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Christina M. Moore
202 Sunhigh Drive
Thurmont, Maryland 21788
(240) 288-8111 ~ home (301) 471-9296 ~ cell
STRENGTHS
Demonstrate clear communications, and solid multi-task skills. Coordinate activities to streamline
procedures and implement quality-driven process improvements. Possess abilities to solve complex
problems with creative solutions. Prefer working in a challenging environment. Establish priorities so
deadlines are met and exceeded. Maintain a responsible and dependable work ethic. Thrive in
independent or collaborative team environment.
EMPLOYMENT HISTORY Loss Mitigation SME (Subject Matter Expert) CitiMortgage, Inc.
February 2015 to current Maryland Telecommuter
Complete and add to document system all missing checklists for all teams in the FHA portfolio
for CMI MOD Fulfillment Compliance Auditing
Correct assist coding, default reporting system template, milestones & open missing cases for all
teams in the FHA portfolio for CMI Default Control
Review all escalated files for upper management, HUD, CMI Default Business Control, and CMI
Default & Performing Services
Review current process and procedures manual to determine if current guidelines are sufficient /
relevant
Assist with booking & closing department for the completion of older delegation loans needing
the final decision completed
Pull FHA connection report for booking & closing departments
Work on a project to determine if / locate recorded Subordinate Deed and if not found obtain it
from 1st American Title Company
Run a weekly meeting for Quality Control & Booking departments to address weekly issues
Assist with booking & claims departments to determine correct information to submit to HUD
Assist with booking, claims & closing departments to determine amount of current claims being
submitted to HUD
Assist with Quality Control, Booking & Closing department for peer rejection loans
Assist with our Homeowners Support Specialists (HOSS) for loans with issues / concerns /
clarification, ect
Assist booking, Closing & HOSS with reopening loans, verify payments and assigning to correct
group older files that were closed that can now be worked
Assist with booking & closing in the ordering of a title
Assist booking with reworking loans that were booked / worked previously with errors that
need corrected
Assist closing & quality control with reworking loans that were worked previously with errors
that need corrected but the root of the issue needs identified and resolved
Christina M. Moore Page 2 202 Sunhigh Drive (240) 288-8111 / (301) 471-9296 Thurmont, MD 21788 [email protected]
Loss Mitigation Underwriter CitiMortgage, Inc.
October 2008 to February 2015 Maryland Telecommuter
Assist mortgagers and third party corporations in servicing and underwriting default mortgages where
the title holder is seeking a loan modification on first and second mortgage accounts. Representation
includes CitiMortgage Inc., FHA, HUD, Freddie Mac and Fannie Mae. Provide prompt, courteous and
excellent service at an acceptable cost to all customers and operate in accordance with the company's
Statement of Business Practices, Affirmative Action Diversity and other standards. Actively cooperate
and interact with all entities of Citigroup.. Maintain NMLS certification, maintain knowledge of
FHA/HUD EVARS Variance Extension System and participate / maintain knowledge of
Telecommunication Court Appearance procedures. During 2010, 2011 , 2012, 2013 & 2014 was one of, if
not the, top performer in the department / on team for approved home mortgage loan modifications for
CitiMortgage mortgagors seeking home retention. Due to having excellent work ethics and high
performance ability, effective July 2009 became a full-time telecommuter employee. Essential job
functions include:
Provide leadership and training to lower-level Account Representatives;
Provide customers multiple foreclosure alternatives;
Provide escrow account management
Loan Modification, Partial Claim, Repayment Plans, and Short-Sale negotiations;
Perform credit and property analysis on conventional and government loan files submitted
within the time frame established by departmental management.
Adequately and effectively explain in written and verbal form the decision reached in a manner
that will maintain a positive relationship with all customers.
Perform timely reviews of conditions submitted, as well as loan resubmissions.
Handle higher risk loans.
Analyze challenging loan packages to determine alternative solutions.
Process agency/investor exception requests as needed.
Audit delegated level II underwriter loans
Represent the department for Foreclosure Rescinding procedures
Christina M. Moore Page 3
202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 [email protected]
Head Teller / Teller Supervisor Chevy Chase Bank
May 2007 – October 2008 Frederick, Maryland
21703
Performed various customer services as well as managed fellow employees. Handled deposits,
withdrawals, transfer of monies, loan payments, tax payments, bond sales / redemptions, American
Express product sales, etc. Provided tellers with weekly reports to track sales, and personally exceeded
quarterly goals as a means to enhance customers’ experience and to better build customer -client
relationships. Essential job functions include:
Supervisor responsibilities
Monthly branch and cash drawer audits
Branch retention
ATM processing / settling / replenishment
Branch inactive processing
Branch product merchandizing and purchasing
Branch cash ordering
Cashier check signing
Over-rides for tellers
Vault management / custodian
New Hire Training
Daily Branch settlement
Branch Opening and Closing Supervisor
Teller Farmers & Mechanics Bank
October 2005 to February 2006 Frederick, Maryland
Assisted bank customers with cash withdrawals, transferring of monies, pay check cashing, and
depositing. Made money orders for customers, as well as typed up Travelers Checks. Referred potential
customers to management to open new accounts, purchase CD’s , and to other bank products.
Christina M. Moore Page 4
202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 [email protected]
Customer Service Representative CitiMortgage, Inc
October 2004 to October 2005 Frederick, Maryland
Assisted mortgagers and third party finance escrow corporations in servicing and implementing upgrade
of current first and second mortgage accounts. Representation includes CitiMortgage, Inc. and First
American Tax Corporation. Effective communications and negotiation skills are instrumental in
accomplishing high performance results. April 2005 Top Performer for increased CitiMortgage lines of
credit and in-house referrals for insurance upgrade and loan refinancing. Essential job functions include:
Provide leadership to lower-level Account Representatives;
Provide customer pay-off balance;
Provide escrow account management
o Tax payment details
o Insurance payment details;
Mortgage payment processing and application;
Refinancing negotiations;
Home equity line-of-credit negotiations.
Cutomer Care Unit Representative BankOne
February 2004 to July 2004 Frederick, Maryland
Primary collections representative of corporate bad debt. Representation included BankOne, FirstUSA,
Chase Bank and Circuit City. Reliance upon my interpersonal and effective communication skills proved
vital in consistently meeting and exceeding department’s collection threshold. Essential job functions
included:
Provided leadership to lower-level Account Representatives;
Reduced aging of Accounts Payable from 180 to 210 days to current status or zero dollar balance;
Maintained exemplary records management of the FDR database;
Aggressively managed lines of communication with business partners and customers to
guarantee consistent, timely cash flow;
Initiate and completion of account reconciliation as required;
Maintenance of appropriate collections controls and satisfactory audit posture of meeting or
exceeding 85% call quality;
Completed internal debt consolidation and settlements;
Exercised continuous process improvements to call quality procedures;
Provided superior customer service and consultation in order to reduce customer debt
Christina M. Moore Page 5 202 Sunhigh Drive (240) 288-8111 / (301) 471-9296 Thurmont, MD 21788 [email protected]
EDUCATION Walkersville High School, Class of 2003
Frederick Community College, Business Major, August 2002 – February 2003
REFERENCES
Abraham Perez III Unit Manager, CitiMortgage
Telephone: (240) 527-3493 Deb Fleegle
Team Lead, CitiMortgage Telephone: (301) 992-0744
Joseph Hutchinson Branch Manager, Chevy Chase Bank (Now Capital One Bank)
Telephone: (301) 353-0812 Jessica Cissel
Multiple Branch Banker, Capital One Bank (Formerly Chevy Chase Bank) Telephone: (301) 663-7840
Steven Brady Branch Manager, Farmers & Mechanics Bank (Now PNC Bank)
Telephone: (301) 682-3282
Linda Rose Supervisor, CitiMortgage Telephone: (301) 696-4291
Joel Durane
Manager, BankOne (Now JP Morgan Chase) Telephone: (301) 620-3167
Rhonda Farrell Manager, JC Penney Co.
Telephone: (301) 662-7110 Extension 206 Elizabeth Rogers
Manager, JoAnn’s ETC. Telephone: (301) 662-8500
Christina M. Moore Page 6 202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 [email protected]
LETTER OF REFERENCE
Good day!
I am writing this letter of reference for Christina Moore.
I’ve known Christina for the past 6 years-both personally and professionally. Professionally I was a peer as well as her Underwriting Manager when I was in Loss Mitigation.
When I was her Underwriting Manager, Christina was one of my top performing Underwriters.
Her attention to detail and ability to adapt to the constant changes that became part of underwriting allowed her to standout. During my time as Underwriting Manager her scores were never less than 95%. When we were training an offshore group to learn an underwriting process,
I had chosen Christina because I knew she had the patience, management skill set and ability to handle the project. She also served as SME (Subject Matter Expert) when we updated policy and
procedures. She was also tasked to work numerous high level reports because she is able to work without any supervision, the ability to take direction and process information quickly and also her ability to communicate the final outcome to various levels of management.
Christina’s skill set (project management skills, work ethic, ability to adapt to change, attention to detail and ability to speak to any level of peers , management and senior level management)
makes it possible for me to offer this recommendation without any qualms - she would be a welcome addition to your team / group.
If you would like to speak to me in more detail about Christina, you can reach me at the following:
Work Number: 301-714-5886 Cell number: 717-261-6782 Email Address: [email protected]
I appreciate your time.
Sincerely, Mark W. Lohr
Christina M. Moore Page 7 202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 [email protected]
LETTER OF REFERENCE
To Whom It May Concern:
This is to certify that Christina Moore has been an employee of CitiMortgage, Inc., from October 2004 through October 2005 and since October 2008 to current.
During her tenure, we found her to be proactive and a self-starter who is highly motivated. She has exceptional learning capabilities, is duty bound and a committed team player. She possesses
a strong conceptual knowledge of the FHA Loss Mitigation Underwriting Guidelines and requirements. Christina works well in a fast paced environment, providing a quick resolution to all required and requested tasks.
During her service at CitiMortgage, Inc., Mrs. Moore has proven to be efficient, punctual and
hardworking and has performed all tasks assigned to her at an exceptional level. She continually went above and beyond to assist her fellow teammates, and borrowers. She was also a key person with developing new and improved policies and procedures for the department, as well as
training her peers whenever the need arose.
We strongly recommend her and wish her all the best in her future endeavors. Sincerely,
Abraham Perez, III Unit Manager/AVP
240-527-3493 [email protected]
