Negotiate short sales and settlements for charged off assets. Review documents submitted by real estate agents and/or attorneys and negotiate an acceptable net for the company based on the investor's guidelines.

Managed Hardest Hit Fund (HHF) referrals submitted by the State Housing Finance Agencies (HFAs) following the parameters set forth by the State HFAs and Treasury. Established and managed relationships with eleven of the nineteen HFAs, as well as internally to help facilitate implementation and processing. Responsible for understanding all contractual requirements of the nineteen HFA’s and their respective Hardest Hit Fund Programs. Worked effectively with state HFA’s to proactively discuss pending issues, changes, and process improvements. Monitored and reviewed transactions to ensure accurate posting of funds that exceeded $100 million during the three years working with the program.Served as an escalation point of contact for state HFA’s on HHF files and working to appropriately resolve escalations.Monitored and verified execution of HHF loan modifications

Provided support to Affadavit team as needed.

Provided the highest level of customer care. Investigated and resolved all types of mortgage issues relating to origination, loan transfer, servicing and loss mitigation. Protected the mortgage servicing portfolio; by strict adherence to government regulations and investor requirements and by mitigating losses through foreclosure avoidance.Consistently exceeded target levels for quantity of issues resolved.Successful responses provided to regulatory agencies resulted in no interruption of business activities.

Call center collections agent and customer service representative. Counseled homeowners to resolve mortgage delinquencies, avoid foreclosure and minimize loss severity. Experienced in preparing repayment plans as well as completing submissions for short sales, deed-in-lieu and cash-for-keys. Selected as Associate of the Month (September 2004) and recipient of the Quarterly Vision and Leadership Award (second quarter, 2005)Awarded Celebrate Leadership (2006).

Managed all aspects of operations for a specialty car dealership including bookkeeping and title management.Managed advertising including ad placement, photos of inventory and website updatesPayroll manager