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Resume Susana July 5 2015 2

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Resume Susana July 5 2015 2

  1. 1. Susana C. Molina 5210 Four Rivers Court, Houston, Texas 77091 (713) 933-4304 ∙ susanadehoyos@hotmail.com Summary Customer-focused, bilingual Loss Mitigation Collection Specialist with more than 10 years of experience in the Modification/Underwriting banking profession. Extensive interpersonal and negotiation skills, and in-depth knowledge of loans that are delinquent or at high risk for delinquency. Professionally works with borrowers’ to modify mortgage loans by reviewing borrowers’ personal expenses and analyzing their DTI to determine effective solutions to resolve delinquent accounts. Fluent in English and Spanish. Experience Professional Experience Ocwen LLC, Houston, TX January 2012- July 31, 2015 Home Retention Consultant, Relationship Manager  Independently assisted customers with requests for loan workout solutions, process and follow up on applications and provide customers with status updates.  Assisted customers with resolution plans through the use of forbearance agreements, loan reinstatements,loan modifications, deed in lieus, pre-approved short sales and total debt payoffs.  Communicated all aspects of a plan with a customer and or third parties. Managed and followed up on plans assigned in a timely manner.  Ability to handle inbound and outbound calls from a call queue. Worked with co-workers to assist in achieving team and departmenalt goals.  Exceeded in individual goals on a monthly basis. Banco Popular North America, Houston, TX October 2008- March 31, 2011
  2. 2. Mortgage Loan Underwriter/Loss Mitigation Specialist  Assist customers in all phases of the collection cycle.  Found solutions to borrowers' 90 day delinquent accounts by assisting them with short sales, Deed in Lieu, and negotiating with borrowers' to avoid foreclosure.  Prepared and maintained loan files, ensuring supporting documentation adhered to policies, procedures, regulations and third party service level agreements.  Initiated and answered customer telephone calls to assist customers in need of mortgage solutions.  Reviewed clients' current mortgage terms and recommended options to reduce rates to stop foreclosure and make the homes affordable within bank guidelines.  Prepare and review a comprehensive Financial Analysis that includes the borrowers personal and business income and expense financials, bank statements, check stubs, and all income documents to determine if the borrower is a candidate for a loan modification.  Worked directly with borrowers' to modify mortgage loans by reviewing borrowers' personal expenses and analyzing their DTI.  Professionally communicated with borrowers' in financial hardships to determine appropriate recommendations to the borrower's loan to benefit the borrower and the bank.  Reviewed HUD's and listing agreements for short sales with Realtors. Realty Associates, Houston, TX January 2005 - October 2008 Real Estate Agent  Assisted clients in acquisition of houses, including researching availabilities, coordinating showings, submitting purchase contracts, and educating on closing process.  Marketed properties for disposition, including preparing listing for various services and scheduling walkthroughs. Page Break JP Morgan Chase, Houston, TX March 1996 - January 2005 Small Business Workout Officer  Negotiated and restructured 90-day plus delinquent accounts.  Coordinated with attorneys to file suit on guarantors that refused payment arrangements and maintained communications with attorneys on statuses of accounts.  Assisted the collection group with action plans to stop delinquency.  Performed skip tracing.
  3. 3. Senior Underwriter, Indirect Auto  Analyzed customers' financial history to grant loan in accordance with risk management.  Negotiated rates and terms of loans directly with Finance Directors.  Responsible for capturing new business, presented new loan proposals to Finance Directors of various auto dealers.  Dealt specifically with local High Line Auto Dealers reviewing the borrowers credit.  Maintained multi-million dollar relationships with various dealers.  Established top lender status with Saturn Dealers.  Named Employee of the Month numerous times. Skills  Bilingual: English and Spanish  Word  Excel  Access  Metavante  Multi-line Phone  Call Center Experience Education University of Houston, Houston, TX 1980-1985  Earned 40+ credits earned. 