Ernest Gregory Hall acyana@r.postjobfree.com

** ***** ****** * *******, New Jersey 08618 s 609-***-****

Summary of Qualifications

Highly skilled Professional with exceptional organizational and problem solving skills.

Ability to develop, maintain, and strengthen business relationships with clients.

Remains poised when handling difficult customer situations.

Critical thinker and adept negotiator who can effectively accomplish goals with creativity and timeliness.

Resourceful and flexible team player able to adapt to changing priorities and maintain a positive attitude.

Core Skills

Customer Relations

Loss Mitigation

Financial Analysis

Leadership

Credit and Collections

Compliance

Dispute Resolution

Communication

Loan Servicing

Account Management

REO/Asset Management

Organization

FDCPA Regulations

Foreclosure & Forbearances

Negotiation

Professional Experience

PHH CORPORATION- Mount Laurel, NJ

Respa QA Analyst, December 2015 – Present

Analyze business and system requirements, create and execute detailed test plans and verify bug fixes.

Use Quality Center for repository, reporting and tracking bugs and providing updates on resolved bugs.

Fee Special,

Works with closing agents, 3rd parties, and loan processors to gather, input, and evaluate information to create the Closing Disclosure (CD) document and ensure that respa, QM/HOEPA requirements are met.

Manage a pipeline of loans as they move through the process from registration the funding.

Review fees and information collected and enter it appropriately into the system based on specific parameter.

CENLAR FSB Ewing, NJ

Compensatory Specialist, May 2013 – July 2015

Complies with Fannie Mae, Freddie Mac, FHA, VA and other private loan programs to service delinquent mortgage accounts in accordance with client, investor and insurer regulations.

Researches and resolves homeowner daily inquiries in regards to Loss Mitigation, Foreclosure, Bankruptcy, Real Estate Owned status and other processes.

Provides assistance to borrowers and authorized third parties in an effort to obtain a promise to pay, payment plan or discuss the loss mitigation process.

Acts as the single point of contact to ensure no gaps in the loss mitigation process by monitoring and collecting all paperwork for workouts.

Utilizes New Trak Express system to obtain attorney fees/costs and status of foreclosure action for negotiating workouts.

BANK OF AMERICA/AEROTEK Wilmington, DE

Short Sales Asset Manager, February 2012 – December 2012

Maintained extensive knowledge of guidelines and timeframes related to processing short sale to ensure compliance.

Reviewed and analyzed borrower’s financial documents, such as financial statement, hardship letter, tax returns, bank statements, pay stubs, listing contracts, agreement of sales, closing costs, settlement sheets and credit bureau reports for approval of short sale.

Communicated with title companies to produce and estimate of what the bank will receive upon sale after all expenses are incurred (HUD-1).

Worked with agents, title companies and borrowers through both written and oral negotiations in an attempt to mitigate foreclosure/REO avoidance/losses.

Negotiated between 1st and 2nd lien holders to get 2nd lender to release lien.

CENLAR FSB/AEROTEK Ewing, NJ

Loss Mitigation Specialist, June 2009 – October 2011

Worked with borrowers, real estate agents, investors, and clients, both written and orally through workout negotiations in an attempt to mitigate foreclosure/REO avoidance/losses.

Analyzed and reported estimated loss via the loan workout vs. REO loss.

Worked closely with Supervisor to determine and implemented loss mitigation techniques inclusive of but not limited to, short sales, loan modifications, special formal forbearance, plans, deed-in-lieu’s, hardship assumptions and partial claim payments.

Maintained extensive and up to date knowledge of Investor/PMI/Government (FHA/VA) servicing guidelines and requirements and implemented loan workout techniques.

Transmitted workout loan summary particulars to FNMA/FHLMC and routinely follows up for the decision. Disbursed payments to various vendors associated with Loss Mitigation activities.

COMCAST Trenton, NJ

Communications Technician, July 2007 – May 2009

Established communications systems by installing, operating, and maintaining communications network circuits and equipment.

Planned network installations by studying customer orders, plans, manuals, and technical specifications; ordering and gathering equipment, supplies, materials, and tools, assessing installation site.

Established networks by running, pulling, terminating, and splicing cables; installing communications equipment; establishing connections; programming features; establishing connections and integrations; following industry standards.

Verified service by testing circuits and equipment; identifying, correcting, or escalating problems.

Maintained network by troubleshooting and repairing outages; testing network back-up procedures; updating documentation.

MCGRAW HILL Hightstown, NJ

Accounts Receivable Representative, July 2002 – June 2006

Identified account risks, potential credit problems, disputes, and other customer issues.

Generated reports and communicates potential risks to Division Accounts Receivable Supervisor.

Contacted customers regarding invoices / accounts which are past due.

Provided information as requested in order to facilitate a quick remittance and obtain future pay information.

Prioritized portfolio so that collection efforts result in maximum benefits.

Education

Business System Technology Certification, Mercer County Vocational Technical School, Ewing, NJ

Microcomputer Technology, Mercer County Community College, West Windsor, NJ – In Progress

Computer Skills

Microsoft Office, MS Word, MS Excel, PowerPoint, MS Access, MS Outlook, Time Management, Lawson

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