Objective To Contribute the skills, knowledge, and background that I have gained in previous opportunities this has allowed me to progress into my current position in hopes of success for both the company and myself. I would like to broaden as many skills possible in this industry and grow with a new company. I feel like my teaching skills along with my capacity to take in large amounts of information and knowledge, multi-task and apply it would be very beneficial to the company.
Experience February ’07-Present Chase Home Finance Irving, TX
Short Sale Specialist – Loss Mitigation Specialist
Worked on Subprime reinstatement options to include but not limited to: Negotiating and formulating repayment plans. Also I have referred severely delinquent accounts for several workout options like: Modifications, Short-Refinances and Short sales
My current position is negotiating short-sales on subprime mortgages. I cut out the middle man and I negotiate on the short-sale deal from beginning to end. I know all current documents needed for the short-sale process including but not limited to: Estimated HUD-1, Listing Agreement, Purchase Contract, copy of the MLS and etc.
I have also trained several employees on several systems, and how to negotiate with realtors, attorneys, and also 3rd party companies who become the middle-man in regards to negotiations between the mortgage company and the agents.
Employee of the month several times.
Worked with management to provide services to help structure the Loss Mitigation department and build separate work-out areas.
Also worked with FORECLOSURE and BANKRUPTCY Attorney’s in negotiating fees, postponing foreclosure sales and placing files on hold.
FDCPA- I have taken several continued education courses on the FDCPA laws.
2004–2007 Countrywide Home Loans Plano and Richardson, TX
Loan Counselor, Account Specialist, Mortgage Collector
Worked on HUD approved Loss Mitigation Options to bring delinquent accounts current.
Trained others in the knowledge that I learned especially when handling accounts in foreclosure and abiding by HUD guidelines.
Handled escalated accounts and increased productivity for myself in others in the way my portfolio was handled.
Researched the various accounts before assigning to negotiator to handle.
Auditing several loans from different investors.
Also worked with bankruptcy accounts and followed guidelines closely to ensure proper that I adhered to all necessary rules and regulations.
2001–2004 1st Eye care Dallas, TX
Front Desk: Answered phones, filing, handling cash, filing insurance from various health providers.
Pre- Tested Patients: Auto Refract Machine, Topography, Visual Field, Opto-Map, and the Eye Pressure (NCT) Machine
I also handled all contact lens parts of the exam: Teaching the insertion/removal various techniques, wear and care, and safety.
Education 1999–2002 Creekview High school Carrollton, TX
BCIS : Business Computers and Integrated Systems
Skills / Knowledge AS400, Word, Excel, Access, Internet Explorer, Multi Line Phone, Fax, Lotus Notes, Countrywide Home Loan Applications, Home-saver, Intranet and various other computer applications. Excel spreadsheets, DRI, Ivault, Info-source, 1st American, Vendorscape, MSP, Fidelity Systems, Info-Source, ETC.
I have several references available on request.
(My pay is salaried plus a monthly bonus.)