Open to opportunities

Charise King

@chariseking

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Mortgage loss mitigation specialist with deep compliance expertise and proven borrower workout results.

United States

Message

What I'm looking for

I seek a role helping delinquent borrowers through compliant loss mitigation and default servicing, with collaborative teams, clear processes, and growth in compliance leadership.

I am a mortgage loan servicing professional focused on loss mitigation, borrower counseling, and regulatory compliance. I bring extensive experience working in high-volume call center environments to help delinquent borrowers secure sustainable workout solutions.

My background includes hands-on processing of loan modifications, forbearance plans, deferrals, trial payment plans, and full familiarity with investor programs such as CHAMP, HAMP, FNMA, FHLMA, FHA and SCRA. I routinely prepare files for underwriting and manage pipelines to ensure timely, compliant case flow.

I have strong working knowledge of bankruptcy chapters 7, 11 and 13, foreclosure timelines, escrow calculations, payoff and reinstatement quotes, and a broad set of loan products including HELOCs, adjustable-rate mortgages, recasts, and short sales. I maintain high QA scores and use reporting tools to track account status and performance.

I prioritize clear borrower communication, collaboration with legal counsel and internal teams, and strict adherence to regulations including TILA, RESPA, FDCPA, GLBA and related consumer protection statutes to reduce loss and improve borrower outcomes.

Experience

Work history, roles, and key accomplishments

Current

Loss Mitigation Specialist

Current

Customer Ally

Mar 2024 - Present (2 years)

Serve delinquent borrowers in a call center to evaluate and process loss mitigation options, coordinate with attorneys and courts on bankruptcy cases, and manage payments, reinstatements, and workout documentation to prevent foreclosures.

Loss Mitigation Bankruptcy Chapters 7 11 13 Mortgage Servicing Customer Service MS Excel

Mortgage Assistant Specialist

Union Bank - US Bank

May 2021 - Jun 2023 (2 years 1 month)

Supported delinquent borrowers with forbearance, repayment and deferral arrangements, collected payments and escrow information, and communicated payoff details while handling HELOC and second-lien scenarios.

Repayment Plans Escrow Collections Payment Processing Loan Recasting Client Communication

Relationship Manager

JPMorgan Chase

Nov 2016 - Apr 2021 (4 years 5 months)

Reviewed and validated loan documentation for compliance with investor guidelines (CHAMP, HAMP, FNMA, FHLMC, FHA, SCRA), managed loan pipelines, and prepared files for underwriting to ensure timely, accurate loan processing.

Loan File Review Underwriting Pipeline Management Data Validation & Compliance

Loss Mitigation Specialist

JPMorgan Chase

Mar 2015 - Nov 2016 (1 year 8 months)

Managed high-volume default loan modification pipelines, reviewed documentation against changing investor guidelines, and coordinated with internal teams to support borrowers through modification processes.

Investor Guidelines Pipeline Reporting Customer Support Document Review