Banking
Summary of qualifications
Responsibilities include to proactively soliciting delinquent customers in an effort to determine the collectability and/or cash flow potential of the customer. Negotiates high risk, 90+ delinquent loans adhering to stated timelines and regulatory requirements through a web-based application. Responsible for managing and facilitating resolution of complex consumer loans that may be distressed.
Skills
Attention to detail, assertive when appropriate, good interpersonal, analytical, process analysis, design, deployment, and written and oral communication skills. Strong analytical and problem solving skills, practical and quantifiable process management experience, and practical experience of continuous improvement methods and techniques
Professional experience
July 13 – Present M&T Bank Buffalo, NY
Loss Mitigation – Closing Department
Dec 11 – May 13 Bank of America Buffalo, NY
Mortgage Servicing Specialist II (Outreach Team)
Education
Jan 14 – Present Erie Community College Buffalo, NY
Cisco Networking Academy
Jun 9 – Aug 10 Buffalo State College Buffalo, NY
Master of Science in Education “Career and Technical Education”
GPA 3.86/4.00 Summa Cum Laude
Sept 07 – May 09 Buffalo State College Buffalo, NY
Bachelor of Science “Career and Technical Education” GPA 3.85/4.00 Summa Cum Laude
Bachelor of Arts “Spanish Language Literature” GPA 3.77/4.00 Magna Cum Laude
Sept 90 – Jan 93 I.U.T. “Antonio Jose de Sucre” Caracas – Venezuela
Bachelor Science “Computer Information System”
Summary of qualifications
Responsibilities include to proactively soliciting delinquent customers in an effort to determine the collectability and/or cash flow potential of the customer. Negotiates high risk, 90+ delinquent loans adhering to stated timelines and regulatory requirements through a web-based application. Responsible for managing and facilitating resolution of complex consumer loans that may be distressed.
Skills
Attention to detail, assertive when appropriate, good interpersonal, analytical, process analysis, design, deployment, and written and oral communication skills. Strong analytical and problem solving skills, practical and quantifiable process management experience, and practical experience of continuous improvement methods and techniques
Professional experience
July 13 – Present M&T Bank Buffalo, NY
Loss Mitigation – Closing Department
- Responsible for receive complaints from customers with questions or concerns regarding their loan modification and provide timely and accurate resolutions
- Corresponds with borrowers, attorneys, and dealers etc. to facilitate the loss mitigation programs offered by the Bank.
- Responsible for perform a thorough and accurate review of the file to ensure the loan is in compliance with Investor, State and Federal guidelines
- Address and resolve potential issues that arise in relation to closing to meet the customer’s expectations
- Responsible for minimizing customer impacts and ensuring each customer has a positive interaction with mortgage servicing
Dec 11 – May 13 Bank of America Buffalo, NY
Mortgage Servicing Specialist II (Outreach Team)
- Managed a lender's collection of mortgage loans and handling customer inquiries or problems
- Monitored account delinquency, research missing payments, issue escrow payments, and answer customer questions
- Worked with collectors and attorneys that represent lenders, notifying them about delinquencies, possible foreclosure, bankruptcies and other legal matter
- Assistant bilingual English – Spanish customers
- Responded to investor or other authorized 3rd party inquiries, researching and/or preparing documentation, or analyzing requests in accordance with established guidelines and determining appropriate course of action
- Assisted borrower/authorized 3rd party who may be experiencing difficulty meeting their monthly financial obligations by skillfully probing and evaluating borrowers for various workout programs, including loan modifications
- Worked with the BOA / M&T Bank travel team around the country and assisting borrowers with loan modifications
- Strong knowledge such as FHA, FNMA, FHLMC, HFI, and SFO investors
- Entry level multi-tasking skills to handle various task/responsibilities and alternate between different work processes
- Excellent verbal and written communication skills
- Two years of work experience in mortgage field
- Highly experienced in acquiring mortgage loans by meeting potential clients
- Proficient in analyzing clients’ needs and proposing suitable mortgage solutions
- Hands on experience in recommending, developing and implementing changes to existing and proposed mortgage programs
- Proficient in computers specifically MS Word, Excel, PowerPoint, Access, Outlook.
Education
Jan 14 – Present Erie Community College Buffalo, NY
Cisco Networking Academy
- Networking Fundamentals
- LAN Switching & Wireless
Jun 9 – Aug 10 Buffalo State College Buffalo, NY
Master of Science in Education “Career and Technical Education”
GPA 3.86/4.00 Summa Cum Laude
- Who’s who among Students in American Universities & Colleges Apr 2010
- Certification of Completion Apr 2010
- Fellowship Award Jan 2010
Sept 07 – May 09 Buffalo State College Buffalo, NY
Bachelor of Science “Career and Technical Education” GPA 3.85/4.00 Summa Cum Laude
Bachelor of Arts “Spanish Language Literature” GPA 3.77/4.00 Magna Cum Laude
- Educator of the Year Award” from Senator Antoine Thompson NYS Senate Oct 09
- Sigma Delta Pi”, National Spanish Honor Society May 09
- Undergraduate Academic Honors Award May 09
- Recognition of Academic Excellence Apr 09
Sept 90 – Jan 93 I.U.T. “Antonio Jose de Sucre” Caracas – Venezuela
Bachelor Science “Computer Information System”