo City Court

SUNY BROCKPORT

Brockport, NY 14420

Bachelors of Science

Business Administration

Concentration in Pre- Law

Kyam A. Barnes

319 Martha avenue, Buffalo, NY 14215

Home: 716-***-**** – Cell: 716-***-****

**********@*****.***

REFERENCES

1. KELLY NEIBERG, (LEGAL ASSISTANT) AT ( M&T BANK), 716-***-****)

2. STEVE BRESLAWSKI, (PROFESSOR ) AT (THE COLLEGE AT BROCKPORT STATE UNIVERSITY OF NEW YORK), (********@*********.***) 585-***-****)

3. ANITA GARCIA, (EOP COUNSELOR) AT (THE COLLEGE AT BROCKPORT STATE UNIVERSITY OF NEW

YORK) (*********@*****.***) 585-***-****)

4. KAREN KRUEGER, (HR MANAGER) AT (K- MART CO.- CHEEKTOWAGA NY, 14225), (716-603-

6716)

5. RODNEY MONTGOMERY (VICE PRESIDENT) AT (PARALEGAL SERVICES OF BUFFALO NY, 14202)

716-***-****) (****@********.***)

Kyam A. Barnes

319 Martha avenue, Buffalo, NY 14215

Home: 716-***-**** – Cell: 716-***-****

**********@*****.***

Contact this candidate