1. Christina M. Moore
202 Sunhigh Drive
Thurmont, Maryland 21788
cmjmoore856@aol.com
(240) 288-8111 ~ home (301) 471-9296 ~ cell
STRENGTHS
Demonstrate clear communications,and solid multi-taskskills. Coordinate activities tostreamline
procedures and implement quality-driven process improvements. Possess abilities tosolve complex
problems with creativesolutions. Prefer working in a challenging environment. Establish priorities so
deadlines are met and exceeded. Maintain a responsibleand dependable workethic. Thrive in
independent or collaborativeteam environment.
EMPLOYMENT HISTORY
Loss Mitigation SME (Subject Matter Expert) CitiMortgage, Inc.
February 2015 tocurrent 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 reportingsystem template,milestones & open missingcases 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 aresufficient /
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 SubordinateDeed and if not found obtain it
from 1st American Title Company
 Run a weekly meeting for Quality Control & Booking departments toaddress weekly issues
 Assist with booking & claims departments todetermine correct information tosubmit to HUD
 Assist with booking, claims & closing departments to determine amount of current claims being
submitted toHUD
 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 assigningto correct
group older files that wereclosed that can now be worked
 Assist with booking & closing in the ordering of a title
 Assist booking with reworkingloans that werebooked / worked previously with errors that
need corrected
 Assist closing & quality control with reworkingloans that wereworked previously with errors
that need corrected but the root of the issue needs identified and resolved

2. Christina M. Moore Page 2
202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 cmjmoore856@aol.com
Loss Mitigation Underwriter CitiMortgage, Inc.
October 2008 to February 2015 Maryland Telecommuter
Assist mortgagers and third party corporations in servicingand underwritingdefault mortgages where
the titleholder is seeking a loan modification on first and second mortgageaccounts. Representation
includes CitiMortgage Inc., FHA, HUD, Freddie Mac and Fannie Mae. Provide prompt,courteous and
excellent service at an acceptablecost to all customers and operate in accordancewith the company's
Statement of Business Practices,AffirmativeAction Diversity and other standards.Actively cooperate
and interact with all entities of Citigroup.. Maintain NMLS certification, maintain knowledge of
FHA/HUD EVARS VarianceExtension 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 workethics and high
performance ability,effective July 2009 became a full-timetelecommuter employee. Essential job
functions include:
 Provide leadership and trainingto lower-level Account Representatives;
 Provide customers multipleforeclosure alternatives;
 Provide escrow account management
 Loan Modification, Partial Claim,Repayment Plans, and Short-Salenegotiations;
 Perform credit and property analysis on conventional and government loan files submitted
within thetime frame established by departmental management.
 Adequately and effectively explain in written and verbal form thedecision reached in a manner
that will maintain a positiverelationship with all customers.
 Perform timely reviews of conditions submitted,as well as loan resubmissions.
 Handle higher risk loans.
 Analyze challenging loan packages to determine alternativesolutions.
 Process agency/investor exception requests as needed.
 Audit delegated level II underwriter loans
 Represent the department for Foreclosure Rescinding procedures

3. Christina M. Moore Page 3
202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 cmjmoore856@aol.com
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 ofmonies, loan payments,tax payments,bond sales / redemptions,American
Express product sales, etc. Provided tellers with weekly reports totracksales, 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 inactiveprocessing
 Branch product merchandizingand 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,transferringof 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, purchaseCD’s, and to other bankproducts.

4. Christina M. Moore Page 4
202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 cmjmoore856@aol.com
Customer Service Representative CitiMortgage, Inc
October 2004 to October 2005 Frederick, Maryland
Assisted mortgagers and third party financeescrow corporations in servicingand 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
accomplishinghigh performance results. April 2005 Top Performer for increased CitiMortgage lines of
credit and in-house referrals for insuranceupgrade 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 Insurancepayment details;
 Mortgage payment processingand application;
 Refinancing negotiations;
 Home equity line-of-credit negotiations.
Cutomer Care Unit Representative BankOne
February 2004 toJuly 2004 Frederick, Maryland
Primary collections representativeof corporatebad debt. Representation included BankOne, FirstUSA,
Chase Bank and Circuit City. Reliance upon my interpersonal and effective communication skills proved
vital in consistently meetingand exceeding department’s collection threshold. Essential job functions
included:
 Provided leadership to lower-level Account Representatives;
 Reduced aging of Accounts Payablefrom 180 to 210 days to current status or zerodollar balance;
 Maintained exemplary records management of the FDR database;
 Aggressively managed lines of communication with business partners and customers to
guaranteeconsistent,timely cash flow;
 Initiateand completion of account reconciliation as required;
 Maintenance of appropriatecollections controls and satisfactory audit postureof meeting or
exceeding 85% call quality;
 Completed internal debt consolidation and settlements;
 Exercised continuous process improvements tocall quality procedures;
Provided superior customer service and consultation in order to reduce customer debt

5. Christina M. Moore Page 5
202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 cmjmoore856@aol.com
EDUCATION
WalkersvilleHigh 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

6. Christina M. Moore Page 6
202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 cmjmoore856@aol.com
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: mark.w.lohr@citi.com
I appreciate your time.
Sincerely,
Mark W. Lohr

7. Christina M. Moore Page 7
202 Sunhigh Drive (240) 288-8111 / (301) 471-9296
Thurmont, MD 21788 cmjmoore856@aol.com
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
Aperez126@hotmail.com