Denise Kelly

**** ********* **

Dallas, Texas ***16

Home: 682-***-****

Email: ad2zue@r.postjobfree.com

Collections / Loss Mitigation/ Foreclosure/ Quality Control/ Negotiating/ Bankruptcy/ Sales/ Marketing/ Impeccable

Customer Service/ Credit Repair/ Financial Services/ Advertising/ Financial Literacy/ Auditor/ Great Problem Solver

SUMMARY OF QUALIFICATIONS

I am a highly competitive, self-starter who is organized, disciplined, and goal-oriented. I have excellent communication skills demonstrated by the ability to work with people of diverse backgrounds. I listen to determine the needs of customers before offering a solution. I quickly establish rapport with clients. I’m dedicated, self-driven, focused with strong persuasive interpersonal skills and welcomes the challenge of solving problems. Demonstrated areas of expertise include:

Written Skills Communication

Leadership Skills

Affidavits

Client Relations

Research Skills MS Word

MS Excel Organizational Skills

Analytical

Problem Solving

Loss Mitigation

Collections

Cash Handling

Customer Service Skills

Managerial Skills

Bankruptcy Operations

Conflict resolution

Foreclosure

Negotiation Strategy

Independent Team-oriented

Consumer & Community Banking

Mortgage Banking

Loan Servicing & Default

Document Custody

Sales

Shipping Clerk

Federal Housing Administration Marketing/Advertising

Critical Thinker

Financial Literacy

Credit Repair/ Financial Services

Auditing

7900ksph/ 35 wpm

CFPB, RESPA and TILA knowledgeable

Repay system

Sagent

DocNet

Google Docs

PROFESSIONAL EXPERIENCE

Selene Finance, LP

Loss Mitigation Specialist- Non Performing

Feb. 2022 - June 2022

●Handling inbound/outbound calls from borrowers on non performing mortgage loans

●Single Point of Contact (SPOC) and is assigned a portfolio of non-performing assets to contact, negotiate and complete loss mitigation alternatives to minimize foreclosure losses.

●Communicate with customers via phone, email and chat with Management on how to best help the homeowner

United Wealth Services

Field Trainer- Independent Contractor

Oct. 2017 – Jan. 2019

●Marketing and advertising credit repair service to individuals with credit issues

●Network with other individuals in financial services offering them ways to collaborate their services with the service

●Provide financial literacy to individuals less knowledgeable, guidance to homeownership and ways to financially plan

Informa Intelligence Services

Quality Assurance Specialist/ Auditor

July 2019 - Dec. 2019

●Work in a team environment with auditors and operations staff to ensure overall accuracy of data and timeliness of services

●Monitor daily rate sheet intake for proper coverage and data accuracy

●Review day over day pricing analysis for changes to pricing method - report changes to Pricing manager

Workway Staffing- Stonegate Mortgage

Default Administration

Feb. 2016 - Aug. 2016

●Assisting the Foreclosure department with delinquent loans, reviewed loans for Pre-foreclosure actions

●Provide assistance to the Bankruptcy team completing payment history audits for Chapter 13 cases filed.

●Reviewing Loss Mitigation Workout packets for possible modification, Short Sales or Deed in Lieu

Choice Staffing- Bank of New York Mellon

Document Custody Shipping Clerk

Sept. 2015 - Feb. 2016

●Preparing shipments of trailing documents that are no longer being handle or vaulted or being processed by the company

●Process and release documents through the business system

●Research the business record systems for location and status of loans

●Create shipping air bills for UPS and FedEx shipments and delivery packages to the vault shipping pick up daily.

JP Morgan Chase

Bankruptcy Specialist II(Bankruptcy)

Feb.2014 - Oct. 2014

●Handling the monitoring process of Chapter 13 Agreed Orders and Amended Proof of Claims, ensured that the Order payments and delinquent payments are made on time throughout the Bankruptcy process.

●Providing updates and requesting additional information for and from the Vendors(attorneys) ● Setting and accomplishing daily goals while maintaining 80% or greater quality assurances rate. ● Reviewing the Agreed Orders for all 50 states

JP Morgan Chase

Foreclosure Specialist II (Foreclosure)

July 2011-Feb.2014

●Knowledge of lending types (conventional, government-FHA, FHLMC, & FNMA,)

●Review and execute Verifications of Complaints and Assignment of Mortgages for the state for assigned states

●Review and executed Assignments of Mortgages and Substitution of Trustee and Affidavits of Ownerships

●Review and execute Affidavits of Amount Due and Owing and Affidavit of Post Judgment in the 1 st legal step process ● Heavy clerical duties during down time

●Responsible for meeting productivity, and Quality Control goals as required by management and OCC

●Heavy communication with Quality Control and Attorneys on resolving foreclosure procedures and guidelines

●Performed other duties as assigned by operation manager (take meeting minutes, create Pivot tables, training of others)

●Manage my own workload while maintaining production

JP Morgan Chase

HL Customer Assistance Operations Specialist I (Loss Mitigation)

Sept.2011-June 2012

●Examines residential loan documentation for accuracy, completeness, and compliance with appropriate company and secondary market investor standards

●Evaluates credit decisions for accuracy based upon established risk parameters and in accordance with policy, program, and product guidelines

●Review applications, MVR's, Experience Mods, Loss Experience, Loss Control Reports, Product ● Consults management, other underwriters, Internet, and Best Underwriting Guide.

●Refers accounts for approval to the underwriter as required by the authority given.

●Responsible for meeting productivity, and Quality Control goals as required by management

Ally Financial (formerly GMAC),

Loss Mitigation Specialist (Auto Finance)

June 2008 – April 2011

●Responded to inbound calls in support of customer needs; listened empathetic to customers; clarified and assessed customer needs; resolved issues in a prompt and effective manner utilizing multiple computer systems simultaneously.

●Researched and executed strategies to minimize loss severity; analyzed various options to determine best solution for borrowers, investors, and companies.

●Managed, tracked, and updated customer accounts daily.

●Achieved “Top Performer” status four consecutive months for successfully exceeding monthly quotas/goals.

●Received continuous advanced training of new procedures in managing escalated calls.

Supercuts Haircutting Salon

Hair Stylist/ Shift Manager

Nov. 2003 – July 2008

●Provided quality service to clients in a salon environment. Recommended hair care products and techniques to clients to help maintain healthy hair and scalp conditions. Serviced 20 +clients daily. Positively and professionally communicate with customers in various situations

●Performed the duties of balancing the cash register and preparing the daily bank deposits

●Performed managerial duties when the salon manager was absent, i.e. making schedules, order and restocking products, training new stylists to cut within the specific haircutting techniques ● Handled complaints and concerns from customers/clients.

●Achieved “Top Stylist” for 3 consecutive years.

EDUCATION

Strayer University- Online

January 2017 to Oct. 2019

Associates Degree

Strayer University - Online

Dec. 2019 to Present

Business Administration concentration Entrepreneurship

Aladdin Beauty School

February 2001 to January 2002

Hair Stylist/ Barber Licensed: 12/2001

References Available Upon Request

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