1. Darlene Melvin
21021 Erwin St. Unit 313, Woodland Hills, CA 91367
Email: darlenemelvin@ymail.com
Cell: 818 517 2906
CAREER PROFILE Highly accomplished Professional with diverse experience in Mortgage Loans, a solid 16
year background conducting Foreclosures for California, Nevada and Arizona
QUALIFICATIONS
 Sixteen years of experience in mortgage banking
 Extensive knowledge in ForeclosureCommercial & Residential loans
 Excellent communication and interpersonal skills
 Detailed oriented and creative problem solver
 Customer Service
 Data Entry
PROFESSIONAL Foreclosure Specialist 1999-2014
Experience JPMorgan Chase Bank / California Reconveyance Company / A-LAW
 Acting as a liaison between firm and internal business units, departments and external
companies, with a strong focus on increasing attorney performance through
communicating changes, resolving challenges, and monitoring overall performance
through extensive analysis.
 Monitor clients’ foreclosure systems daily to make sure there has not been any changes
on the loans as far as payment arrangements, Reinstatements, Pay-Offs, Bankruptcy
filings, TRO, Deed in lieu, that may cause problems to proceed with Foreclosure or
recording of legal documents.
 Communicate with internal and external Companies to assess loan status, process
changes, and overall performances related issues.
 Identify actions needed and escalate to appropriate parties. This includes preparing
formal recommendations to management related to firm selection and performance
based on detailed review of data and performance calls.
 Review title request, review legal description from the Trustee sale guarantee, review
loan documents, open claims for titleissues,process bidsfor auction sales, process new
referrals and accurately check for prior liens on loans.
 Audit foreclosure original legal documents for Quality Control, for accuracy prior to
being sent to record to the correct counties for Arizona and California on a daily basis,
respond to letters received from borrowers with concern or complaints.
 Prepared Notice of Sales for publications and postings for different Agencies for Arizona
and California Foreclosures.
Representative 04/98 – 04/99
Washington Mutual Bank / California Reconveyance Company
Collect on defaulted mortgage accounts working with more difficult accounts from 30 days
past due up to 12 months leading to foreclosure. Locate and contact customers by
telephone and mail,handlemoderately difficultskip-traceassignments,assesstheindividual

2. circumstances and decideupon an appropriatecourseof action. Determine reasons for non-
payment, negotiating payment arrangements, offering suggestions to customers on how to
meet their obligations and advising them as to the possible consequences of not meeting the
obligations. Process electronic payments from borrowers, set-up borrowers for
modification, send letters to borrowers regarding impound insurance.
Credit & Collections Manager 03/97 – 04/98
Gold Graphics Manufacturing
Ensure that credit and collection policies, procedures, practices, and documentation meet
Federal and State regulations. Assign,monitor and supervise the work load in the Collection
Department via staff and vendor management to ensure the smooth and efficient flow of
work. Ensure the courteous and considerate interface or with members at all times. Review
collection reports to ascertain status of collections and balances outstanding. Evaluate
effectiveness of current collection policies and procedures.
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SKILLS AND EDUCATION PROFICIENT WITH MICROSOFT OFFICE, FIDELITY MSP, PACER, VENDORSCAPE, LENSTAR, LPSDESKTOP,
SCRA SEARCH, PERFECT PRACTICE, CORELOGIC, SKIPTRACE, BLACK KNIGHT DESKTOP
PORT HURON HIGH SCHOOL, DIPLOMA