Jason Ransom
Richmond,VA
Summary
- Skills General: Mortgage Professional Specializing In all Services Related to Mortgage. Detailed and Task-Oriented. Skilled in Mortgage Servicing, Financial Analysis and Problem solving. Accomplishments:
- National Honor Society. TECHNICAL EXPERIENCE: MS Office, PLX, MSP, BLACKNIGHT, EMSP, CMC, FILENET, LPS Desktop, Clarifier, Core logic, Vision, MS Word, MS Excel, MS PowerPoint, Basic Internet, Customer Service, Collections, Call Center, Billing, Sales, Caseaware, Equator, Tempo, Vendor Scape, Pacer, Salesforce, Touchpoint, nCino, Sassy
Experienced with managing collections and reducing outstanding debts effectively. Utilizes strategic approaches to improve recovery rates and streamline processes. Track record of strong negotiation and communication skills, ensuring positive client interactions and successful debt resolutions.
Overview
10
10
years of professional experience
Work History
Collections Officer III (Contractor)
Virginia Housing Authority
10.2024 - 03.2025
- Managed a portfolio of delinquent accounts and implemented effective collection strategies to minimize default.
- Contacted customers to negotiate payment arrangements, resolve billing disputes, and address inquiries related to outstanding balances.
- Utilized skip tracing techniques to locate and contact debtors with overdue accounts.
- Maintain accurate records of collection efforts and updated account statuses in the company’s database.
- Collaborated with internal teams and external agencies to escalate accounts for legal action when necessary.
TITLE SPECIALIST III (RESIDENTIAL AND COMMERCIAL)
SELENE FINANCE
06.2023 - 04.2024
- Managed a broad range of title examinations, including residential, commercial, industrial, and multi-family developments.
- Conducted searches and examinations of title records to identify any outstanding liens, encumbrances, and other title defects.
- Examined commercial properties industrial land or rural land, farmland properties
- Reviewed various recorded and unrecorded land records, leases, subleases, acreage, liens, judgments, easements. Drafted detailed reports outlining title issues and title commitments for real estate.
FORECLOSURE SPECIALIST III
SELENE FINANCE
01.2022 - 06.2023
- Reviewed loan file to ensure that all guidelines including the investor, guarantor, State/Federal are met.
- Reviewed package to ensure that all documents were completed correctly and in compliance with policies and procedures.
- Serviced mortgage accounts to ensure that foreclosures are processed in compliance with all state and federal laws while maintaining compliance with Investor, Insurer Agency and company guidelines.
- Promoted within Company
TITLE CLEARANCE ANALYST
AMROCK TITLE
02.2021 - 12.2021
- Corresponded with vendors to obtain necessary documentation to assist with title clearance issues.
- Communicated updates to internal and external clients for outstanding title conditions.
- Reviewed trusts, divorces, probate, land contracts and other types of conveyance instruments for compliance in the issuance of title insurance. Reviewed title commitments and title searches.
PROJECT MANAGEMENT
Capital One
09.2020 - 02.2021
- Established and maintained execution plans and tracked project progress and performance to established budgets.
- Interfaced with production teams and coached them in the benefits and use of iDS technologies and methods.
- Represented the organization of specific projects and developed project presentations and white papers.
FORECLOSURE SPECIALIST III
BWW LAW GROUP LLC
08.2015 - 03.2020
- Managed a large portfolio of real estate secured loans that are in foreclosure.
- Worked closely with outside attorneys/vendors to oversee foreclosure actions while maintaining HUD timelines including meeting all 1st legal deadlines. Prepared accurate judgment figures, payoffs, and reinstatements.
- Performed more complex functions including obtaining releases for prior liens, reviewing divorce decrees and property settlement agreements, trusts and corporate documents for LLCs, LPs, and corporations.
COLLECTIONS OFFICER
Virginia Housing Authority
06.2019 - 10.2019
- Contacted customers with overdue accounts and collect the overdue amount or negotiate a payment plan to collect it in installments.
- Skip searched data to locate customers who have moved or changed phone numbers. Maintained records of contacts with delinquent account customers as well as records of any payments collected from the customer.
- Resolved customer issues and complaints concerning billing. Adhered to FNMA, FHA, VA, GNMA, and FDCPA guidelines to maintain compliance.
BANKRUPTCY MOTION FOR RELIEF (MFR) SPECIALIST
BWW LAW GROUP LLC
05.2015 - 08.2015
- Managed Motion for relief from stay files referred to by clients. Executed various searches & worked on several clients' systems.
- Monitored a high volume of work and be organized.
- Worked in conjunction with attorneys to ensure case files are accurate and complete.
- Promoted within company.
Education
Real Estate Degree -
Mosley Flint School of Real Estate
01.2012
Bachelor of Science - Criminology
Virginia Commonwealth University
12.2004
Pursuing Degree - undefined
Virginia Union University
05.2002
Skills
- Real Estate
- Portfolio Management
- Mortgage Loans
- Databases
- Criminology
- Contract Management
- Microsoft Excel
- Knowledge of Finance
- Fair Debt Collection Practices Act
- Touchpoint
- Customer Service
- Analytical Thinking
- Problem Solving
- Easement
- Foreclosures
- Insurance Management and Aftercare
- Billing Processes
- Microsoft PowerPoint
- SalesforceCom
- Negotiation Skills
- Microsoft Office
- Bankruptcies
- Microsoft Word
- Project Management
- Biology
- Coordination Skills
- Strong negotiation skills
- Verbal and written communication
- Data research and analysis
- Data entry proficiency
- Debt recovery expertise
- Telephone etiquette
- Assertiveness
- Foreclosure preparations
LANGUAGES
English
Timeline
Collections Officer III (Contractor)
Virginia Housing Authority
10.2024 - 03.2025
TITLE SPECIALIST III (RESIDENTIAL AND COMMERCIAL)
SELENE FINANCE
06.2023 - 04.2024
FORECLOSURE SPECIALIST III
SELENE FINANCE
01.2022 - 06.2023
TITLE CLEARANCE ANALYST
AMROCK TITLE
02.2021 - 12.2021
PROJECT MANAGEMENT
Capital One
09.2020 - 02.2021
COLLECTIONS OFFICER
Virginia Housing Authority
06.2019 - 10.2019
FORECLOSURE SPECIALIST III
BWW LAW GROUP LLC
08.2015 - 03.2020
BANKRUPTCY MOTION FOR RELIEF (MFR) SPECIALIST
BWW LAW GROUP LLC
05.2015 - 08.2015
Bachelor of Science - Criminology
Virginia Commonwealth University
Pursuing Degree - undefined
Virginia Union University
Real Estate Degree -
Mosley Flint School of Real Estate
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