Customer Service Sales

Beverley Turner

**** ****** *** **********, ** **604

P 914-***-**** cell

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

With a diverse background and over 10 of years of overall experience, I am confident and the

right candidate for the position. My experience working in a variety of different positions has

given me the wide ranging skill set and preparation I need to thrive and succeed. As a result of

my background, I've gained valuable experience and have excel in learning and adjusting to

new situations, and have become adept at handling a variety of work environments. I pride

myself on being a hard worker, and am dedicated to doing a professional job.

6/3/2013 Present Philco Properties Part Time Property Manager

Responsible for the management of out of town property owners and investors such as;

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collections of rents, showing of apartments, lease agreements, evictions and oversee

property maintenance.

Prepare REO properties for sale; cleaning, lawn maintenance (grass cutting or snow

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removal) and secure property from vandalism; boarding up, put on lock boxes, change

locks, internal and drive by inspections by taking pictures and sending the reports to the

bank who own the properties.

3/12/12 1/7/2013 – Bank of America Newark, New Jersey Foreclosure Claims Analyst

Responsible for, but not limited to, evaluating default mortgage servicing loans and files

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during the Claim Review process, to determine if all required loss mitigation activities were

handled and documented in accordance with the requirements of HAMP, proprietary

modification or other programs' requirements. Reviewed files in their entirety, and provide

a recommendation whether or not any errors, misrepresentations or other deficiencies that

may be identified in the review resulted in financial injury to the borrower or the mortgagee.

Review foreclosed loans, evaluate whether or not they were processed in accordance with

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HAMP, Proprietary Modification, Strong understanding and ability to calculate NPV(Net

Present Value) and DTI (Debt to Income)ratios or other applicable program guidelines and

requirements. Validated accuracy of fees or assessed penalties, documented loan

histories and information available from all sources to collectively determine if it validates

the home retention/loss mitigation decision.

5/31/11 3/12/12 Unemployed

5/17/10 5/31/11 Cartus, Inc Asset Recovery Consultant

Provide foreclosure avoidance assistance to clients (mortgage servicers, investors or

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mortgage insurance companies) by working with delinquent borrowers on the benefits of a

program being facilitated by Cartus for Fannie Mae. Communicated by telephone

documentation requirements to borrowers with follow up and system entry. Interacted with

investors, real estate professionals and borrowers.

Follow up with borrower and agent to obtain required documentation; coordinated ordering

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of BPO and/or appraisal and title report scheduled the final walk through.

5/13/09 5/13/10 Weissman Law Firm PLLC New York City .New York Loan Modification and

Short Sale Specialist

Restructured the Loss Mitigation Department put in place policies, procedures and

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protocol for the running of that department according to the Federal Government’s

guidelines on loan modifications and short sales.

Heavy client contact via telephone and face to face interview, processing of documents

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needed for modifications according to the guidelines of the Homeowner Affordability

Modification Program or Making Home Affordable Program guidelines.

Follow up with banks regarding process of the modifications; Short sales Interview client

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via telephone and in person, process and submitted those necessary documents that

banks require.

Internal and external inspection of property to get values to negotiate with the bank for the

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short sales.

4/14/08 5/1/09 Unemployed

3/6/07 3/11/08 Invernat,LLC –Bridgeport, CT Manager of Loss Mitigation

Managed 6 people in Loss Mitigation Department, negotiated discounted payoffs with banks, filed

appearances in court for borrowers facing foreclosures.

Interview potential clients, who wanted to stop the foreclosure process by loss mitigation,

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interact with the tax collectors' departments in different counties, the banks' attorneys' on

getting the foreclosures postponed.

Processed the paperwork that was requested by the banks for potential short sales from

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the beginning to the approval or denial stage by following up via telephone Prepared the

Hud 1 for closing statements, kept a contact log of up and coming motions, fc sale dates

and verbal communication between my department and the banks, courts system and the

attorneys offices.

1/7/07 3/6/07 Unemployed

12/05 12/06 The McIntyre Group Norwalk, CT Accounts Receivables Specialist (contract)

Applied company's credit and collection polices practices and procedures to define a portfolio of

1,172 accounts (14 states).

• Credit: exercise immediate day to day functional supervision over assigned accounts,

place and release orders on credit hold within specified guidelines determined by the

company.

• Customer Service: Act as a liaison between the sales and management departments

Initiated investigations in resolving invoice discrepancies and issues on orders reasons for

nonpayment of invoice taken by the customer service department. or reasons for

nonpayment of invoices issues and with the customer

• Collections; follow up and collect on past due receivables obtain payments or made

payment arrangements, review vendor service contracts assigned, contact customer to

determine the reason for short payments, charge backs. Prepared month end report.

3/05 11/05 Premcor Refining Group Old Greenwich,CT (Contract Temp Assignment) Credit

Representative

Review financial statements, Mood’s D&B Credit Reports & other Trade Reports) and customer

payment histories which approved of rejected credit lines.

Verified financial status of assigned accounts and made credit/collection decisions.

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Enforced the credit analyst decisions where applicable, worked closely with

marketing/sales departments to ensure commons goals were met.

Responsible for the collections and maintaining the approved credit lines of assigned

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accounts. Reconciled invoices/statements and heavy customer contact. Ensured

compliance policies, regulations and corporate systems. ies

Skills and Knowledge:

Microsoft Word, Excel Spreadsheets, JD Edwards, AS400 (I Series), FICS, Oracle, Lotus

Notes, Matrix, Right Angle, FISERV (Fidelity) Mortgageserv, Act, Lander live, LPS, MSP, I

portal, MERS, Stewart, Aacer, PowerPoint, Equator, Urban Lending, LMP, Land safe,

LAMP and Web Navigations. Knowledge of Fannie Mae, Freddie Mac, VA, FHA and Non

GSE Guidelines.

Contact this candidate