DENISE M. BLACK

***** ******* **. ***** ***., Ohio 44137 216-***-**** act6rl@r.postjobfree.com

OBJECTIVE

To secure a position within your organization that provides responsibility and advancement opportunities

SKILLS PROFILE

-Excellent communication skills

-Excellent Customer Service Skills

-Excellent ability to give as well as receive educational information

-Excellent telephone etiquette

-Excellent listening skills

-Counseling skills

EMPLOYMENT HISTORY

Home Repair Resource Center

CERTIFIED FORECLOSURE COUNSELOR 7/2015-

SENIOR PROGRAMS COUNSELOR

CERTIFIED POST PURCHASE COUNSELOR

CLEVELAND HTS., OHIO

-Counseling mortgagors through the Foreclosure process

-Counseling mortgagors to prevent Foreclosure

-Providing assistance to mortgagors that are seeking foreclosure alternatives

-Contacting Banks/Mortgage companies and Attorney offices to assist mortgagors facing foreclosure

-Educating mortgagors about the Default, Foreclosure, Bankruptcy, and Loss Mitigation processes

-Attending Meetings

-Counseling mortgagors through the Foreclosure process

-Counseling Senior clients for program eligibility

-Post Purchase Counseling

Community Housing Solutions

Certified Housing Counselor

9/2012-12/2014

Cleveland, Ohio

-Counseling mortgagors through the Foreclosure process

-Counseling mortgagors to prevent Foreclosure

-Providing assistance to mortgagors that are seeking foreclosure alternatives

-Contacting Banks/Mortgage companies and Attorney offices to assist mortgagors facing foreclosure

-Interviewing and assisting mortgagors through the Hardest Hit Fund program

-Educating mortgagors about the Default, Foreclosure, Bankruptcy, and Loss Mitigation processes

-Compiling reports

-Attending Meetings

-Initiating, supporting and conducting outreach events

-Conducting First time Home buyer classes and events

-Conducting Foreclosure Intake Orientation

Home Repair Resource Center

Certified Foreclosure Prevention Counselor

5/2010-9/2012

Cleveland Hts, Ohio

-Counseling mortgagors through the Foreclosure process

-Counseling mortgagors to prevent Foreclosure

-Providing assistance to mortgagors that are seeking foreclosure alternatives

-Contacting Banks/Mortgage companies and Attorney offices to assist mortgagors facing foreclosure

-Interviewing and assisting mortgagors through the Hardest Hit Fund program

-Educating mortgagors about the Default, Foreclosure, Bankruptcy, and Loss Mitigation processes

-Attending Meetings

-Initiating, supporting and conducting outreach events

QC AuditorII

Lender Processing Services

8/2008-8/2009

Solon, Ohio

-Auditing vendor accounts for monetary discrepancies

-Auditing Property Preservation reports

Home Retention Specialist 2/2008-8/2008

AmTrust Bank

Cleveland, Ohio

-Collect on past due /delinquent Mortgage accounts

-Provide strategies to prevent foreclosure

-Initiate Loss Mitigation

Credit Dispute Analyst 10/2003-2/2008

Ohio Savings Bank

Cleveland, Ohio

-Initiated the Credit Report Dispute Claim Process

-Researched and analyzed all Credit Report Dispute Claims

-Researched and analyzed loan histories, payment histories, and account data to determine the validity of the disputed claim

_Crated and maintained a confidential file system that pertained to the dispute claim process

-Consulted with Experian, Equifax, and TransUnion when needed

-Corresponded with the mortgagor to distribute the results of the dispute claim

The Leader Mortgage Company/ US Bank 2/2001-10/2003

Property Preservation Specialist

Mortgage Collector

Cleveland, Ohio

-Return rejected mortgage payments

-Negotiate payment arrangements

-Accept payments via SpeedPay, personal checks, and money orders

-Reviewed mortgage accounts that were 90 days or more past due

-Prepared vacancy letters for vacant/delinquent properties

--Worked with Preservation companies

-Initiated the lock/secure and winterization process on vacant properties

-Reviewed and followed up on previously ordered inspections

-Assisted the preservation companies in locating properties that were difficult to find

-Reviewed Loss Mitigation Worksheets

-Initiated Loss Mitigation

-Familiar with Fannie Mae/Freddie Mac, FHA,VA, Conventional and Fair Debt Collection Practices

-Initiated the Foreclosure process

EDUCATION PROFILE

Neighbor Works University- Cleveland Ohio

Cleveland Institute of Dental/Medical Assistants-Cleveland, Ohio

Jane Addams School of Dental Assistants-Cleveland, Ohio

John Adams High School-Cleveland, Ohio

Additional Skills

-Computer Skills-Proficient in Microsoft Word, Excel, Outlook, PowerPoint

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