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- 1. Scenteria Stubbs PH: (904) 318-0106 EMAIL: SStubbs26@yahoo.com _________________________________________________________________________________________ OBJECTIVE To obtain a position in the Mortgage industry that w illeffectively utilize acquired expertise, creative talents and commitment to excellence. Desire a position w ith career growth potential. SUMMARY Mortgage Servicing and Loss Mitigation Specialist w ith 12 years of experience in Fortune 500 Companies. Extensive background in mortgage servicing, customer service, sales, and collections. Consistently obtains high performances, demonstrates leadership and cohesive team building skills. Experienced in resolving high escalated issues, planning and presenting strategic templates, and asset management. Dedicated, innovative and self-motivated team player/builder. QUALIFICATIONS  Quick study, w ith an ability to easily grasp and put into application new ideas, concepts, methods and technologies.  Client focused, detail-oriented professionalwith excellent verbal/written, communication and presentation skills.  Proficient in Microsoft Office Word, Excel, Pow erPoint, Outlook, Email and Internet brow sers, LPS, MSP, Black Knight Applications,  Gatew ay, Webtool, Webtrack, Lenderlive and Infosource. PROESSIONAL EXPERIENCE FHA Loss Mitigation Underwriting Specialist- EverBank/ GreenTree Services,Jacksonville, Florida - 11/2011 - Present. Assist home owners, HUD counselors and attorneys in loss mitigation efforts. Analyzed loan files for completeness and accuracy. Processed as well as made analyticalassessments of each mortgagors financial standing and was able to discuss the available options with homeowners and clients applying for loss mitigation assistance in a professional manner. Discuss and propose various workout options with mortgagors. Reviewed credit bureau reports and calculated income to determine debt ratios. Used and input data into waterfallcalculator. Approvaland denial of the following programs and agreements Repayment plans, Unemployment special forbearance, Traditionalloan modification and HAMP modification as well as Preparation and execution of these various agreements. Refer files to foreclosure also stop, postpone and place foreclosures on hold. Order fees and cost . Order and Review title reports for clear title. Filed extensions and variances through EVARS and Caivrs. Proper documentation of the workstation. Monitored and followed-up on planned payments. Participated in severalspecial projects such as LookBack assignments for loan files requested by Clayton and audited by the OCC. Assisted and coached new underwriting specialist. Loan Servicing/Loss Mitigation Specialist- Select Portfolio Services,Jacksonville, Florida - 11/2010 – 11/2011. Assist home owners, title companies, HUD counselors, insurance companies and other businesses in all inquiries regarding mortgage loans. Collect payments on current & delinquent loans, perform Escrow analysis, setup payoff quotes, and provide loan origination docs. Send 1098 statements, take verbalfinancials and analyze figures to submit appropriate workout solutions. Profound knowledge in mortgages & home loan modifications such as HAMP, SPS in house modifications, Forbearance Plans, HAUP Unemployment Plan, Hafa Short Sale, HAFA, Deed in Lieu, SPS Short Sale, SPS Deed in Lieu, and short payoffs. Case Relationship Manager- J.P. Chase Morgan, Jacksonville, Florida 11/2009 - 11/2010.Analyze loan files for completeness and accuracy. Assist in the approvalloan modifications and forbearance plans, while sustaining the proper line of business for review of file. Communicate directly w ith borrowers. Respond to complex inquiries, update tracking systems, order required documentation, conduct follow ups and generate appropriate notification letter to customers. Profound know ledge of Fannie Mae, Freddie Mac, Federal Housing Administration, Veterans administration, local programs and private investors. Customer Relations Specialist- Bellsouth/AT&T, Jacksonville, Florida – 8/2005 - 11/2009.Sold variety of products and services to new and existing customers.. Exceeded sales goals by using superior negotiation skills. Assisted residentialand w ireless cellphone customers with billing and adjustments. Trained incoming and current employees. AWARDS AND ACCOMPLISHMENTS Policy Council Holder Member, Jacksonville Urban League Headstart Program, 2004-2007 Diploma, Sandalw ood High School, 1999