Stephany Johnson Email & Phone Number

California, United States

Irvine, California, United States

Collection Representative/Customer Service Representative • Contact homeowners on delinquent payments and established ways to get them back on track. • Secure payment arrangements on monies owed.• Maintain accurate records with the collections systems(s).• Locate customers through the use of databases and references (Skip Trace).• Negotiate payment arrangements with borrowers, including offering suggestions as to how they can meet their obligations, propose alternative payment methods, and establish payment procedures.• Set up payment arrangements, suggesting borrowers use the check by phone service to secure the payments in house.• Take all customer service calls and answer any escrow questions about insurance and taxes. • Transfer calls to Loss Mitigation, Bankruptcy, REO and the Loss Draft department depending on which area the borrower’s loan account may be handled in.

Ontario Ca

 Reviews submission package for all required documents Audits critical docs for State and Federal compliance Completes all data entry required for submission to Underwriting Communicates with internal originators and business partners regarding discrepancies and missing documentation Generates, reviews and releases initial disclosures to the borrower Maintains company turnaround times

Chino Hills

• Contact homeowners on delinquent payments and established ways to get them back on track. • Secure payment arrangements on monies owed.• Maintain accurate records with the collections systems(s).• Locate customers through the use of databases and references (Skip Trace).• Negotiate payment arrangements with borrowers, including offering suggestions as to how they can meet their obligations, propose alternative payment methods, and establish payment procedures.• Set up payment arrangements, suggesting borrowers use the check by phone or website service to secure the payments in house.• Take all customer service calls and answer any escrow questions about insurance and taxes.

Irvine,Ca

Collection Representative/Customer Service Representative • Contact homeowners on delinquent payments and established ways to get them back on track. • Secure payment arrangements on monies owed.• Maintain accurate records with the collections systems(s).• Locate customers through the use of databases and references (Skip Trace).• Negotiate payment arrangements with borrowers, including offering suggestions as to how they can meet their obligations, propose alternative payment methods, and establish payment procedures.• Set up payment arrangements, suggesting borrowers use the check by phone service to secure the payments in house.• Take all customer service calls and answer any escrow questions about insurance and taxes. • Transfer calls to Loss Mitigation, Bankruptcy, REO and the Loss Draft department depending on which area the borrower’s loan account may be handled in.

Irvine

• Prepare closing documents• Ensure all closing documents are issued timely and accurately• Review HUD1 and confirm accuracy against the disclosed fees• Work hand in hand with title company to ensure closings are smooth and easy• Print, organize and prepare closing packages, gathering together the closing documents and any additional document requiring the borrower’s signature at closing.• Handle and resolve all post-closing loan issues• Achieve and maintain all departmental cycle time, service, and volume standards• Electronically send the signing package to the title company for the closing.• Review the critical signed docs from the customer and fund the file.• Review signed loan documents and review information for accuracy. • Review and sign off closing conditions including insurance information. .• Verify and balance funding figures in order to wire final loan proceeds to Title.

Irvine, Ca

• Calculated borrower income and ordered BPOs if needed; also reviewed everything on their credit report to see the actual expenses the borrower had to be able to maintain their mortgage payments with the expenses they still had. • Worked on Government products as MHA/ FHA/FNMA / loans following all their requirements and guidelines.• Reviewed the recommended foreclosure prevention alternative offered to the homeowner to ensure all investor/insurer guidelines were followed.• Analyzed delinquency performs escrow analysis, analyze modification scenarios, proposals and recommend appropriate loan workout.• Maintained responsibility for timely and accurate database maintenance as well as updates and corrections in all related systems

Irvine, Ca

• Conducted inbound and outbound collections calls.• Negotiated payment arrangements with borrowers, including offering suggestions as to how they can meet their obligations, propose alternative payment methods, and establish payment procedures. • Secured payment arrangements on monies owed.• Maintained accurate records with the collections systems(s).• Interacted with collections team and field staff on recovery payments and efforts.• Set-up a modification loan for borrowers who became delinquent on their loan payments or were in foreclosure to set-up payment plans and to bring their account current or to get them on a modified program; trained new employees

Anahiem, Ca

• Conducted inbound and outbound collections calls.• Worked on 0-30 day, 60-89 day and 90-119 day loans, collecting on delinquent accounts such as: personal lines of credit, autos, mortgages, credit cards, student loans etc.• Called members with delinquent payments to establish ways to get them back on track; helped members with assistance programs, such as deferments, rewrites, payment skips and loan modifications.• Maintained accurate records with the collections systems(s).• Negotiated payment arrangements with members, including offering suggestions as to how they can meet their obligations, propose alternative payment methods, and establish payment procedures.• Secured payment arrangements on monies owed.• Set up payment arrangements, suggesting members use the check by phone service to secure the payments in house. • When I worked on an auto loan account I assisted members who attempted to voluntarily surrender their vechicle by devising a strategy to allow them to keep their vehicle while meeting the obligations of their loan.• Located customers through the use of databases and references (Skip Trace

Rancho Cucamonga, Ca

• Conducted inbound and outbound collections calls on past due payments.• Contacted homeowners on delinquent payments and established ways to get them back on track. • Located customers through the use of databases and references (Skip Trace).• Negotiated payment arrangements with borrowers, including offering suggestions as to how they can meet their obligations, propose alternative payment methods, and establish payment procedures.• Secured payment arrangements on monies owed.• Maintained accurate records with the collections systems(s).• Interacted with collections team and field staff on recovery payments and efforts.• Set up payment arrangements, worked on First Payment Defaults (FPD) accounts

Rancho Cucamonga, Ca

• Monitored outbound/inbound calls from Collections, Customer Service and Loss mitigation departments.• Comments were documented on the monitor sheet so that the loan counselors could be provided appropriate coaching on each call.• Reviewed process in various servicing departments for quality and compliance.• Provided quality monitoring reports. • Provided guidance and coaching for areas of opportunity.• Partnered with different departments to participate in/host call calibrations. • Developed best practices to resolve delinquencies and meet regulatory compliances.

Irvine, Ca

• Conducted inbound and outbound collections calls on past due payments. • Secured payment arrangements on monies owed.• Negotiated payment arrangements with borrowers, including offering suggestions as to how they can meet their obligations, propose alternative payment methods, and establish payment procedures.• Maintained accurate records with the collections systems(s).• Initially retained as Loan Counselor 1, developing knowledge and skills in this fast paced mortgage environment and rapidly promoting to level 2 and 3.• Handled First Payment Defaults (FPD) accounts, placed courtesy calls to first time borrowers, contacted homeowners on delinquent loans and established ways that were satisfactory for the borrower to get back on track.• Occasional involvement with the Special Task Team.• Trained new employees