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Work experience

May 2012Present

Default Processor


Create Statements for homes that are being reviewed for foreclosure. 

Oct 2008May 2012

Los Mitigations Counselor


Heavy inbound Customer Service calls from clients with questions about their mortgage. Assist clients with programs that keep their homes from going into foreclosure.

Jul 2007Feb 1986

Loan Doc Specialist

American Family Mortgage

Executing review borrowers credit profile, calculated borrowers income and validated tax returns, quality checked and verified all items provided  by borrower to ensure compliance with investor guidelines, ran residential loan application through an automated decision engine , reviewed title commitment to determine outstanding liens, and researched discrepancies on subject property, reviewed appraisals to ensure property conditions and type, market value and comps were within with perimeter to make a sufficient decision, signed off conditions and prepped file for pre-doc audit, validated social security and 4506t transcript, prepped loans for pre-doc audit and entrusted to sign off conditions. Entrusted to advise/train less tenured peers.

Jun 2006Oct 1958

Customer Service Representative

Citi Card

In this role I was accountable for handling a high volume of inbound calls, and advising clients of the best course of actionto resolve delinquency with an overall goal of minimizing the company’s credit losses. Assist clients with interest rates, payments and any other credit card issues.  Handled in-coming collection/customer service calls from customers researching and provide resolution as necessary. Entrusted to use analytical ability in executing determinations as to strength of a borrower’s ability to repay debt based upon outlined criteria, and negotiation tactics. Working independently with limited supervision. Effectively communicating with both internal/external Business Parties. Providing a resolution to past due accounts by utilization of strong negotiation tactics. Setting up payment plans, and providing expert counsel in setting up payment plans and avoidance of negative credit bureau reporting.


Feb 2014Present


Full Sail University
Aug 2000May 2004

High School Diploma

Duncanville High School
Aug 2004May 1969

Elementary Education

Texas Women University


 Independent, outstanding analytical ability, organizational and communication skills.

Knowledge of People Soft, Microsoft Office, Pega, LPS, Data Track, PACS, Fidelity, Agent Desktop, Lender live,fds, Citilink, DRI.

Accurate typist 50-55 wpm and 10-key by touch.

Five plus years of mortgage, administrative and customer service experience.

Astounding team building skills

Passionate, and effective in negotiation technique

College hours in Education

Seven years of professional Customer Service, Collections and Phone Etiquette.

Five years of Child Care Experience, with Credit hours in Child and Family Development.