Customer Service Account Executive

Elaina R. Cahill

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

702-***-****

Garland, TX 75040

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

Career Profile

Meticulous wholesale, broker, banking and loss mitigation experience.

Excellent at multi-tasking and working under pressure. Success in customer

satisfaction and education. Broad industry experience including

management, mortgage underwriting, processing, originating, banking fraud

and loss mitigation.

Core Competencies

. Customer Service and Education

. Management, Leadership, Training and Team Building

. Expert Prioritizing

. Ambitious with Sturdy Problem Solving

. Trainable / Cross Trainable

. Type 75 WPM

. FHA / VA

. Conventional / Hard Money

. Construction to Permanent

. FNMA / FMHLC

. Loss Mitigation

. Fraud Investigation

. Expert computer skills

. Expert 10-Key

Professional Development

Completed Course: ACFE - Fraud 2009

Associates of Science: AIU - Business Admin 2008

Completed Courses: CCSN - Real Estate 2005

Completed Courses: CCSN - Entrepreneurship 2005

Career Snapshot

Processing / Underwriting

. Top producer for multiple months

. Nominated "Go-To" and Team Leader

. Cross trained in closing, funding, quality and front desk

. Processed for branch manager

. Processed for +/- 20 originators

. Maintained quality of 94% or better

Loss Mitigation

. Management

. Created and updated Standard Operating Procedures

. Maintained quality of 96% or better

Fraud

. Perfected criminal report layout

. Perfected statistic charts for monthly meeting

. Trained branch employees on red flags

Professional Experience

Senior Loss Mitigation Negotiator 10/2011 - 05/2012

Atkinson & Watkins Law Office Las Vegas, NV

. Manage and train team of negotiators

. Update and implement Standard Operating Procedures

. Complete pipeline goal of 100+ files within a 90 day period

. Establish and maintain customer rapport

. Take ownership of problem files

. Liaison for bank, customer and attorney

. Educate client of credit needs and potential effects of programs

. Calculate income and debt ratio

. Negotiate new terms of mortgage, terms of settlement or sale

. Audit files

Senior Underwriter, Loss Mitigation 06/2011 - 10/2011

JP Morgan Chase Fort Worth, TX

. Decision files for modification

. Automated Underwriting for FNMA, FMHLC, USDA and Conventional

. Work with and educate processor / borrower for items needed

. Complete pipeline goal of 5 file decisions daily

. Calculate income and Debt to Income Ratio

. Verify all documents meet program guidelines

Mortgage Loan Coordinator III 10/2010 - 06/2011

Citimortgage, INC. Irving, TX

. Establish and maintain customer rapport

. Complete pipeline goal of 50+ files within a 45 day period

. Liaison for underwriter and customer to obtain items to decision and

fund files

. Analyze credit and calculate income and debt ratio in compliance with

program guidelines

. Interact with 3rd party vendors to complete files (i.e. insurance,

title, appraisers)

Senior Loss Mitigation Negotiator 06/2009 - 10/2010

Law Office of Troy Atkinson Las Vegas, NV

. Manage and train team of negotiators

. Create, update and implement Standard Operating Procedures

. Complete pipeline goal of 100+ files within a 90 day period

. Establish and maintain customer rapport

. Take ownership of problem files

. Educate client of credit needs and potential effects of programs

. Calculate income and debt ratio

. Negotiate new terms of mortgage, terms of settlement or sale

Fraud Investigator 04/2008 - 06/2009

Nevada Federal Credit Union Las Vegas, NV

. Train branch staff on fraud

. Conduct investigations and complete reports on parties that defrauded

or were defrauded

. Work directly with LVMPD, DA Office, management and other banking

fraud departments

. Interview applicable parties to assist in completion of criminal and

fraud reports

. Analyze credit, loan applications, Teletrax, Experian Social Search,

Chex Systems and banking history for potential fraud

. Pull surveillance to supplement reports and upon request

. Organize monthly management meetings

Mortgage Processor 09/2006 - 09/2007

The CIT Group Las Vegas, NV

. Establish and maintain rapport with broker

. Complete pipeline goal 45-50 files monthly

. Liaison for Account Executive, underwriter and broker

. Educate broker on conditions needed to complete file

. Calculate income and debt ratio and complete net tangible benefit test

. Draw loan documents

. Work with Title / Escrow to balance and close loans

. Order wire for funding

. Audit files

Loan Processor 06/2005 - 08/2006

First Magnus Financial DBA Charter Funding Las Vegas, NV

. Establish and maintain rapport with customer

. Complete pipeline goal of 35-50 files monthly

. Process for 5 Account Executives, including branch manager

. Liaison for Account Executive, broker and underwriter

. Educate broker on conditions needed to complete file

. Calculate income and debt ratio

Loan Processor 05/2004 - 06/2005

All Western Mortgage Las Vegas, NV

. Establish and maintain rapport with customer

. Complete file goal of <45 days

. Process for +/- 20 originators

. Liaison for underwriter, funder, originator and customer

. Educate customer and originator on conditions needed

. Calculate income and debt ratio

. Work with 3rd party vendors to complete files

Contact this candidate