Summary
Overview
Work History
Education
Skills
Timeline
Generic

SYBIL JONES

Loss Mitigation Specialist
Mesa,AZ

Summary

Strong background in customer interactions and servicing solutions. My background is extensive in Loss Mitigation for the last 16 years, with focuses on Loan Modifications and Short Sales.

Overview

35
35
years of professional experience

Work History

customer service representative/home loans

Bank of America
08.2010 - 02.2013
  • Company Overview: One of the largest banks that handle home loans in the industry right now
  • Manage all customer initiated requests relating to loan servicing in a contact center environment
  • Assist customers with questions and concerns regarding their accounts by phone and or correspondence
  • I am accountable for the successful resolution of all requests from beginning to end
  • Also handle escalated issues
  • One of the largest banks that handle home loans in the industry right now

customer service consultant/loss mitigation processor

SSNG
01.2009 - 08.2010
  • Company Overview: Short sale negotiating company, loss mitigation
  • Received inbound calls for short sale negotiation
  • Resolved customer complaints and billing issues in reference to mortgage payments
  • Negotiated new payment terms for loan modifications
  • I accepted calls from new clients
  • I provided clients with oral and written communication
  • Short sale negotiating company, loss mitigation

business customer service consultant

DTE Energy
08.1998 - 01.2009
  • Company Overview: Largest Electric and Gas Company in Michigan
  • Calculating, verifying and revising complex customer billing inquiries, customer complaints, and service related calls for residential and commercial customers in accordance with the Michigan Public Service Commission guidelines
  • Responding to service and trouble related calls from police, fire departments and primary commercial customers
  • Processed trouble orders such as gas leaks/power outages
  • Negotiated payment arrangement agreements, processed payments and placed new installation orders for both gas and electric customers
  • Provided extensive follow-up with oral and written communication for internal and external customers
  • Largest Electric and Gas Company in Michigan

supervisor

Oakbrook Financial, inc.
03.1996 - 08.1998
  • Company Overview: Check Cashing company with payday advances
  • Provided supervision in absence of owner, setting up payment arrangements, handled escalated customer complaints in a tactful manner, fielded general customer inquiries on the phone and in person
  • Check Cashing company with payday advances

Head teller

NBD BANK
02.1989 - 03.1996
  • Company Overview: One of the largest banks in Michigan at the time, it is now Chase
  • Acted as back-up in management by opening commercial checking and savings accounts and resolving a variety of customer problems
  • Such as error correction, account reconciliation, loss of instruments and address changes
  • Generated large dollar activity reports to the federal government
  • Extensive cash handling experience
  • One of the largest banks in Michigan at the time, it is now Chase

Loss Mitigation Specialist

Specialized Loan Servicing/Computershare
Tempe, Arizona
02.2013 - 05.2024

Inbound/Outbound call center. Gathered supporting and required documentation to create possible homeowner options for retaining their property such as: Loan modification packages, repayment plans, or forbearance options all within compliance timeframes for the investor, CFPB and state and federal guidelines. Worked with homeowners that did not qualify for previous assistance options with Short Sale reviews or sale options or Reinstatement options to avoid foreclosure. Ensured documents are complete and accurate before submitting to underwriting for decision. Spoke with Realtors, Homeowners, Title Companies, and Underwriters during this process. Maintained regular communication through phone, email, and written correspondence. Monitored progress so that deadlines were met. Completed daily task within company timelines. Also completed any other duties as assigned.

Education

diploma -

Benedictine High School
Detroit, Michigan
05.1983

none -

Lawrence Technological University
Southfield, Michigan
06.1984

none -

Oakland county community college
Southfield, Michigan
05.1992

Skills

Default Management

Collections experience

Negotiation expertise

Coordinating records

Bankruptcy knowledge

Debt Restructuring

Foreclosure Prevention

Loan Modification

Portfolio Management

Data Interpretation

Underwriting processes

Mortgage servicing understanding

Underwriting understanding

Mortgage processes knowledge

Submitting files

Teamwork and Collaboration

Customer Service

Attention to Detail

Leadership skills

Adaptability and Flexibility

Document Review

Document analysis

Professionalism

Timeline

Loss Mitigation Specialist

Specialized Loan Servicing/Computershare
02.2013 - 05.2024

customer service representative/home loans

Bank of America
08.2010 - 02.2013

customer service consultant/loss mitigation processor

SSNG
01.2009 - 08.2010

business customer service consultant

DTE Energy
08.1998 - 01.2009

supervisor

Oakbrook Financial, inc.
03.1996 - 08.1998

Head teller

NBD BANK
02.1989 - 03.1996

diploma -

Benedictine High School

none -

Lawrence Technological University

none -

Oakland county community college
SYBIL JONESLoss Mitigation Specialist