Ashim R. Andrews__________________________________________________13024 Sanctuary Cove Drive #202 Temple Terrace Fl. 33637sheem75@gmail.com (813-361-1066)

Career Objective:Enclosed you will find a copy of my resume for consideration of a position withinyour corporation. As you will discover, the last several years of my professionalexperience have been dedicated to employment within the financial industry. Duringthis interval I havesuccessfully gained beneficial experience from occupying several positions andincreasing my overall comprehension of the various functionalities with in this field.I am confident that my 16 years of qualified experience in customer service andleadership capabilities will serve an asset to your growing organization.I look forward to meeting with you regarding a position suitable to the skills I offer.Please contact me at your earliest convenience to discuss this opportunity.Sincerely,Ashim R. Andrews

Professional Experience:

Rate Modification Specialist 10/08-PresentHSBC Financial: Tampa, Florida

· Consult and Educate customers on how to avoid foreclosure.· Restructure the current terms of the customers mortgage to make their

payments more affordable and within their budget.· Lower interest rates and extensions on customers loan terms· Discuss exit strategies: Short Sale or Deed in Lieu· Enforce the Call Model.· Negotiate payment arrangements on loans that are past due on modification

Loss Mitigation Specialist 01/06-10/08HSBC Financial: Tampa, Florida

· Perform analysis of assigned real estate accounts to determines and initiateappropriate action, which may include collection, loss mitigation, short salenegotiation and/or foreclosure. Direct interaction with attorneys, trustees,realtors, etc to ensure proper and timely follow-up when needed.

· Complete credit analyses on existing loans secured by real estate to pro-actively identify opportunities to mitigate the Company's Loss Exposure.

· Analyze assigned real estate accounts to ascertain and initiate appropriateaction, which may include recommendation of foreclosure, negotiation ofhardship, including loan workout, short sales and deed in lieu of foreclosure.

· Correspond with all parties necessary to obtain requisite information toanalyze and process cases.

· Prepare appropriate forms on existing and proposed commitments; ensurecomplete documentation and compliance within established guidelines.

· 130% of goal monthly

Collection Specialist 07/99-01/06HSBC Financial: Tampa, Florida

· Pre-Foreclosure mortgage collections on accounts 30 to 89 days ofdelinquency.

· Recipient of numerous major awards, bonuses, and travel incentives.· Consistently achieves 130% of market collections goals.· Identifying and resolving customer inquiries regarding delinquent accounts

prior to pre-charge off status.· Negotiate settlements within authorized levels with the use of effective

negotiation skills and communication skills.· Data Entry, reporting, inbound/outbound calls, analysis counterfeit reports,

etc.

Quality Control/Teller Support Specialist 3 10/99-12/00Bank of America: Tampa, Florida

· Data Entry, reporting, inbound/outbound calls, analysis counterfeit reports,etc.

Vault Teller 12/97-06/99Barnett/Nations Bank: Tampa, Florida

· Data entry, proper maintenance of teller retention, and records keeping.

Customer Service 07/97-10/97Western Auto: Christiansted, St. Croix USVI

· Customer service, date entry, parts specialist, and special ordering.

Department Supervisor 08/93-07/97K-Mart Department Store: Fredricksted, St. Croix USVI

· Supervision of ten employees, arrangement of schedules, customer service,data entry, ordering merchandise, and price auditing.

Education:Frank H. Morrell High School: Irvington, New Jersey

· Academic and business related courses.St. Croix Central High School: Kings Hill, St. Croix USVI

· Completed Academic related courses.· Received high school diploma and various awards.

Reference: Will provide upon request.

To Whom It May Concern:

It is my absolute pleasure to write this letter of recommendation for Mr. Ashim Andrews.I have had the gratification of observing Mr. Andrews’s professional development overthe past two years, and I can state with confidence that he is a motivated and responsibleperson with a extraordinary degree of integrity. In respect, I trust that he will be a veryconstructive addition to your institution.

As a Leader in the Management of Single Point of Contact - Collections, I feel that Iknow Mr. Andrews personally. In this role, he had a considerable amount ofresponsibilities, and he handled them fluently. He showed his skills to communicate withboth customers and the mortgage servicing staff, and due to his dedication and attentionto detail, my department saw an increase in overall liquidation and cash collections monthover month.

Mr. Andrews takes the initiative to identify problems and devise solutions. In a role thatrequires strong communication skills, he has shown that he not only has these skills, butthat he also has the ability to inspire respect and cooperation in teammates. He hasexhibited that he is a very intelligent person with a mind well-suited to the world ofprofessional business and customer service management.

Based on my observation, Mr. Andrews clearly has the pursuit to excel in this field, andbased on his performance, he clearly has the ability to achieve the success desired.Therefore I highly recommend him to your organization without reservation. I sincerelyhope that you give his application favorable consideration. If you need any furtherinformation about Mr. Andrews, please do not hesitate to contact me.

Sincerely,

Vernon D WhiteUnit Manager | CML SPOC Primary | HSBC Bank USA, N.A.636 Grand Regency Blvd, Brandon, FL__________________________________________________

Phone 813-571-8896Email vernon.d.white@us.hsbc.com__________________________________________________