Mail Carrier Foreclosure Specialist

JUDY JONES

* ***** ***

Martinsburg, WV *****

**************@*****.*** 681-***-****

SUMMARY: Highly energetic and self-motivated financial professional with years of experience providing results in fast-paced banking and government contracting industries. Proven track record in assessing sensitive financial documents and records. Recognized for organizational, communication and interpersonal skills in addressing complex operational challenges. SKILLS

Proficient in following software applications: Microsoft Professional Suite (Outlook, Word, Excel, Access), Google Chrome,Empower, Teams, Lync, Safari, Master Trak Plus, Capital Access Financial System (Elips), Electronic Loan Folder (ELF), Lotus Notes, Same Time, Cisco Jabber, ADP, Vendorscape, Lexis, LPS, Aspen Grove, PC Law, FedEx, UPS, Encompass, Loan Delivery Fannie Mae (FNMA) Selling Evaluate Loan (FLHMA),Knowledge now, SharePoint, (CPS) Customer Productivity Suite, Digital Banking, Workday, M&T Treasury Center, On Demand, ACH Monitor front Office,, ACH Monitor Backoffice, CTA, ActivityIdentity,

(ERM) Enterprise Relationship Management, GPP wire look up,(FTA) Secure Telephone Wire, (TPX) Blue Zone Mainframe, Fraud/Risk

Holds active Public Trust Security Clearance

Worked with various Loan servicing programs in the private and public sector EMPLOYMENT HISTORY

M & T Bank – Remote – Treasury Management Services – Amherst, NY -December – 2022 - Present

• Answer Incoming Calls Treasury Center Services Queue (800#)

• Reset customer passwords for online platform called Treasury Center.

• Guide clients in making payments, pulling reports, and adding/deleting/modifying users in Treasury Center.

• Assist clients with Fraud Prevention Services, such as ACH Monitor and Payee Positive Pay.

• Answer general questions about Treasury Management products offered and refer those callers to the sale team.

• Conduct research on ACH originations, Wires, and checks for clients and liaise with relationship team partners to relay information where needed.

• Respond to incoming Emails from TM Services Email box.

• Place scheduled outbound calls to clients requesting assistance with items outline above.

• Corporate and Division Trainings

M & T Bank – Remote - Mortgage Post Closing Specialist III - Final Action – Amherst, NY – November 2021 – December 2022

• Websites that are used Empower and Document Management Portal.

• Perform daily work on pipelines to determine which way to decision each loan; Withdrawn, 3 days withdrawn, Closed for Incompleteness - (CIC), Decline, Approved Not Accepted -(ANA).

• Reviewing each loan against the application to Empower; Look for discrepancies like -Name, address, Loan amount, Credit Score, Canceling Flood Insurance/Title and Appraisal, HMDA -Geo-Coding, Loan approved, Not approved, CRA Wiz, DTI. Prepared the exhibit 11-103 HMDA Action checklist.

• Need to correct or solve any issues found on the loan.

• Communicate with the loan officers, underwriters through e-mail on a daily basis.

• Ensure Mortgage process is compliant with various requirements, including Daily Pipeline (HMDA Action Action), (ECOA), Consumer Financial Protection Bureau - (CFPB), Home Mortgage Disclosure Act –(HMDA).

• Banking regulations knowledge, such as Flood Insurance, HMDA/LAR Report, SCRA, Fair Housing Act, Homeowners Protection Act.

• Corporate and Division Trainings

Mortgage – Remote – Loan Review Specialist III - Fishers, IN – June 2016 – August 2021

• Government Insuring Loans – VA, FHA (Call Center, Wholesale, Retail)

• Websites that are used; Electronic Document Management System (EDMS), Web Connect Application Portal (Lakewood) and Keystone,

• Work Production on daily loans on your Excel report, review loan to resolve the issues for loans insurer curer that the documents are correct.

• Audit information to the EDMS verifying the information meets the specific loan type requirements For each issue for the loans, need to Resolved/Endorse

• Resolve Insuring, Underwriting, Post Closing issues in Lakewood in a timely matter

• Enter data into Lakewood upon completion

• Identify and solve discrepancies including both missing data and bad data

• Communicate to appropriate contact for deficiencies

• Contact FHA, VA, underwriters, and post closers to correct any inaccuracies

• Identify and solve discrepancies including both missing data and bad data

• Review and upload documents to EDMS

Freedom Mortgage - Quality Assurance Checklist

• Perform Quality Assurance Checklist on each co-worker for their work production.

• Reviewing my co-worker QC loans on a daily/weekly basic, do average 3 -4 people per day.

• Grading each QC loan accurately, notate on checklist what action was taking, list anything that was incorrect. J.G. Wentworth Home Lending – Post Closer – Woodbridge, VA – Merge with Freedom Mortgage

• Request the collateral to be shipped from each warehouse bank to the secondary Investors. Which is Comerica, Ever bank, People's United bank, Texas Capital bank and Legacy Bank.

• Prepare the commitment letter for Fannie Mae & Freddie Mac on their website.

• Prepare the Ginnie Mae Pools for each warehouse and request the collateral to be shipped.

• Work closely with Fannie Mae and Bank of New York Mellon to purchase the loan. Small Business Administration – Loan Specialist Officer - Herndon, VA - January – May 2016

• Perform analysis of collateral such as commercial and residential real estate, business personal property, vehicles, deposit accounts and insurance policies to formulate recommendations for fair and marketable liquidation and charge off commercial loans.

• Foster effective relationships with SBA lenders by working in accordance with SBA policies and guidelines to honor each guaranty, confirm liquidation efforts, and analyze expenses relating to the care and preservation of collateral.

• Facilitate achievement of resolutions by providing assistance to SBA lending partners to address complex lending issues. Freddie Mac – Loss Mitigation Bankruptcy/Foreclosure Business Unit McLean, VA July 2014 – August 2015

• Coordinated decision-making of real property actions for servicers and law firms.

• Provided policy and guidance to servicers and delegated firms.

• Served as liaison between the Designated Counsel firms and the servicer to resolve excessive delays and ensure compliance with financial regulations and security policies.

• Operated Vendor scape application to prepare claims for designated legal fees; review Servicer’s request for pre-approval; and mitigate loss.

Freddie Mac – Property Preservation

• Provided guidance on expense limits for preservation and maintenance of abandoned properties.

• Developed recommendations for yard maintenance and winterization seasonal requirements. Freddie Mac - Special Project

• Developed and implemented tracking system to monitor requests received, reviewed and decisional for loans in modification program.

Champion Title & Settlements Administrative Assistant Ashburn, VA December 2012 – September 2014

• Processed subordination agreements for Pentagon Federal Credit Union and Navy Federal Title Services, LLCs and other entities.

• Coordinated lender payoff requests via phone, fax and three-way Conference calls.

• Recognized for outstanding customer service to clients by providing necessary documents to assist in property closing. Atlantic Law Group Mailing Tenant/Lien Holder Notice Leesburg VA July 2009 to December 2012

• Prepared and edited Lien Holder notices.

• Oversaw Lien Holder notice distribution by Certified mail and regular mail to Foreclosure process parties.

• Coordinated exhibits to initiate judgment process. Foreclosure Specialist – Atlantic Law Group 2009 – December 2012

• Assisted Maryland attorneys in preparing foreclosure documentation by ensuring state law timeframes were met, filing documents with the court, setting the sale and coordinating newspaper announcements.

• Handled 100-200 foreclosure files at each stage of foreclosure process.

• Communicated effectively with client via phone, email and websites to in-sure all required information is submitted to expedite the foreclosure process.

• Maintained accuracy of firm systems with pertinent updates daily. Bankruptcy Processing/Direct Source Specialist-Draper & Goldberg Leesburg VA July 2008 to December 2009

• Served as point of contact for processing all bankruptcy-related documentation and assisting Wells Fargo in the Direct Source system.

• Coordinated necessary referrals to attorney for objections to confirmation or to claims.

• Prepared Proofs of Claims by calculating attorney fees/cost, inspection fees, late fees, payments, BPO’s, escrow shortage and suspense, obtaining additional supplemental information from client, as needed

• Supported successful audit completion on monthly and quarterly basis, ensuring scores met Wells Fargo guidelines.

• Conducted monthly meetings with manger and State’s Attorney. Retail Manager - Seven Eleven Corporation May 1984 – June 2008

• Oversaw operations of convenience store with annual revenues of $1.6 million.

• Generated daily reports and bank deposits.

• Coordinated Employee of the Month program.

• Analyzed financial and accounting results to ensure profitability.

• Managed employee recruitment, selection, development and scheduling.

• Recognized for ordering and merchandising that ensured adequate inventory levels, correct product mix, and attractive product display and presentation.

• Served as training specialist for division store managers.

• Orchestrated project management enabling successful new store operations set-up.

• Functioned as back-up region supervisory manager. Mail Carrier - United States Postal Service 2006 - 2008

• Served as Mail Carrier with duties that included: driving mail truck, mail sorting and distribution EDUCATION

Musselman High School – High School Diploma -126 Excellence way Inwood, West Virginia James Rumsey Vocational Technical Center- 3274 Hedgesville Rd Martinsburg, WV - Nursing Assistant Certificate

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