Sharonza A. Walker

***** ***** ****, *******, *****, 76036

EMAIL: aduwg3@r.postjobfree.com MOBILE: 817-***-**** or 817-***-****

Throughout my years in banking and lending industry, I have always impressed managers with my tremendous dedication to my job and the knowledge I have acquired during my career. I am a highly motivated individual with a strong ethic, excellent leadership skills with a strong analytical background that is seeking a challenging opportunity that allows me to perform at a high level and expand my career. Works well independently as well as collaboratively on a team.

EXPERIENCE

Remote Collector

ServiceMac - South Carolina

June 2022 to Present

Responsible for collection of medium to complex/difficult accounts and situations.

Responsible for the research and resolution of escalated delinquent customers

Prepares justification packages to Management regarding the write-off or turn over to a collection’s agency for severely delinquent customers.

Prepare weekly and monthly updates and status reports of outstanding delinquencies

Prepare and mail delinquent invoices to customers monthly, as needed

Mortgage Default Specialist

Home Point Mortgage - Farmers Branch, TX

January 2021 to June 2022

Negotiate payment arrangements with customer to avoid mortgage delinquency, foreclosures and repossessions.

Ensure to follow Fair Debt Collections Practices Act (FDCPA).

Work in accordance with consumer privacy laws and company procedures.

Contact debtors regarding status of account and fees past due.

Determine debtor’s financial ability to offer alternate payment programs and methods.

Perform skip tracking to locate debtors with incorrect contact information.

Document and maintain all incoming and outgoing collection efforts in accordance with the established standards. (e.g., Updated phone numbers, Letters, Mailing addresses, etc.)

Gather and audit loan documents before foreclosure.

Review, approve and post any collections payments submitted by check, Western Union and check by phone.

Address inquiries and issues of debtors in a timely and professional manner.

Provide excellent and outstanding services to debtors.

Monitor and manage mortgage delinquency reporting activities.

Perform general clerical duties as needed.

Bayview Asset Management, LLC -Hurst, Texas 03/2017- 8/2019

Customer Relations Associate III

Provide stellar customer service by managing an average of 100 or more inbound and outbound calls per day

Negotiate with customers per investor, company and regulatory guideline to resolve their mortgage loan delinquencies

Oversee all government servicing for FHA, FNMA, FHLMC, and VA loans

Set-up payment arrangements, order payoff request, and work in a structured and initiative-taking manner to meet individual and department goals

Manage inbound/outbound and servicing efforts accounts that are 3 to 90 days delinquent or other tasks as assigned

Update customers verbal financials, where applicable, prior to setting up formal repayment plans to resolve delinquency

Perform bankruptcy loan servicing for residential, commercial, and component customers

JP MORGAN CHASE- Irving/Arlington/ Fort Worth/ Coppell, Texas 05/2011 to 01/2016

Customer Assistance Specialist (SPOC)

Serve as the primary contact for customers and approved third parties; including but not limited to investors, attorney’s trustees and the courts

Respond to customer inquiries regarding mortgage default and loss mitigation options

Manage customer requests concerning modifications at all stages of the process by acting as liaison with all necessary parties

Communicates modification decisions as received from Underwriting/Quality Assurance. If modification is declined, discusses other options with the customer

Responsible for sending an escalation email to the appropriate department to place foreclosure on hold if a sale of the property is scheduled within 30 days or less, depending on state

Oversees customers trial plan adherence and completion

Communicates and keeps customer apprised throughout the process by maintaining close communication with internal partners including but not limited to Underwriting, Bankruptcy, Loss Mitigation, Foreclosure, and Service Member Civil Relief Act (SCRA)

Mortgage Banker

Originated HARP Super Streamline refinances

Exceeded Chase expectations on customer experience and file quality scores

Maintained an average pipeline of 7-8 million and funded 2-3 million a month

Prepare and calculate income and assets thoroughly before submission to underwriting

Provide borrowers with timely and periodic status updates of their loan application

Return all inquiry calls within one business day

Act as a liaison between borrowers, underwriters, loan originators and lenders

Collected required documentation form applicants and follow up on missing items

Established, maintain, and update files databases, records and other documents for recurring internal reports

Order and review title insurance, appraisals, loan payoffs, flood/tax certificates, and surveys, and thoroughly review all documents and rate locks prior to underwriting submission

Relationship Manager/ Customer Assistance Specialist

Served as a primary contact for borrowers and authorized third parties throughout the modification process

Oversees and perfect receipt of documents, determines if loan is ready for underwriting review and or if a Missing Items Letters is necessary to complete the modification review

Maintained extensive knowledge for investor and underwriting guidelines, FHA, VA, Fannie Mae, Freddie Mac, and USDA type loans

Manage and review pipeline to meet monthly goals and deadlines

EDUCATION

Champion School Real Estate

Oscar Dean Wyatt High School

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