Cara L.

Stretch
639 Murdock Rd.
Baltimore, MD 21212
410-377-0883
St. Ambrose Housing Aid Center, Baltimore, MD
May 2013-present
Director-Foreclosure Prevention Division
Plan, organize, coordinate and supervise the daily activities of the Foreclosure Department
Participate in the development and administration of the departments budget
Facilitate weekly meetings with counseling staff to review pipeline reports
Oversee the departments client management system to maintain data integrity, accuracy, security and
performance efficiency
Oversee all grant reporting and compliance for the department
Assist in development, implementation and management of foreclosure prevention community
presentations
Develop, monitor and maintain advertising effort for department
Serve as key spokesperson for the department
Supervise three full-time counselors
Collaborate with legal department to provide clients with both housing counseling and legal assistance as
needed
Help facilitate regular meetings with legal staff and counseling
Department of Labor, Licensing and Regulation
November 2010-May 2013
Division of Financial Regulation, Baltimore, MD
Director of Foreclosure Administration
Provided oversight of the States Notice of Intent to Foreclose (NOI) database project
Created and maintained outreach material based on the NOI project
Directed the agencys efforts related to foreclosure mediation and related topics including the federal loan
modification programs
Prepared and maintained materials for staff training about foreclosure laws and trends
Responded to escalated consumer inquiries
Represented the agency at foreclosure related events, interagency task forces and other forums; giving
presentations and providing outreach materials
Developed and maintained relationships with banks to assist homeowners facing foreclosure
Actively worked with legislatures and non-profits to ensure that the foreclosure process in Maryland
protects consumers while also working with the mortgage companies to implement practical measures
Worked with staff attorneys to draft legislation, foreclosure regulations and forms
Assisted in the development and implementation of the States Foreclosure Registry
Worked with Marylands Department of Housing and Community Development and local housing
counseling support agencies to coordinate training for housing counselors
Represented the agency on the Monitoring Committee of the National Mortgage Servicing Settlement
St. Ambrose Housing Aid Center, Baltimore, MD
June 14, 2010-November 2010
Managing Counselor-Foreclosure Prevention Division
Promoted from counselor to senior counselor
Oversaw two full-time counselors, administrative assistant, intake coordinator and volunteer

Facilitated one-on-one meetings with staff members as well as weekly staff meetings
Collaborated with Information Manager and Software Developer to create internal database that supports
our daily business
Completed funding requirements as required by grant agreements
Foreclosure Prevention Housing Counselor
December 2007-June 14, 2010
Provide counseling to low and moderate income families at risk of or in the process of losing their homes
due to foreclosure
Contact lenders to negotiate sustainable solutions based on affordability and programs available
Helped create best practices and work flow for expanding department
Participated in outreach and speaking engagements at events, conferences and workshops sponsored by
elected officials and community associations
Assisted in creating, editing and training presenters for an outreach series developed by the Baltimore
Homeownership Preservation Coalition
Obtained certification as a Personal Finance Educator for seniors as well as completed training to help
clients submit SSI/SSDI applications
Watermark, Annapolis, MD
March 2007-November 2007
Charter Sales
Outside sales and account management of private charters to both businesses and individuals in DC,
Baltimore and Howard County
Cultivated new client relationships through cold calling, prospecting and networking
Assisted in the planning process of major events
Developed and maintained relationships with vendors
Maintained 7 sales calls per week while consistently following up on incoming leads from internet and
phone
Attended trade shows, networking events and chamber functions
WMC Mortgage Corporation, Dallas, TX
December 2004-March 2007
Underwriter
Prepared detailed credit analysis of consumer loan applications preceding loan approval
Performed critical reviews of appraisals, employment history, credit and financial statements
Evaluated borrowers credit needs and ability to repay
Performed fraud monitoring and review
Approved loan applications based on investor guidelines
Designed and executed quarterly trainings showcasing products per industry trends
United Equity, LLC, Towson, MD
July 2003-December 2004
Corporate Educator (May 2004-December 2004)
Promoted from Senior Loan Processor to Corporate Educator
Evaluated files from the sales team and conducted daily education programs and training outlining ethics,
compliance and accountability
Worked individually with sales team and loan processors
Conducted group training for processors and sales teams
Senior Processor (July 2003-May 2004)
Reviewed mortgage files for completeness and accuracy
Explained financing options and loan terms available to consumers
Maintained a working knowledge of Investor guidelines
Balanced multi-faceted tasks in an effort to efficiently close loans

MBNA America, Hunt Valley, MD

February 2002-July 2003
Credit Analyst (March 2003-July 2003)
Promoted from Account Manager to Credit Analyst
Evaluated credit and income in an effort to acquire more customers
Account Manager (February 2002-March 2003)
Managed a portfolio of 150 delinquent accounts totaling $1.5 million
Selected to participate in a variety of development programs designed to increase senior management
skills
EDUCATION
Currently enrolled at Maryland University of Integrative Health, Laurel, MD
Masters of Science in Nutrition and Integrative Health (expected graduation-Summer 2015)
Certified Educator in Personal Finance through the Senior Citizens and Retiree Empowerment Education Network
(Project SCREEN)
Certified in Foreclosure Default Counseling by Neighborworks America
West Chester University, West Chester, PA
Bachelor of Arts, December 2001
VOLUNTEER/CLINICAL WORK
Corporate Wellness Program St. Ambrose Housing Aid Center (2014-2015)
Created 14-week nutrition education curriculum
Surveyed participants to assess behavior changes and improvement in knowledge of nutrition
Coordinated trip to famers markets
Demonstrated cooking techniques and new ingredients
Clinical Intern Maryland University of Integrative Health (2013-2014)
Wrote marketing material
Met one-on-one with clients interested in improving health through nutrition changes
Evaluated intake forms
Conducted one-on-one with a focus on Motivational Interviewing
Researched medical conditions and lab work results for clients
In partnership with supervisors presented recommendations to clients as well as tips to implement
Provided support outside of clinical setting to encourage clients behavior changes
Host of Allergy Cleanse (April 2013)
Developed marketing materials and established relationships with other wellness practitioners in an effort
to increase participation
Created a cleanse specific to managing seasonal allergies
Met one-on-one with four participants
Provided support outside of one-on-one setting to encourage success with cleanse
Provided other resources for clients based on intake and interview