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Click here or scroll down to respond to this candidateBMBE&#Street Address ;LINDA MCKENNEYEMAIL AVAILABLE PHONE NUMBER AVAILABLE Forney, TX Street Address WWW: Bold ProleExperienced nancial professional with a demonstrated history of working in Real Estate, AML and Government Sponsored Programs. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working eectively unsupervised and quickly mastering new skills. 7a Loan Post-ServicingKnowledge of SOP 50-10OFAC/PEPSAR (Semi Annual Reporting)Guaranty Purchase Tracking System (GPTS)SAR (Suspicious Activity Reporting)Verbal and written communicationDocumentation ReviewAnalytical SkillsPortfolio ManagementRegulatory ComplianceRisk level determinationForensic researchKYCCDDEDDCIPSmall Business Administration LittleRock, ARLoan Specialist Full-Time 40hrs Wkly05/2020 - CurrentGather and review facts and data relating to the loan balance, lien situations, collateral, interests of other creditors, and any assets of the borrower which may provide recovery to the AgencyPerform purchasing, liquidation, extension to the liquidation period, billing for non-compliance, SAR reporting and charge-o of delinquent loans or potentially delinquent loans.Review liquidation plans setting out the steps to be followed to achieve the orderly liquidation of the particular debt.Determines when all reasonable collection eorts have been exhausted and recommends that a loan be charged-o.Provide training support for employees in order to ensure successful knowledge of work assignments.Review existing contracts and agreements between the SBA and its partners to ensure compliance with applicable laws and regulations. Capital One Financial Corp Plano, TXAML Fraud Investigator III Full-Time40hrs Weekly08/2018 - 06/2019Wrote suspicious activity reports, led CTR's, working with FINCEN, and other applicable AML processes in accordance with regulations and time limitationsReviewed system generated alerts, assess impact to AML processes, conducted research as required, and documented results in written format Reviewed multiple types of fraud such as counterfeit, synthetic, rst party fraud, ATO (Account Take Over) and third party fraud and reported any and all types in SAR lingsIdentied patterns of suspicious activity across multiple accounts or transactions.SummaryHighlightsExperienceCollaborated with external agencies such as banks, credit card companies, and law enforcement when necessary.Gather facts through such methods as bank transactions,credit reports, credit card transactions, contacts with allegers or others, and analyze records to establish facts or obtain evidence.SBA Oce of Disaster Assistance FortWorth, TXLoan Specialist Full-Time 40hrs Wkly10/2017 - 05/2018Assisted homeowner(s) and or business owners in obtaining a loan to repair their homes or businesses aected by Hurricane Harvey, Irma or Maria or any other disasterInterviewed applicant(s) to obtain all pertinent facts to determine the applicant's ability to pay and estimates of damages after the insurance proceeds were receivedVeried coverage of insurance with varies insurance companies and communicated with the homeowner(s) and or business SBA's policies and or procedures to alleviate double payments.Conducted risk analysis to identify potential losses associated with certain loans.Responded orally and/or in writing to applicants or their representatives. Veried accuracy of loan documents prior to approval. Analyzed borrower's nancials, creditworthiness, and collateral position for loan approval decisions.Analyzed insurance policies to assess coverage for ood-related claims. Calculated replacement cost values for damaged items based on current market prices.Reviewed data to verify validity of claims and determine case management actions.NTT DATA Farmer Branch, TXAML Analyst Full-Time 40hrs Wkly09/2015 - 10/2017Performed required EDD steps on high risk customers Reviewed KYC for completeness and accuracy as part of the customer validation in order to assess and document the risks associated with that customerIdentied and addressed items through day-to-day assignments to ensure the bank's KYC and CIP standards were metAnalyzed customer data, transactional activity open source information to determine legitimacy and potential risk exposurePerformed searches utilizing internet sources and/or third party vendors to determine negative news/PEP and obtain due diligence information on new/existing customersReviewed and resolved EDD alerts; escalated ndings to manager when appropriateKnowledge of the laws applicable to money laundering, including Bank Secrecy Act, the USA PATRIOT Act,US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting requirements Investigated alerts generated by automated monitoring tools for potential money laundering activity.Regional Acceptance (Contract)Arlington, TXBackend Collection Specialist09/2014 - 09/2015Located debtors by utilizing skip tracking and other strategies Notied customers of delinquent accounts with attempt to collect outstanding amountsHandled irate customers smoothly to achieve performance targets Worked accounts 61 days past due and upMade outbound and received inbound callsAssigned accounts out for repossession and provided support needed Thoroughly and accurately documented account activity JP Morgan Chase Coppell, TXLM Home Liq Specialist III Full-Time40hrs Wkly09/2011 - 05/2014Reviewed all items and conditions provided by borrowers and ensured they met the required guidelines by utilizing internal and external (e.g., agency) polices and proceduresMonitored property appraisal process to ensure the value of a property is accurately presentedCommunicated credit recommendationsCalculated Debt-to-income ratioAssessed individual's creditworthiness while adhering to all regulatory and compliance requirementsWorked in a fast-paced, high volume environment, while practicing sound lending judgementAnalyzed short-sale oer to identify any risk issues and/or potential misrepresentationNegotiated contracts between sellers and the bank to avoid D-I-L of foreclosureCoordinated with attorneys representing lenders in court proceedings related to foreclosures.Wingspan Portfolio Services Carrollton,TXLoan Resolution Specialist Full-Time40hrs Wkly06/2010 - 09/2011Marketed delinquent mortgage notes to investors, negotiating to achieve highest bids for notes and short salesReviewed accounts to determine payment plan compliance Negotiated rates with customers and entered payments into accounting systemMet demands of busy collections group by performing high volume of daily callsRoutinely contacted account holders with balances over 60 days past due to resolve delinquenciesUtilized skip tracing resources such as background checks and loan documentsAHMSI (American Home MortgageServicing) Coppell, TXHome Retention Specialist III Full-time40hrs Wkly01/2009 - 06/2010Researched discrepancies in foreclosure documents and loan agreements Assisted attorney in title search operations and checked all title issues in coordination with supervisorHandled escalated callsReasoned with customers and attempted to negotiate full balance paymentsUsed eective questioning techniques to clarify why debtors were delinquentHandled contracts and payments on accountsLocated debtors by utilizing skip tracking and other strategies Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for nancial issues Saxon Mortgage Fort Worth, TXLoss Mitigation Specialist Full-Time 40hrsWkly08/2006 - 01/2009Provided information about dierent property liquidation options Managed portfolio to control overall mix of accounts and exposures Negotiated payment arrangementsServed as liaison between borrowers and lenders and collaborated with both parties to obtain optimal loans for home purchases Worked with customers to put together plans focused on retaining property ownershipContacted borrowers to assess reasons for default, individual intents and options for resolving issuesHelped clients and attorneys complete short salesPut together and sent out reinstatement and payo quotes TranSouth/Arcadia Bedford, TXCollections Specialist 40hrs Wkly06/2002 - 07/2004Negotiated rates with customers and entered payments into accounting systemCompleted skip traces on customers failing respond to collection eorts Made outbound and received inbound calls on delinquent borrowers Worked accounts 61 days past due and upAssigned accounts out for repossession, provided repo support as needed Processed payments over phone and set up recurring drafts Met demands of busy collections group by performing high volume of daily calls and maintaining superior quality assurance results Consumer Portfolio Services Inc. Irvine,CACollection Supervisor Full-Time 40hrsWkly11/1999 - 05/2002Directly supervised and coordinated the activities of collectors, to ensure collection of accountsEstablished collection goals monthly, quarterly and annually in conjunction with managementDelivered/reviewed scorecards to sta on aging percentages Trained new debt collectors in collection policies, procedures and activities Performed other miscellaneous duties as needed and as assigned Point of contact for call escalations and provided proper guidance and feedback after the call as a coaching opportunitySet individual goals for all team members for semi-monthly performance evaluations, to include retention, completion, quality assurance and attendance goalsHandled escalated calls, and negotiated payment arrangements on account that could not be settled by the collectorEl Centro College Dallas, TXHigh School DiplomaNorth Lake College Irving, TX, United StatesCerticate in Real EstateFormer Texas RealtorIndependent Claims Adjuster License #2307984, Texas EDUCATIONPersonal InformationSkills |
