Real Estate Sales Representative

BRANDY J. STEVENS

**** ** **** **, ***, OK ***** 405-***-**** t9tm7o@r.postjobfree.com

QUALIFICATIONS

I am an accomplished professional with a proven track record of success. I have fifteen years experience in credit analysis, funding, bookkeeping, sales and payroll. Strategic and creative thinker with effective verbal and written communication skills. Proven ability to develop strong client relationships quickly and promote teamwork.

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PROFESSIONAL EXPERIENCE

CAPITAL ONE AUTO FINANCE

Plano, Texas

Relationship Manager 10/2010 to present

• Evaluate and validate loan applications and make recommendations or decisions for credit requests.

• I communicate the decision to the dealership and negotiate the final terms of the contract.

• Exceeded/Met goal every month

• I have had outstanding success in building and maintaining relationships with key corporate decision makers, establishing large volume, high profit accounts. I have retained these customers by building a reputation of integrity, knowledge and accountability.

• Through successful marketing, in both person and over the phone, I sold and average of $2 million products a month.

• Researched market competition and their pricing to stay ahead of the key players in the marketplace.

• I have the ability to maintain and develop good business relationships with over sixty dealerships.

• I am familiar with banking regulations, underwriting techniques and lending laws.

• Thorough understanding of the concepts of credit scoring.

• Highly self motivated and flexible with the ability to meet tight deadlines and work under own initiative

• I analyze risk associated with extending credit to customers by reviewing credit bureau and financial documents upfront.

• I minimize risk by coaching and training my dealerships as to what kind of customer I am looking for.

WINGSPAN PORTFOLIO ADVISORS

Carrollton, Texas

Loss Mitigation/Special Servicing Representative 03/10 to 10/2010

• Research and members facing hardships and recommend options to reduce financial loss, including payment plans, modification, forbearance plans, deed in lieu, settlements and short sales.

• Manage the process of selling real estate within prescribe investor and company guidelines

• Handle all negotiations between the first mortgage lien holder, real estate agents, lawyers and customer to get the best possible outcome for Wingspan.

• Provide marking direction to brokers and real estate agents

• Provide extensive loss analysis and recommendations to all aspects of loss mitigation for investor owned real estate.

• Arrange for contractual services relating to property inspections, appraisers, real estate agents, etc., who may be involved in the inspection and valuation of the property.

Bank of America – OCC – contract work through Wingspan

• Review customer complaints that came from the Office of Consumer Complaints

• Reviewed account to figure out when and where the problem started and the best possible solution to get the problem resolved.

• Reached out to my many contacts to help get the problem solved

• Typed up letter to customer with the outcome of my research

GMAC RESCAP MORTGAGE

Dallas, Texas

Liquidation Advisor 12/09 to 3/10

• Negotiation and execution of short sales and deeds in lieu of foreclosure

• Analysis of loan history, asset attributes, and customer contact to determine whether referral for foreclosure is appropriate

• Decision to charge-off assets, and Bid decisions for assets taken to foreclosure sale

• Reception of disposition referrals and subsequent analysis to determine that all alternatives to allow ownership retention have been exhausted

• Work within investor guidelines; negotiate with borrowers, investor representatives, real estate agents and other borrower representatives to obtain the best option for resolution.

Loan Modification Specialist 07/09 to 11/09

• Review each accounts financial hardship, including detailed pay history review, foreclosure rules and guidelines

• Determine financial capacity and commitment of each homeowner

• Provide customized modification solutions in order to provide the right solution for the homeowner increasing overall portfolio homeownership.

• Work with attorneys and foreclosure vendors to assure fees/costs, timelines and guidelines are handled appropriately and timely

• Analysis of loan history, asset attributes, and customer contact to determine whether modification is appropriate

• Manage foreclosure fees/costs and timelines for loans in active portfolio.

• Provide instruction to attorneys to hold, cancel, postpone, or proceed with foreclosure sale

• Creative outbound efforts to increase right party contact

• Utilize Skip Tracing tools to drive contact, and ultimately reduce delinquency.

• Execute Modifications

GMAC AUTO FINANCE 12/07 to 03/09

Bedford, Texas

Senior Credit Analyst

• Decision credit applications for non-prime automotive loans according to company guidelines.

• Communicate the decision to the dealership and negotiated the final terms of contract.

• Coordinated with my area sales representative to establish relationships with dealerships.

• Help identify high and low performing dealerships.

• Market dealerships within my region to maintain and increase business.

• Respond to internal and external customer inquiries and assist them accordingly.

• Continually hit company volume, efficiency and personal goals.

Collections Analyst

• Process a high influx of inbound and outbound calls pertaining to the reconciliation and collection of delinquent automotive accounts.

• Prevent impeding loss and increasing profitability through negotiation and enforcement of scheduled promises.

• Compile and analyze data for monthly management loan loss reports to measure portfolio performance.

CITIGROUP 07/06 to 12/07

Dallas, Texas

Credit Analyst

• Analyzed and made sound decisions on non-prime automotive credit applications.

• Educated automotive dealerships with the help of the sales representative to improve territory productivity.

• Top performer consistently in office of 40 credit analysts.

HSBC AUTO FINANCE 06/04 to 06/06

Lewisville, Texas

Credit Officer

• Decisioned credit applications for prime and non-prime automotive loans.

• Responsible for marketing programs to automotive dealerships within my region to increase business.

Funding Supervisor

• Managed a team of five funders who generated over $12MM in annual sales.

• Provided training and coaching

• Handled the more complicated tasks of the funding position; all accounts that fell outside of policy.

• Handled all escalated phone calls.

• Managed to department goals, which we always hit.

• Analyzed reports to manage progress and assisted manager on special projects.

CAPITAL ONE AUTO FINANCE 08/01 to 05/04

Plano, Texas

Funding Analyst

• Consistently the top producer out of 50 funders.

• Responsible for completion of over one hundred contracts at any given time.

• Conducted all investigations to make sure they did not result in a financial loss or violated any federal, state or company policies.

• Made frequent contact with numerous dealerships.

FIRST FIDELITY BANK 05/00 to 08/01

Moore, Oklahoma

Personal Banking Representative

• Won several branch contests and was consistently the top salesperson. I ranked among the top 2 bankers out of 50.

• Sold four to five products on average during each client meeting, with minimum goal of 2.5 products.

• Generated new business through presentation of bank products to customers and provided loan counseling to customers.

• Assisted the branch loan officer with consumer and home equity loans

OKLAHOMA APPRENTICESHIP PROGRAM 5/00 to 07/01

Oklahoma City, Oklahoma

Payroll Administrator

• Responsible for the process of received accounts to be paid and reviewed payable accounts to ensure that the information is properly recorded.

• Recorded administrative and office expenses, balanced and reconciled all accounts.

• Processed and issued employee paychecks and statement of earnings.

• Verified attendance, hours worked, pay adjustments and posted information on designated records.

• Recorded employer information such as transfers and resignations.

• Posted relevant work hours to client files in order to bill clients properly.

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EDUCATION

Rose State College

Southeastern Oklahoma State University

Oklahoma City Community College

Mid-Del Christian School

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TECHNICAL SKILLS

Ten Key by Touch Typing 60+ words/minute Microsoft Works

Windows XP Excel/Word Time in a Box

AS400 ADX/SNAP Systeme 1&2

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