CJ NIES

cna867f6@westpost.net
513-786-8873

QUALIFACATIONS:
* 3+ years experience in Loss Mitigation
* 3+ years experience working with Short Sale files
* Resolved 175 files per month
* Realtor for 28 years working with attorneys, title companies, and principals t
o ensure timely closings.
* Worked with REO, mortgage companies. Appraisers, inspectors, and contractors
to correct issues with property.
* Worked on locating new home for clients, negotiating loans on pending sales, w
orked with Title Company on Closing, scheduled inspections, and worked closely w
ith other Realtors working out sale price, terms, etc. for new contracts all sim
ultaneous.
* Negotiated land contracts, deed in lieu, short sales, and have been member of
million dollar club.

TECHNICAL SKILLS: Microsoft Excel and Word, AS400, Internet, Skip tracing

EXPERIENCE:
Web MLS Real Estate, Cincinnati OH
January 2009 to present
Realtor
* Working foreclosures and short sales using MHA Freddie Mac and Fannie Mae guid
elines
Principal Mitigation Corporation Cincinnati OH
March 2009 to present
Contract Loss Mitigation Consultant (Part-time)
* Resolve delinquent accounts Fannie Mae, Freddie Mac, Bank owned, & FHA
* Negotiate with home owners via short sale, deed in lieu, and repayment plans,
to curtail losses
* Working 5 to 10 cases per month as company is a start- up
Fifth Third Bank Cincinnati, OH
October, 2006 to December 31, 2008
Loss Mitigation Specialist / Recovery Specialist
* Skilled negotiator and loss mitigation specialist
* Resolved delinquent accounts Fannie Mae, Freddie Mac, Bank owned, & FHA
* Negotiated with home owners via short sale, deed in lieu, and repayment plans,
to curtail losses to bank. Saved over four and half million alone in November
, 2008.
* Caseload of 1250 to 150 files monthly
* Skilled on resolving high case load while always insuring every account is cur
ed to satisfaction.
* Assisting account holders in late stage of delinquency .
* Worked to resolve long term financial issues and negotiate payment plan that w
ill reduce loss to Fifth Third
* Resolve issues and work out agreement that will cure the delinquency.
* Assisting the account holder the loan to ensure that it does not proceed to fo
reclosure.
Master's Pharmaceutical Inc, Cincinnati, OH
July 2006 to October 2006.
Credit department
* Resolving discrepancies and collecting on ninety plus aged accounts.
* Involved in Resolving old issues that resulted in delinquency issues
* Responsible for resolution of various financial issues and concerns for the cl
ients
Federated Department Stores, Cincinnati, OH
February 2005-October 2006
Recovery Specialist
* Collected Macy's past due accounts for First Automatic Systems and Technology.
* Always was in top bracket with July being top collector of all fifty associate
s.
Surgical Appliance Inc Cincinnati, OH
October 1999 to January, 2005
Credit Manager, Recovery Specialist
* Successfully managed medical manufacture of six associates to generate collect
ion of accounts from thirty days to over two years aged.
* Set up E-Z-Pay system to expedite payments. Retrained associates to focus and
maintain objectives, while developing relationships with customers.
* Successfully negotiated and collected all past dues within a span of two years
, with none being sent to outside collection service as had been the company's o
nly option prior to setting new guide lines.
GE card services, Cincinnati, OH
April 1998 to October 1999
Recovery Specialist
* Did collection of all stages of delinquency and cured the account.
* Top collector and always first in ACH.
Data Com Facilities, Cincinnati, OH
Oct 1994 to April 1998
Executive Secretary
* Prepared P&L statements accounting department, promoted to accounts payable ma
nager.
* Maintained financial controls and paid bills for ten department stores.
* Resolved all vendor discrepancies and managed seven employees.