Foreclosure Specialist Customer Service

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JUDY A. BAILEY

Rancho Cucamonga, CA · 909-***-****

********@*****.*** · LinkedIn Profile ·

Astute, Award winning professional with 25+ years of experience with a demonstrated history of high-level Customer Service. Extensive knowledge of credit, lending, financial planning/analysis, and operations. Passionate about increasing the quality of the customer/client experience. Proven track record in conflict resolution, problem solving, and providing business solutions. KEY PROFICIENCIES:

● Customer Service Expert

● Sales

● Financial Management

● Process Improvement

● Negotiation

● Banking Solutions

● Business Development

● Lending /Refinance Programs

● Revenue Generation

● MS Suite and Salesforce

EXPERIENCE

FREEDOM MORTGAGE 2017 –

2022

CUSTOMER ADVOCATE

● Continually provided exceptional customer advocacy.

● Responsible for the purchase of residential loans in accordance with company policy,

● Worked closely with Production, Funding Department and approve Correspondent Lenders.

● Worked efficiently and effectively within required deadlines

● Ability to learn quickly and apply that knowledge in a team environment

● Completed reviews of conditions promptly and communicated clear decisions back to the Correspondents.

FORECLOSURE SPECIALIST

● Consistently received high customer satisfaction ratings.

● Expertly moved aged accounts through the foreclosure process

● Prepared bidding instructions for all sales in compliance with guidelines.

● Effectively coordinated with various department involved in the foreclosure process. IES COMMERCIAL 2016 –

2016

MEDICAL SYSTEMS SCRIBE

● Supervised team of client serve center agents in absence of Team Manger

● Resolved escalated client calls while handling large volume of inbound calls.

● Met personal/team qualitative and quantitative targets. BANK OF AMERICA 1996 –

2015

OPERATIONS CONSULTANT/ADVOCATE

● Identified, research and effectively resolved heavy volume of complex customer issues.

● Responsible for U.S. Treasury and HUD Escalations

● Minimized Risks by diplomatically handling numerous account issues. LOSS MITIGATION/LOAN MODIFICATIONS ANALYST

● Evaluated delinquent files to determine Borrower’s repayment options.

● Secured loan modification packages while lessening the risk of foreclosure and future loss.

● Worked strategically with Investors and Government entities to ensure compliance. REAL ESTATE OWNED SPECIALIST

● Reviewed appraisals and underwriting to ensure all Government requirements were met.

● Analyzed valuation, reviewed contracts, reports, and managed properties from listing to close.

FORECLOSURE SPECIALIST

● Monitored and executed all the steps necessary to legally complete the foreclosure process.

● Managed sub-prime foreclosure accounts, properties in diverse geography, and processed loan foreclosure process

● Worked closely with customers to assist in Mortgage preservation to avoid foreclosure. SHORT SALES SPECIALIST

● Provided resources and worked with customers seeking to restructure home loans.

● Coordinated the entire closing sales process with all parties involved. . MORTGAGE LOAN OFFICER

● Provided in-depth analysis of customers’ needs for financing and/or refinancing of real property.

● Expertly discovered needs in order to present the appropriate loan program.

● Managed the entire mortgage loan process from start to close. 2

EDUCATION

AZUZA PACIFIC UNIVERSITY

BA, Business Administration

3

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