CHERYLE S. JACOBS

Cedar Hill, TX ***** 214-***-**** ad2swj@r.postjobfree.com

MORTGAGE PROFESSIONAL and POST CLOSER

Driven and efficient mortgage finance professional with 15 years of experience in finance/banking

(specializing in loan closing), diverse underwriting programs, financial analysis, funding solutions, consulting, and network relations. Seeking a position that provides opportunities that will allow my innovative perspective to benefit and deliver advancement within the company. Ability to operate without supervision. Key competencies include: Communication and Collaboration Relationship Development and maintenance, internally and externally Diverse underwriting programs Financial Analysis Funding Solutions Consulting

and network relations Creative problem Solving FHA Prep for Closing (PFC) Homeowners Insurance

(HOI) Documentation verification and control Borrower Remediation Loan Review HUD Internal Audit

Quality Control Loss Mitigation Fraud Compliance Conflict Resolution Negotiation Technical: Windows Vista, 7,8, and 10 Microsoft Office Suite DRI MortgageServ PeopleSoft Filnet and Centrix Metronet and Fastdata RDS CACS InfoPac Document Direct CA Doc View ACS Paragon Imaging Systems BOSS Director CREO CAV Encompass PROFESSIONAL EXPERIENCE

NEWREZ, LLC – Coppell, TX NMLS#736184

Loss Mitigation Specialist June 2023 – Present

• Handle multiple mortgage products that are 60 + days delinquent, as governed by investor, departmental and legal guidelines.

• Engage in efforts to prevent foreclosure through loan modifications, repayment plans, short sales, or DIL.

• Review and negotiate liens and judgements to help clear the title and protect the homeowner and investors interest in the property.

• Analyze and underwrite the borrower’s income through review of documents which include, but not limited to, financial statements, tax returns, credit reports, and collateral appraisals to determine and recommend the most feasible and appropriate solution for the homeowner. TITLE 365 / BLEND, Coppell, TX

Post Close Remediation April 2021 – June 2022

• Worked with both buyers and client to prepare and submit loan closing packages, ensuring compliance with appropriate regulations, insurance, and guarantee functions as applicable.

• Typically ensured appropriate liquidity is available to complete loan transaction.

• Scheduled single document signing; assigned notary for signing.

• Tracked FEDEX for return of original documents for recording with the County.

• Monitored phone calls from homeowners, insurance companies and property tax inquiries. Loan Solutions Specialist August 2020 - March 2021

• Perfected FHA case assignments and Prep for Closing (PFC) activities, resolving non-customer facing escalations and documenting resolutions via workflow–based tasks for Flash Manufacturing, a fulfillment process using a state-of-the-art workflow system, BOSS Director

• Entered data in Encompass and BOSS Director throughout the various stages on a loan file, including actions for FHA Case Assignment and PFC tasks.

• Validated FHA refinance authorization; validated FHA Case Assignments using CREO CAV

• Validated Homeowners Insurance (HOI) for coverage amount; verified borrower/ vesting information.

Post-Closing Associate January 2020 – July 2020

• Assigned work to offshore team and completing borrower remediation.

• Reviewed and answered HMDA, agency and compliance exceptions, remediated documents.

• Reviewed and worked multiple reports, noting exceptions, and tracking details while also working on special projects and loan reviews.

AMERICAN AIRLINES FEDERAL CREDIT UNION, Ft. Worth, TX Mortgage services Closing Processor June 2018 – January 2019

• Assisted in receiving applications through Prime Alliance loan origination systems.

• Meet deadlines and support production objectives.

• Contact title companies, attorneys, loan officers, processors, and insurance companies to obtain documentation necessary to close mortgage loans.

• Monitored loan status on a continual basis to ensure that timely quality standards and network relations are met.

• Performed pre-closing reviews of documentation prior to releasing closing package; advised buyers to provide applicable documents escrow/closing.

• Reviewed all pre-closing documents provided from member/title companies including title binder, surveys, hazard/flood insurance binder, deed, Fannie Mae Form 1003, POA and trust documents.

Loss Mitigation- Negotiator

Secondary Market – Underwriter

Quality Control Analyst II

State Examinations/ Internal Audit

Sr. Compliance Analyst

Specialized Collections/Fraud