Mortgage Banking Professional and CAMS Certified
Resume:
CRYSTAL J. CONNER
Grand Prairie TX 75052
https://www.linkedin.com/pub/crystal-conner/23/598/911
EMAIL: **********@*****.*** MOBILE: 972-***-****
MB RESEARCH OFFICER/CAMS
Accomplished and successful Financial Services Professional with progressive and diverse experience in mortgage banking including Loss Mitigation, REO asset management, research, anti-money laundering and operations. Subject matter expert in all areas of default mortgage. Instrumental in mitigating loss of millions of dollars during foreclosure trial hearings, depositions and mediations achieved by disciplined approach to sound decision-making and problem solving. Recognized as employee of the month and division on several occasions. Knowledgeable in and certified anti-money laundering specialist with the ability to multi-task, excellent attention to detail, and a solid understanding of risk factors. Recently Licensed Claims Adjuster, as well. Interface with all levels of management, legal executives and outside legal counsel. Work well independently or in a team environment with the ability to adapt with changing business needs. Areas of expertise include:
Mortgage Default / Certified Anti-Money Laundering Specialist/ Analytical &Problem Solving/ Default Litigation/ Fraud Detection/ Borrower Education/ Resource Utilization/ Problem Solving / Strategic Analysis
Research / Negotiation /Policies & Procedures/ Compliance
PROFESSIONAL EXPERIENCE
JPMorgan Chase, Lewisville, Texas 2007 to 2015
MB Research Officer/Default Litigation 05/13 to 3/15
Member of a select group of Chase employees recruited to represent the bank at hearings, trials, mediations and depositions
Collaborate and work closely with several levels of management, in-house counsel and appointed outside counsel
Execute sound business decisions and exercise good judgment so not to compromise the bank, its Affiliates, representatives or the customer
Maintain good working relationship with all product lines (Prime, Subprime & HE)
Based on strategic analysis, recommended solutions and provide feedback to management
Homeownership Advisor 04/11 to 05/13
Met face-to-face with distressed homeowners
Maintained compliance with all guidelines of retention or liquidation options
Act as a Single Point of Contact (SPOC) between borrower and underwriter
Initiated and facilitated verbal and written communication with borrowers and management at all levels
Review the borrower's assets and debt to income ratio, debt payment history, employment history and the borrower's sources of income
Reviewed FHA, HMDA, Federal, State, TILA, RESPA, Fair Lending, AML/ BSA and HAMP Guidelines & Compliance rules are enforced
REO SENIOR ASSET SPECIALIST 07/09 to 04/11
Monitor assigned accounts and follow up with suppliers and Asset Managers
Ensure properties are listed in a timely manner
Assist or correct any issues (evictions, titles, bankruptcy, foreclosure)
Recognized for completing all assigned loans on a daily basis
SHORT SALES SPECIALIST 03/08 to 07/09
Negotiated with authorized third parties and borrowers on offers
Research and analysis of BPO’s and market value of property to determine if offer is the best option for customer and organization
LOSS MITIGATION SPECIALIST 01/07 to 03/08
Negotiating and educating borrowers and authorized third parties on options for deficiency accounts
Initiated payment plans, modifications, short sales and/or Deed-in-Lieu
Crystal J. Conner Page 2 of 2
EMC MORTGAGE CORPORATION, Lewisville, Texas 2004-2007
LOSS MITIGATION SPECIALIST 08/05 to 01/07
Negotiated with borrowers and third parties on deficiency mortgage accounts
Educating borrower on available retention or liquidation options
Submitting payment plans to management
Modification request, and short sale and Deed-in Lieu request
LOSS MITIGATION SPECIALIST TEAM CAPTAIN 04/06 to 01/07
Handling escalated customer calls
Assisted team members when immediate manager was unavailable
Support for supervisors and managers in other departments with research
Exceeded expected quota for six months
Keeping assigned accounts below 30days since last worked
LOSS RECOVERY SPECIALIST 08/04 to 08/05
Recovery of deficiency balanced accounts
Hiring attorneys
Negotiation of settlements
Negotiation of sales with third parties
Closing note/short sales
TRIAD FINANCIAL, North Richland Hills, Texas 2002-2004
Loan Officer 9/02-1/04
Approval and/or denial of auto credit applications
Maintaining dealer relationships
Negotiating and closing contracts within the agreed terms
Most accounts worked on a daily basis
Citigroup, formally The Associates 1995-2002
Credit Relationship Representative 05/00 to 08/02
Loss Recovery Asset Manager 06/98 to 05/00
Senior Collector 01/96 to 06/98
Shift Supervisor 05/95-01/96
Customer Service Cross Training 03/95 to 05/95
Junior Collector 03/95 to 05/95
EDUCATION
Northwood University, Cedar Hills. Texas
Bachelor of Business Administration (BBA), Graduated 1999 – summa cum laude
Lake Michigan College, Benton Harbor, Michigan
Associates of Business Administration (ABA), Graduated 1993
Certifications: Certified Anti-Money Laundering Specialist (CAMS), April 2014
Executive Certificate in Negotiation, University of Notre Dame, October 2009
Licenses: Claims Adjuster
Technical Skills: Vendorscape, LPS Desktop, LISA, Lenderlive, MS Word, MS Excel, IVault, LSAMS, Fidelity, Sharepoint, Outlook, LexisNexis
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