jessica claire montgomery street san francisco ca 94105 555 4321000 resumesampleexamplecom summary selfmotivated professional highly proficient developing creative solutions implementing objective decision making maintains positive attitude works hard build client relationships ability function high level wide variety settings microsoft office proficiency client development communications credit collections call center environment mortgage originations fulfillment areas expertise data research resolution customer service satisfaction time risk management loan processing underwriting experience auto finance collector ii 092013 jpmorgan chase city state contacted customers via telephone andor mail collect past due amounts chase portfolios range delinquency assessed individual circumstances decided upon appropriate course action collecting amounts helped determine reasons nonpayment negotiating payment arrangements offering suggestions customers meet obligations advising possible consequences disregarded home service specialist ii refinance loan processor 2012 072013 bank america na city state adhered federal state compliance fnmafhlmc conventional guidelines relative retail mortgage lending mha harp cema home loans reviewed incomecredit analysis documentation determine loan eligibility utilizing safe mortgage licensing act 2008 educated customers variety loan products available credit options managing 60 client relationships month ordered executed credit reports insurance policies flood certificates appraisals preliminary title reports real estate tax certifications internalexternal subordinations exceeded monthly quarterly annual production goals closing funding conventional conforming loans executive response specialist ii loan modification underwriter 072011 112011 citimortgage inc city state provided meticulous attention detail underwriting presidential escalations fha va private investor loan modifications ensuring loan submissions met internal external eligibility requirements analyzed applicants credit income assets cashflow loantovalue debttoincome ratios etc determine feasibility granting loan borrowers default leveraged knowledge delegated underwriting authority automated underwriting systems du lp help restructure turneddown loans subsequent approvals developed implemented monitored new underwriting guidelines government supplement loan modification programs demonstrated excellent followthrough borrowers loan processors management throughout phases underwriting process loss mitigation specialist ii short sale prospector 012010 062011 built partnerships attorneys realtors brokers insurance agents title vendors lenders including fannie mae freddie mac fha va private investors delegate short sale deed lieu approvals sufficiently acted liaison buyers sellers investors etc negotiating contracts collecting necessary documentation payments avoid foreclosure frequently submitted orders disputes broker price opinions appraisals investors conduct qualitative analysis property assessment value managed inquires requests clients third parties via phone fax email manually entering data centralized database imaging system worked goaloriented environment achieving individual team daily monthly quarterly performance targets loss mitigation specialist ii homeowner assistance representative 2009 2010 efficiently serviced high volume inboundoutbound calls analyze best possible option curing loan defaults accordance borrowers financial hardship prequalified set loan modifications forbearance agreements repayment plans loan reinstatements collected loan payments 60120 days past due sold mortgage products enforcing call center policies procedures quality assurance measures utilized customer service call scripts ie miranda rights inputting client information documentation various systems approval completion assisted implementing new techniques procedures enhance efficiency homeowner financial assistance process service processor ii loan document processor 092006 112008 reviewed updated existing customer loans mortgage documents searched various systems multiple investor loans prepared mortgage documents imaging relocation sorted documents shipping investors custodians associate arts 2008 st charles community college cottleville mo high school diploma 2005 emil e holt senior high school wentzville mo education