Terry L. Kinds

Senior Mortgage Loan Closer - Operations Specialist - Reconvey Specialist -

Customer Service Senior Collector

Offer excellent analytical, problem solving and communication skills. Demonstrate attention to detail regarding workflow processes and keen organizational skills while managing high-volume workloads.

- Core Skill Areas -

Excellent verbal and written communication skills

Proficient with Microsoft Office, Excel, Word and Lotus Notes Flexible in changing environments

Excellent Customer Service skills

Attention to details

Organizational Skills

PROFESSIONAL HIGHLIGHTS

Olympic Steel

Collection Analyst - December 2022 - Present

Collecting on division book of business to mitigate losses to the company. Collected and negotiated on delinquent invoices, along with continuing to negotiate with those customers to help and continue to maintain and build relationships with those customers. Also assisted with Account Receivable to favorably balance company books by providing appropriate reports to management. JP Morgan Chase Bank

Client Care Specialist II - September 2020 - December 2022 Responsible for managing and processing mortgage loans in the Long Island, NY area. Input closing information for processing including review of final documents, processing and scheduling closing times and locations with title closing agent and buyer. Confirm appropriate signed signatures and dates on closing documents and assist in navigating documents to appropriate departments for filing. Airgas - Independence, Ohio

Collection Specialist - March 2019 to September 2020 Manage a portfolio of customers to resolve past due invoices. Correct invoice issues such as inaccurate purchase order numbers, pricing issues and invoices delivered in error. Provide logistic accuracy relating to customers order count and verifying correct delivery of cylinders at assigned locations. Responsible for driving down open Account Receivable balances based on accuracy reports provided to management.

Safeguard Properties - Valley View, Ohio

Client Operations Specialist - August 2017 to March 2019 Work with FNMA to return properties back to marketable condition. Managing excessive fee reports for review by FNMA for reimbursement. Audit vendor orders to assure repairs are completed per FNMA requirements. Manage bids for approval by FNMA and submitting bids. 19300 Shawnee Avenue, Cleveland, Ohio 44119 - 216-***-**** ad1psa@r.postjobfree.com

Reconvey Specialist - January 2017 to August 2017

Work closely with vendors and clients to have properties rejected by HUD repaired and back in convey condition to give back to HUD. Work with over 500 vendors. Addressing all of the clients inquiries and concerns. Requesting bid approval from management and the client. Convey Specialist II - June 2015 to December 2016

Maintain pipeline of properties and act as liaison to assure that the property is restored to convey condition to the client prior to being returned back to HUD. Follow thru on processing of all necessary bids to HUD or the client for approval. Confirming no additional damages have occurred at the property as to assure it will convey within a 30 day timeframe. Repair Analyst - November 2014 - June 2015

Responsible for the managing of over 300 vendors and contractors to assure the timely completion of estimates and repair orders. Responsible for submitting supplemental bids to HUD for the client regarding additional repairs.

Bank of America (formerly mbna) - Beachwood, Ohio

Senior Mortgage Loan Closer - 2012 - 2013

Input closing information for FHA, MHA and HUD home loan applications into EDGE processing system. Complete closing process of loan by confirming verification of employment, review estimated HUD-1 title for accuracy, update Truth in Lending information and order wire for fund transfer per wiring instructions. Prepared final approved settlement statements and closing documents for title company closing agent for borrower signing. Conduct closing call with borrower to verify signing and closing date as well as ensuring borrower has signed all documents for proper recordation of the loan after signing. Closed 50-60 loans per month, consistently achieving company established goals while ranking in top 5% of companywide closers.

Customer Assistance Senior Collector - 2002 - 2012 Manage Portfolio of accounts to mitigate loan losses thru all stages of delinquency. Develop and understand cardholder’s needs by using developed listening skills to accurately apply correct repayment solutions. Responsible for making sound business decisions regarding monetary adjustments on accounts.

Keybank Resource Center - Cleveland, Ohio

Corporate Sales - 1995 - 2001

Provide product and account information to internal and external clients for multiple deposit and credit products while exploring cross-sell and new business sales opportunities for small business clients. Complete telephone application and credit products up to $50,000. Also assisted in training. EDUCATION

The American College for the Applied Arts - Atlanta, Georgia Bachelor of Applied Arts Degree in fashion Design

COMPUTER SKILLS

Credit Desk, TCS, CMS

Phone system, Hogan, FDR

AKS, SRTS/KRTD, EDGE

19300 Shawnee Avenue, Cleveland, Ohio 44119 - 216-***-**** ad1psa@r.postjobfree.com