Loan Modification Specialist resume examples

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Professional Summary

Personable business professional who goes above and beyond basic administrative tasks and takes on multiple projects at once. Excellent work ethic and strength in maintaining a positive attitude while interacting with demanding clients. Able to establish strong working relationships and support team members' growth and success.

  • Goal-oriented
  • Self-sufficient
  • Positive attitude
  • Flexible
  • Team player
  • Excellent work ethic
  • Bookkeeping
  • Account management
  • Time management
  • Detail-oriented
  • Excellent communication skills
  • Quickbooks proficiency
  • Highly organized
  • Microsoft Office proficiency
  • Social media knowledge
Work History
  • Office Manager
  • Best Framing
  • Costa Mesa, CA
  • October 2018 to Current
  • Performed billing, collection and reporting functions
  • Compared vendor prices to ensure optimal savings
  • Management of office and production inventory activities, including ordering and requisitions, stocking and shipment receiving
  • Interacted with customers professionally by phone, email or in-person to provide information and direct to desired staff members
  • Monitored and evaluated personnel performance to complete regular reviews, recommend advancement or address productivity concerns
  • Coordinated and maintained office organization to keep facilities efficient, organized and professional
  • Maintained computer and physical filing systems
  • Oversaw office accounting functions such as AP/AR and payroll to keep finances accurate and current
  • Verified 17 salaried and hourly employee time cards to prepare accurate weekly payroll
  • Managed costs and billing and resolved financial discrepancies effectively through organizational management of account information using Quickbooks and MS Office
  • Sourced vendors for special project needs and negotiated contracts
  • Consulted with company management to assess requirements and develop operational enhancements to streamline processes and increase team performance
  • Small Business Owner Operator
  • Fine Art Framing
  • Huntington Beach, CA
  • October 2008 to September 2017
  • Managed business finances, including paying vendors/suppliers for products services rendered
  • Prospected to obtain new accounts while maintaining relationships with existing accounts
  • Prepared income statements, balance sheets and projected cash flow
  • Solicited new business accounts by cold calling and networking
  • Established Quickbooks accounting system to reflect accurate financial records
  • Generated invoices upon receipt of billing information also tracked collection progress
  • Communicated with customers to identify and resolve outstanding payments
  • Managed inquiries from customers and vendors, responded to all correspondence
  • Made sure that products were produced on time while maintaining QC
  • Oversaw production process and managed production schedule
  • Responsible for achieving production requirements
  • Maintained friendly professional customer interactions at all times
  • Handled staffing, disputes, terminating employees while administering disciplinary procedures
  • Loan Processor, Escrow Assistant
  • Bankers Diversified Mortgage
  • Santa Ana, CA
  • April 2002 to October 2008
  • Originated, reviewed, processed, closed and administered customer loan proposals
  • Submitted loan applications to underwriter for verification and recommendations
  • Developed prospects for new loans by conducting cold calls weekly
  • Reviewed and edited loan agreements to ensure accuracy
  • Maintained strict confidentiality of bank records and client information
  • Recommended loan approvals and denials based on customer loan application reviews
  • Maintained friendly and professional customer interactions
  • Added new material to file records and created new records
  • Organized forms, made photocopies, filed records and prepared correspondence and reports
  • High School Diploma
  • Douglas High School
  • Minden, NV

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Professional Profile

Experienced in P&A, operations finance, accounting, and financial systems. Adept at analyzing large data sets at a granular level. Able to communicate complex financial concepts to all levels of the organization. Consistently partner with senior management, delivering results in environments where strong analytical skills and accountability are required. Known for contributing solutions with positive long-term strategic impact.


o Budgeting and Forecasting
   o Profit and Loss Analysis
   o Global Financial Systems
   o Financial Modeling
   o Project Management

o Financial Analysis
  o Management Reporting
  o Ad-Hoc Reporting and Analysis
  o Process Improvement
  o GAAP

o Sales Support and Analytics
 o Quarterly/Year-End Reporting
 o Reconciliations
 o Commercial Credit
 o Banking

Highly proficient in Microsoft Office, Oracle Hyperion (Smart View, Planning, Essbase), SAP

Due Diligence Analyst 06/2017 to Current WELLS FARGO BANK@ROBERT HALF St Louis Park, MN
  • Perform open source and database research for ethics, litigation, due diligence, background check, and risk assessments
  • Perform database searches of key individual and company names across multiple databases and  analyze results.
  • Conduct due diligence on third party international marketing representatives, distributors, and others
  • Produce high quality and accurate written work with the ability to understand and summarize large amounts of information from diverse sources
  • Handled all AP, ledger, reconciliation and statement requirements to maintain records accuracy, integrity and compliance.
  • Managed accounting operations, accounting close, account reporting and reconciliations.
  • Performed research and due diligence to resolve issues in a timely manner.
Mortgage Loan Specialist 03/2016 to 06/2017 US BANK@Bartech St. Paul, Minnesota
  • Performed financial analysis of both secondary market loans as well as in-house loans
  • Calculated mortgage investor and portfolio pricing to meet the minimum yield
  • Monitored investor loans to ensure accurate pricing and invoices
  • Audited closing packages for compliance
  • Ensured accuracy of all mortgage documents, invoices, and procedures

Sales Representative 11/2014 to 03/2016 UPS - UNITED PARCEL SERVICES Edina, Minnesota
  • Managed day-to-day store operations, evaluating sales performance to forecast, financial positioning, task prioritization, and team productivity
  • Assessed effectiveness of team leads, providing consistent feedback to promote efficient performance management
  • Led strategic planning sessions, outlining transitional preparation, department valuation, and process expectations
Mail Processing Clerk 05/2014 to 09/2014 UNITED STATE POSTAL SERVICES Jacksonville, Florida
  • Managed customer service and administrative task.
  • Computed all mailing costs.
  • Assisted with filing customer's claims for damages.
Sales Representative 03/2013 to 05/2014 COMCAST Jacksonville, Florida
  • Established new customer's accounts, filled out major expense reports, and updated database with customer and sales information
  • Managed day-to-day store operations, evaluating sales performance to forecast, financial positioning, task prioritization, and team productivity
  • Recorded daily financial reports,  assisted with monthly inventory control, and scheduled daily production activities

MBA: Finance 2020 Saint Mary's University of Minnesota Minneapolis, MN, United States
Bachelor of Science: Finance 2018 University of Minnesota - Crookston Crookston, MN, United States

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Professional Summary

Sales and customer service professional skilled in development of new business as well in maintaining existing client relationships. A high integrity professional possessing exceptional communication, negotiation, and interpersonal skills. High energy, results oriented leader for developing and executing successful business solutions   

  • Outstanding interpersonal and communication skills
  • Maintaining business to client relationships
  • Great negotiation skills
  • Customer service and sales skills
  • Conflict resolution 
  • Bilingual English/Spanish 
Work History
Account Executive 1, 07/2017 to Current
Balboa Capital Corporation Costa Mesa , California
  • MAKE 200 +daily calls to prospects and existing customers.
  • Work with companies valued up to $10,000,000.
  • Establish and grow relationships with customers.
  • Provide appropriate financing solutions that address customers individual needs.
  • Position Balboa Capital's financing solutions as a strategic advantage to our customers.
  • Close deals and meet individual sales goals.
  • Communicate in a professional and friendly manner.Bring an energetic and professional attitude with a high level of integrity. 
Collection/Call Center Agent, 11/2016 to 06/2017
Conifer Health Solutions Anahiem, Ca
  • Responsible for providing quality customer service while performing collection of assigned outstanding aged accounts balances. 
  • Maintains exceptional service and integrity with customers and client accounts through accurate timely relevant and quality work efforts of all inventory assigned to the self pay billing revenue cycle and call center. 
  • Document all collection activity maintains and organizes unit and responds to all correspondence, communication and or verbal inquiries from all parties.
  • Establish time payment plans, reset time payment plans, make phone calls and negotiate payment plans on accounts in accordance to client policy and practices.
  • Research accounts on work list with non time payment primary status and update account accordingly to continue on in the revenue cycle. 
Call Center Agent , 04/2014 to 06/2016
Carrington Mortgage Holding Anaheim, Ca
  • Make outbound calls via dialer to potential portfolio loan prospects and internet leads.
  • Receive inbound calls from direct mail campaigns and other lead aggregators.
  • Record call outcomes and dispositions lead/accounts
  • Conduct live call transfers to licensed loan officers.
  • Act as single point of contact for potential borrowers and Cres real estate agents.
  • Prepare and mail marketing packages to customers and B2B brokers and affiliates.
  • Communicate with other associates such as Loan Officers, Managers and Brokers through email and other channels.
  • Made 150 thru 250 outbound calls daily.
  • Utilize multiple industry specific systems Fiserv, Encompass, Velocity, Crm, Onbase, Aspect/Lyrical dialer to perform job duties

Loan Modification Underwriter, 05/2012 to 04/2014
Carrington Mortgage Holding Anaheim, Ca
  • Responsibilities include verifications of documents from process support.
  • Refers to standard guidelines to complete verification of income, occupancy and hardship.
  • Calculated income using frequency or year to date method, calculated borrowers front and back end debt ratios.
  •  Reviewed credit reports for undisclosed debts, judgements and liens. 
  • Reviewed title reports for investor first lien position, tax liens or other discrepencies.
  • Reviewed tax returns (all schedules for undisclosed income or investment accounts).
  • Identified types of amounts of liquid assets the borrower holds through bank statements/transcripts, reviewed property inspections for property condition.
  • If further information or documents needed will request from process support.
  • Complete task required per investor specific guidelines in necessary applications. 
  • Approved or denied loan and documented final decision.
Loan Mod Specialist, 05/2010 to 05/2012
So Cal Home Benefits Santa Ana, Ca
  • Handled inbound sales lead calls to convert into sales.  
  • Qualified borrowers based on income, assets, expenses and hardship. 
  • Calculated borrowers income from documentation and paystubs.
  • Reviewed tax returns for indisclosed income, benefit and rental income.
  • Ensure compliance with all applicable regulations.
  • Submitted complete packages for final approval.
Associate of Arts: Business/Criminal Justice, Santa Ana College - Santa Ana

High School Diploma: 1994
Valley High School - Santa Ana, Ca

This resume is created in 7 minutes.

Dedicated account specialist with background in mortgage sales, collections and customer service. 

  • Experienced phone salesman

  • Delivers exceptional customer service

  • Reliable team worker
  • Knowledgeable product representative

  • Proven leader

  • Engaging personality

Recognized by peers and management for going above and beyond normal job functions.

Collections Representative Aug 2008 to Sep 2009
Central Portfolio Control Apple Valley, MN
  • Assisted clients in managing their past due accounts.
  • Provided prompt and efficient customer support for clients.
  • Lead team of representatives on specific product campaigns.
  • Worked closely with management to assure clients were well represented and that representatives were proficient in their roles.
Loan Specialist Aug 2002 to Aug 2004
Wells Fargo Home Mortgage Minneapolis, MN
  • Assisted borrowers with discrepancies in their mortgage accounts.
  • Provided excellent customer service for new loan customers and customers in the process of refinancing their loans.
Master of Arts, Education 2014 Pepperdine Graduate School of Education and Psychology Los Angeles, CA, USA
  • Master of Arts, Education
  • CA State Teaching Credential
Education 2011 Augsburg Colllege Los Angeles, MN, USA
  • Master's in Education course work.
American Studies 2006 University of Minnesota Minneapolis, MN, USA

Study of trends in American popular culture, politics, class and gender issues.