Jacqueline R. Gonzalez

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

Streamwood, IL 60107

630-***-****

adtlyz@r.postjobfree.com

Summary of Qualifications:

A Spanish bi-lingual self-starter, with extensive experience in single family mortgage underwriting, delinquencies, appraisal reviews and customer service. Conducted quality reviews, maintained and monitored collections, foreclosures, and bankruptcy’s, trained staff, and built excellent internal and external customer relationships.

Professional Experience:

Act Appraisal, East Dundee, IL

04/2014 - 08/2015

Appraiser/Quality Control Reviewer

Reviewed residential appraisals for accuracy, relevancy and consistency of data in the report being reviewed.

Have a current working knowledge of Fannie Mae, HUD/FHA, UAD and USPAP requirements and guidelines.

Identify flaws in the appraisal development, logic and theory.

Effectively communicate with vendors regarding appraisal issues.

Communicate with staff in all departments to meet client expectations and maintain a high level of customer service.

Maintain a high level of production.

Keep current with client specific underwriting requirements.

Identify when a report should be escalated for further review.

Morgan Stanley, Vernon Hills,IL

11/2010 – 11/2011

Consultant, Underwriting Assistant

Comprehensive knowledge of loan documentation to include title reports, property appraisals, and credit bureau reporting.

Ensured documents were consistent and upheld company credit policy and secondary market guidelines.

Quality control review of mortgage loan documentation prior to underwriting approval.

Analyzed loans for subordinations with third party junior lien holders.

Prepared all internal subordinations

HSBC, Elmhurst,IL

1998 – 2010

Senior Collections Specialist (2008-2010)

Managed automated collection accounting queue performance to negotiate realistic repayment schedules.

Exceeded departmental goals for customer contacts, payment commitments, performance, and customer satisfaction.

Led efforts in collecting up to 400+ delinquent accounts with an average loan balance of $200,000 on a daily basis.

Skill in skip tracing customers to negotiate payment arrangements.

Trained employees in analyzing title reports, property appraisals, loan documents, credit bureaus, and other related documents.

Underwriter (2004-2008)

Utilized analytical and time management skills to achieve a timely turnaround of files in a high-volume environment.

Knowledge of agency and internal underwriting guidelines to ensure high quality file audits.

Analyzed applicant financial status, credit, and property valuation to determine loan feasibility.

Ensured loan agreements were complete and accurate according to credit policy guidelines.

Communicated with account executives and creditors to resolve questions and issues regarding applications.

Sr. Bankruptcy Specialist (2001-2004)

Extensive knowledge of the bankruptcy process utilized to manage account volume of 350 bankruptcies from Trustee payment collection, legal proceedings, negotiations, and legal actions.

Team Lead and developer of training seminars for Bankruptcy departmental personnel.

Foreclosure Specialist (2000-2001)

Coordinated the foreclosure process with attorneys and paralegals, appraisers, real estate brokers, and borrowers to resolve over 90-day past dues on as many as 200 accounts.

Thorough knowledge of Judicial and Non-Judicial foreclosure proceedings, individual state guidelines, title reports, appraisals, loan documents, and credit reports.

Analyzed and negotiated collection and short sale settlements.

Ensured loan agreements were complete and accurate according to credit policy guidelines.

Communicated with account executives and creditors to resolve questions and issues regarding applications.

Sr. Collections Specialist (1998-2000)

Led efforts in collecting 10 to 60 day delinquent mortgage accounts with average balances of $85,000.

Trained staff in all areas of collection procedures and delinquency monitoring to follow internal policy and agency guidelines.

Education and Credentials:

Wilbur Wright College, Chicago, IL

Harper College, Arlington Heights, IL

Notary Public

Illinois Notary - Springfield, IL 09/2022 to present

Awards

Top Quarterly Collector

4 Star Performance Award – Top Collector

Additional Experience:

Microsoft Excel

Microsoft Word

References:

Available upon request

Contact this candidate