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REO/ Short- Sales/ Trainer/ Loss Mitigation Specialist 6 years +

Location:
Dallas, TX, 75287
Posted:
October 30, 2008

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Resume:

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

Carrollton, TX ***** 972-***-****

Krystale Blackwell

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

Overall Technician

 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.

References:

I have several references available on request.

(My pay is salaried plus a monthly bonus.)



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