CHERYL MITCHELL

**** ***** *** • Fort Worth, Texas 76112 • 682-***-**** • ad2nir@r.postjobfree.com

OBJECTIVE

Dedicated self-driven with experience in Loan Processing & Customer Service with avariety of skills.

*Collections*Accounts Receivable**Financial Counseling*SAP*EPIC*Credit Worthy Experience* Business-to- Business Collections* Cash Management*SkipTracing* Mortgage* Call Center Experience*Data Entry*Oracle*EMS*FDCPA*Medical Terminology*FERPA*Quadax*Medicare*Medicaid*Call Center Experience

*Encompass Experience* EMR* Mortgage Servicing*IVR* Fieldglass**Problem Solver**IVUE*MSP* Salesforce*FHA*Fannie Mac*VA* USDA*CRM*Citrix*IVUE*SaaS*Conflict Management. Document Management* Multitasker*XDOC*Underwriting, Closing WORK EXPERIENCE

Mortgage Processing

Digital Risk/ New Rez, Remote, USA

01/2020 - 10/2021

• Analyze loan application for completeness to ensure loan file meets investor guidelines. Analyze credit, income, asset, and collateral documents and submit files to underwriting.• Clear loan conditions and communicate effectively Underwriting. Collaborate with closing to review & analyze title for all requirements and address issues, insurance coverage for mortgagee• Responsible for analyzing, reviewing, and approving demand/payoff requests and sign collateral release documents including reconveyances of paid loans. Follow- up phone calls to borrower and third parties to obtain necessary loan documentation, title, credit and/or collateral information. Meets or exceeds monthly performance goals to include production, quality and member satisfaction.

Loss Mitigation SPOC

Digital Risk/Wells Fargo, Remote USA

08/2020 - 01/2021

• Serve as the Single Point of Contact to borrowers and/or agencies whose loans were delinquent or at high risk for delinquency.

Offering Government program options to borrowers during the Covid-19 period.

● Reviews the borrower's financial situation and, loan modification, partial claim options are not possible, discusses liquidation options including short sales, and deed in lieu

• Knowledge of the loss mitigation processes and procedures to recommend solutions to maintain home ownership, including modifications, repayment plans or other short term retention options.• Communicated with borrowers and/or agencies of loan modification decision, status, workout options, timelines, coordination touch points, and borrower obligations through the process. Account Manager Reinstatement Clerk

Innovative Financial/Bama Leasing, Fort Worth, Texas 05/2016 - 01/2018

• Tracking down company assets by using skip tracing skills and locating debtors whose contact information was no longer accurate.

Sending our repo agents updated information to better assist in locating the vehicle. Updating any and all new information in the customer's account. Speaking to all repossessed customers after the unit has been picked up either for reinstatement, taking payments and or providing the customer with the location information to pickup their belongings.

Sending out delinquency letters and complying with all state laws. Monitored status code changes. Assigned units for Repossession. Analyzed delinquent accounts for daily reports. • Negotiated payment amounts and reinstated repossessed vehicles. Trained newly hired employees. Drafted emails for reinstated vehicles. Working from an Excel sheet daily looking for the clients assets and making suggestions on whether the account needs to be sent out for legal purposes.

Customer Service/ Collections

LPS Xchange Leasing Uber, Fort Worth, Fort Worth, Texas 03/2016 - 05/2016

This company was bought out by Innovative Financial. Answered inbound calls and made out outbound calls to delinquent customers for payments. I also ran daily report, analyzed credit and minimize exposure for high-risk customers. Analyzed weekly or monthly reports to ensure goals were met. Resolved customer issues escalated from the collectors and took escalated calls for the supervisor as needed. Communicated with internal customers such as sales/operations to resolve billing and collections issues. Customer Service

AmTrust North America, Bedford, Texas

09/2015 - 03/2016

Assist Warranty/Insurance customers by providing the highest level of customer service to all customers. Taking inbound calls from customers, vendors, merchants, and service companies and resolving issues regarding specific products, warranty terms and conditions, service calls, and general questions. Utilize troubleshooting and problem-solving skills to successfully supply accurate information to callers. Research, respond and resolve customer issues in a timely fashion. Retrieve information from our systems (based on customer inquiry) and communicated information back to customers. SPOC Foreclosure Account Specialist

Bank of America, Fort Worth, Texas

08/2011 - 05/2013

• Contacting delinquent, charged off and high-risk customers in order to secure payments. Establishing reasons for delinquency on active loans through both inbound and outbound collection calls.• Resolve regular billing inquiries and negotiate payment arrangements to cure delinquent accounts. Educate customers on the importance of account terms and alternative payment programs and methods. Provide proper updates regarding changes made to the original loan agreement and researching property tax and insurance. Servicing as a subject matter expert to assist customers with distressed loans as a single point of contact. Exercising the ability to manage numerous assignments within deadlines and foreclosure "sale datess EDUCATION

Paul Lawrence Dunbar High School Fort Worth, Texas Diploma received in Science, GPA: 3.5

1977 - 1979

Tarrant County Junior College Fort Worth, Texas

No in Computer Science

1979 - 1980

American Education Center Fort Worth, Texas

Medical Assistant, GPA: 3.9

1991 - 1992

SKILLS

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