1 Stockton Drive | Kinnelon, XXXXXX xxxxxx xxx-xxx-xxxx | abc@xyz.com

Negotiation | Customer Service | Proposal & Contract Reviews | Data Translation & Distribution | Documentation & Reporting | Regulatory Compliance

Business Correspondence | Interpersonal Communication | Presentation Skills | Time Management | Organization | Attention to Detail | Critical Thinking

Needs Assessment | Problem solving | Conventional & Government Loan Programs | Loan Processing | Financial Acumen | WordPerfect | MS Office 365

Equator | Aacer | RUST | Case Tracker | LPS | Loss Mitigation | HomeBase | HomeSaver | Home Profiler | AS400 | Lotus Notes
Database Management | Proprietary Mortgage-Processing Software | Dictaphone | Types 75+ WPM at 90% accuracy

Dynamic, driven and capable professional with years of valuable experience, paired with a complementary educational foundation. Self-motivated and quality-centered with a reputation for professionalism, positivity and overall commitment to excellence. Demonstrated ability to Liaise effectively with individuals and teams at all levels, including senior-level executives, peer colleagues and clients. Thrives as both an independent achiever and cross-functional team member. Consistently acknowledged by colleagues for thriving in fast-paced environments. Presently seeking a corporate role that will allow for leverage of contract assessment, governance and problem solving skill sets; targeting internal legal or compliance-focused positions.

  Evaluated foreclosed loans during the File Review and/or Claim Review process, to determine if all required loss mitigation activities were handled and documented in accordance with the requirements of HAMP, proprietary modification or other programs requirements

  Ensured that all required protocols were adhered to and recorded; included scanning pertinent documents and following procedures for proper borrower communication

  Followed SD Directives/Internal Operating Procedures, Fair Debt Collections Practices and Fair Credit Reporting rules

  Gathered borrower information, verify loan documents and assessed files in order to move each loan from the preapproval to closing stage

  Handled operations for conforming, non-conforming, FRMs, ARMs, Jumbo, Fannie Mae, Freddie Mac, FHA and VA loans, among others

  Singlehandedly evaluated foreclosed loans to determine if they were processed in accordance with HAMP, BAC Proprietary Modification or other applicable guidelines; also establish presence of errors or other ixxxxxxurious deficiencies easily identified in foreclosure reviews

  Performed NPV calculations, analyzed personal tax returns and reviewed financial statements to assess client net worth, liquidity, cash flow capacity and risk rating; also assessed levels of quality assurance to ensure mortgage and loan compliance

  Compiled loan histories, including images, documents and information across sources to decide if the information available validated the ability to make a foreclosure decision

  Completed Claim Reviews and perform Harm Evaluations according to Promontory and OCC definitions; decided if a borrower claim was valid in doing so, assessed damages and made ultimate determinations regarding compensation for cases where ixxxxxxury occurred

  Facilitated legal analyses, review complaints, and lead both legal and loan research efforts

  Read Property Title Searches for all states to decide if First Legal Action of all States aligned with each individual State s Requirements

  Confirmed that all portfolios managed were in amenability with regulatory and contractual requirements and certified that related activities were in accordance with governing policies

  Led the comprehensive training of new hires and annual training for all personnel; aimed to make all efforts engaging and interactive

  Examined titles and mortgage contracts; also performed title searches, tax/federal liens, mortgage documents and lease/ redemption agreements

  Prepared legal briefs, calendaring, pleadings, appeals and motions

  Reviewed titles and prepared, serviced and amended complaints and default packages for tax lien foreclosures, sheriff s sales and adjournments

  Acquired and evaluated research data; included statutes, decisions, articles, codes and documentation

  Authored reinstatement and payoff requests and letters, along with loan modification packages and loss mitigation remediation forms

  Prepared written correspondence to debtors in an effort to successfully collect the debt owed

  Crafted monthly Progress Reports for the Reinstatement and Payoff Departments

  Aligned daily operating processes with Fair Debt Collections Practice protocols

  Read and reviewed contracts

  Arranged legal documents, e.g. briefs, pleadings, calendaring, appeals and motions

  Served complaint and default packages for tax lien foreclosures and dictation

  Drafted title searches, tax/federal liens and various mortgage documents, lease agreements and redemption

  Worked with Attorneys to research citations for their Environmental Litigation cases; also organized calendars, investigated case facts, prepared legal documents and performed dictation duties as needed

  Conducted research to support a legal proceeding, help formulate a defense or initiate legal action

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  Replied to over 150 calls per day in a timely and professional manner; acted as a liaison between clients and debtors during mortgage foreclosures

  Determined Attorney fees and costs, developed assumption packages, replied to reinstatement/payoff requests

  Also formed Loan Modification Packages and handled the remediation of Loss Mitigation as needed

  Prepared written correspondence to clients in order to collect any outstanding debts

  Supervised three employees in the Reinstatement Department and mentored them on Fair Debt Collections best practice

  Supervised a skilled and driven team of five across the Collection Auto/Mortgage Loan Department; instructed them in handling all facets of the collections process short of taking actual legal action

  Deliberated with customers that had been dealing with delinquent car and mortgage loans; always deferred to Fair Debt Collections Practices and the Fair Credit Reporting Act in handling clients

  Crafted written correspondence to drive the collection of owed debts among delinquent clients; actively sought out each using skip tracing and other research methods

  Worked collaboratively with the Legal Department and Bank Attorneys to further obtain the monies owed by clients

1 Stockton Drive | Kinnelon, XXXXXX xxxxxx xxx-xxx-xxxx | abc@xyz.com

March 16, 2018

Hiring Agent Name

Title

Company Name

Address

City/State/Zip Code

Dear [Hiring Agent Name],

I am currently seeking a challenging career opportunity in a (INSERT TITLE OF TARGET POSITION) capacity and am submitting my resume for your review. In advance, thank you for your time and consideration. As demonstrated in the accompanying resume, my professional qualifications include the following accomplishments:

  I bring to any regulatory compliance and governance role years of exemplary practical experience, focused primarily on compliance and legal work across various sectors.

  As a professional, I am highly comfortable in working to achieve company objectives with the aid of cross-collaborative teams and individual contributors at all levels. I excel as both a team member and independent achiever in working to surpass both organizational and client expectations.

  I am also able to engage with external stakeholders and foster trust-based, mutually beneficial partnerships. My passion for interpersonal efficacy and flawless administrative support provision permeates my career history.

  I feel that I have a knack for fueling connections with others and my drive to succeed motivates me to achieve greatness and deliver the utmost in client service.

  Outside of my career background, I m currently pursuing a Bachelor s Degree in Law and Society with a Psychology Minor at Ramapo College, to be conferred in August of this year. I also have a Finance Certificate in Business Administration from the County College of Xxxxxx and a Paralegal Certificate focused on Civil Litigation from Ashworth University.

  Furthermore, I am involved in various organizations, including the Delta Epsilon Tau International Honor Society and Golden Key Honour Society. I am a Member of the National Notary Association and am certified as a Notary Public as well. I also remain involved in my local community, including staying active in my local church.

As an employee, you will find me to be a driven team player committed to supporting you in achieving your objectives through superior performance. I am confident that I could be a valuable asset to your organization, and look forward to interviewing with you in the near future.

1 Stockton Drive | Kinnelon, XXXXXX xxxxxx xxx-xxx-xxxx | abc@xyz.com

March 16, 2018

Contact Name

Company Name

Address

City/State/Zip Code

Dear _____________________:

I would like to thank you for providing me the opportunity to interview with you and discuss the exciting (TITLE OF POSITION APPLYING FOR) position currently available with your company. Having gained a deeper insight into the job requirements and your objectives, I am confident you will find me a valuable asset in achieving your goals.

As discussed, my background should translate to dynamic results as a member of your team. In particular, I believe you will find my expertise in (ADDRESS A FEW SKILLS/QUALIFICATIONS/ACHIEVEMENTS RELEVANT TO THE POSITION WHICH YOU DISCUSSED DURING THE INTERVEIW) vital to your immediate and long-term objectives.

Should you have any additional questions, or to further discuss this opportunity, please feel free to contact me at your earliest convenience. Again, thank you for the enlightening interview. I look forward to your response and am eager to contribute to your success.

Sincerely,

Yyyyyy x. yyyyyy