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Click here or scroll down to respond to this candidateCandidate's Name
Dallas, Texas Street Address
Phone: PHONE NUMBER AVAILABLE E-mail: EMAIL AVAILABLESummary:Experience with emphasis on all aspects of servicing, originations, default, loan on-boarding, data analytics and modeling.Extensive experience of data analytics and reporting experience with emphasis on SAS, SQL, and Excel Graphs, Charts, Pivot tables, V-Lookup and H-Lookup. Strong knowledge of forecasting, data trends, gap analysis and deep dive analyticsOperational experience with IT departments on process improvements, developing and improving technology of record and operational efficiencies.Experience with senior and executive level presentations including external business partners and US Treasury DepartmentUnderstanding of Collateralized Loan Obligations (CLOs) to pool together corporate loans or bonds, dividing them into tranches based on risk and return profiles.Used CLOs knowledge to enhance corporate finance by providing liquidity to the leveraged loan market and offering investors exposure to diversified loan portfolios, contributing to efficient capital allocation and risk management.Experience with dispute resolution and highly escalated senior management and legal disputes including CFPB, GSE (FHA, FNMA, FHLMC, VA, GNMA, USDA), regulatory, and investor escalations.19 years management experience with strong emphasis on training, development, budget forecasts and remote staffingEducation:Public Administration, University of Kansas Lawrence, KSBachelor of Arts Degree Public Administration, University of Texas @ Arlington, Arlington, TXSkills:Microsoft Office (PowerPoint, Excel-V-Look Up-Pivot Tables, Visio, Word), Calyx, MS SQL, Business Objects, Lotus Notes, Outlook, Access, Oracle, SAS, AS400, Desktop Underwriter, FNMA HSSN & DARTS, Clarifire, Equator, FHA Connections, Lexis-Nexis, Bloomberg, LSAMS, Real Service, Lexis Nexis, Five Serv, VALERI, Back In The Black, MSP/Black Knight, Power BI, Vendor Risk, Q-Link, Armco Aces, Compliance Ease, LPS Desktop, Remedy, iAssistEmployment History:LoanDepot March 2022-PresentManager - Loss Analysis / Servicing OversightSupervise a team of 8 individuals.Provide oversight over all Default Servicing departments, (Call Center, Collections, Loss Mitigation, Foreclosure, Bankruptcy, and Claims)Manage the loss analysis staff who performed final profit/loss review on final disposition loans within our portfolio (FNMA, FHLMC, GNMA, FHA, VA, and USDA).Provides in-depth deep dive reviews of the Loss Mitigation, Claims, and Foreclosure active pipelines monthly.Review the pipelines for gaps, process improvements, and exceptions.Prepared monthly pipeline, process improvement, gap analysis, and exception review summaries for senior management.Research and remedy loss mitigation and foreclosure escalations including CFPB and regulatory disputes.Used CLOs knowledge to enhance corporate finance by providing liquidity to the leveraged loan market and offering investors exposure to diversified loan portfolios, contributing to efficient capital allocation and risk management.USAA Bank (Remote) February 2021-March 2022Loan Servicing AnalystProvides oversight to USAAs sub-servicer of record on the life cycle residential loan servicing including but not limited to default servicing, collections, foreclosure, bankruptcy, REO, loss mitigation (retention and liquidation), and customer service.Updated and amended attributes to companys policies and procedures to align with VA investor guidelines.Updated testing scripts for loss mitigation to align with VA investor guidelines.Provided oversight for remediation of errors and exceptions identified through testing.Conducted comprehensive research analysis on market trends and competitor strategies to inform strategic decision-making processes.Review customer voice communication between the customer service agent at the sub-servicer and the customer of USAA, with the management team of the sub-servicer; providing QC analysis to ascertain that all the investors guidelines are achieved.Resolved written disputes within the required SLA from consumers, investor, CFPB, and Senior Management level.Rushmore Loan Management November 2019-September 2020Manager - Compliance Quality ControlManaged the Quality Control testing for Correspondent Lending, Legal Department, Vendor Management, IT, and Human ResourcesDeveloped testing scripts and exception reporting mechanisms to ensure compliance with investor regulations (FNMA, FHA, USDA, and GNMA) and mitigate risks associated with early payment default and external vendor oversight.Leveraged advanced research methodologies to analyze data trends, customer behavior patterns, and industry insights, providing actionable recommendations to optimize business strategies and drive growth.Managed the external vendor, Metasource, which performed 3rd party QC testing on originations that were purchased through our correspondent lending channels.Ensure Metasource remains compliant with all investors (GSE) rules and regulations pertaining to loan originations.Approved vendor invoices from third party vendor, MetasourceProvided risk analysis for 145 correspondent lenders and in-house retail lending loans that were onboarded to our system of record, MSP.Developed testing scripts for Legal, Vendor Management, IT, and Human Resources QC testing.Created exception reporting for correspondent and retail lending findings.Expanded testing for early payment default (EPD) for correspondent lending loans that were recently onboarded on our system of record, MSP.Enhanced quality and comprehensive testing for loans impacted by the COVID-19 pandemic.Provided monthly correspondent lending QC testing results of recently onboarded loans to executive management.Provided quarterly corporate (Legal, IT, Vendor Management, and Human Resources) QC testing results to executive management.Provided trend reporting to internal business partners to mitigate any potential risk identified through testing results.Automated Vendor Management QC review with the adoption of ARMCO Aces platform and creating dedicated testing scripts and AORs (Assumption of Risk)Created testing scripts for the 10% vendor review for Metasource.Ocwen Financial December 2015-September 2019Manager - Loan/Modification (Loan Retention) Processing GroupManaged a diverse team of 25 associates located in the US and abroad with an emphasis on retention of high performing associates, coaching, and professional development.Provide strategic oversight and direction regarding Ocwens GSE mortgage portfolio and the modification performance and practices to ensure high quality product output and operational excellence.Closely monitor various metrics such as Key Performance Indicators (KPIs) to achieve business and GSE objectives.Monitored loan metrics, including Key Performance Indicators (KPIs), to align with business objectives and GSE (FHA, USDA, GNMA, VA, FNMA, and FHLMC) requirements.Managed a diverse team of associates across multiple locations, emphasizing the retention of high-performing associates and professional development within the syndicated loan servicing sector.Oversee the execution of the complete GSE (FHA, VA, FNMA, GNMA, USDA, FHLMC) modification process to ensure a high degree of timeliness, accuracy, and compliance.Leverage effective short, medium, and long-range planning to anticipate business needs and provide effective solutions to Executive ManagementReviewed and maintained control reporting to ensure compliance with internal and external (CFPB, HUD, Fannie Mae, Freddie Mac, VA, FHA, and USDA) guidelines.Ensure all internal policies and procedures are updated to reflect compliance revisions and changes.Develop and document business process enhancements and opportunities for increased automation.Identify opportunities to improve loss mitigation practices throughout the organization working with internal business partners.Identified opportunities for strategic process transition from offshore resources to onshore (US) resources.Developed effective Control Reporting mechanisms to gauge the effectiveness of personnel, processes, and technology.Ensured that all modification policies and procedures are current and complete any applicable adjustments timely.Oversee and execute the development and submission of detailed testing plans to ensure proper functioning of technology releases, execute plans and provide documented results.Provide weekly reporting deck to Executive Management on departmental achievements.Oversee the execution and remediation of all On Balance Sheet defects with FHA modifications during redelivery process to GNMA.Coordinated with Capital Markets on the weekly loan selection of the GNMA buyouts for modification purposes.Part of coordination team that was responsible for the transitional process of the on-boarding process from Ocwens RealServicing platform to PHHs MSP platform.1M loans consisting of FHA, VA, FNMA, FHLMC, GNMA, and private loans were part of the on-boarding process to MSP.Peoples Home Equity June 2015 February 2016Loans Servicing Senior Analyst (Contract/Remote)Develop and maintain relationships with syndicate partners, facilitating communication and coordination throughout the syndication lifecycle.Collaborate with syndicate members to assess and mitigate risks associated with the syndication process, ensuring alignment with investor guidelines and regulatory requirements.Monitor syndicated loan performance metrics and conduct regular reviews to identify opportunities for process improvement and optimization.SPOC (Specific Point of Contact) for sub-servicer of record and GSE (FNMA, GNMA, FHA, FHLMC) investors as it relates to servicing residential mortgage loans.Responsible for creating all reports related to loan servicing including but not limited to loan delinquency, call center metrics, loss mitigation efficiencies and production, portfolio performance, delinquency roll rates, trending, forecasting.Maintain and supplement servicing standards, policy and procedures, oversight policy, limit and reduce risk, and quality control metrics.Provided oversight and quality control reviews for recently onboarded loans prior to delivery of our sub-servicer of record, PHH.Ensure PHH, their sub-servicer, remains compliant with the CFPB.Perform onsite visits to sub servicer of record.Deliver continuous reporting to the GSE (FHA, FNMA, FHLMC, and GNMA) investors and the sub servicer of record on portfolio performance.Responsible for adequate and continuous quality control (QC) reviews on the sub servicer of record with loan servicing, default, loss mitigation, and bankruptcyProvide feedback and guidance to the sub-servicer of record on issues of critical importance to achieve business objectives.Support GSE investors and the sub-servicer of record action plans to drive execution of deliverables.Analyze and interpret test data to determine go/no-go criteria.Responsible for identifying and effectively articulate and remediate risk factors.Perl Mortgage April 2015 August 2015Ginnie Mae Servicing Specialist - ContractorSPOC (Specific Point of Contact) for sub servicer of record and GNMA as it relates to servicing residential mortgage loans.Responsible for creating all reporting related to loan servicing including but not limited to loan delinquency, call center metrics, loss mitigation efficiencies and production, portfolio performance, delinquency roll rates, trending, forecasting, andMaintain and supplement servicing standards, policy and procedures, oversight policy, limit and reduce risk, and quality control metrics.Perform onsite visits to sub servicer of record.Deliver continuous reporting to GNMA and the sub servicer of record on portfolio servicing, default, and bankruptcy performance.Responsible for adequate and continuous quality control (QC) reviews on the sub servicer of recordProvide feedback and guidance to the sub-servicer of record on issues of critical importance to achieve business objectives.Support GNMA and the sub-servicer of record action plans to drive execution of deliverables.Analyze and interpret test data to determine go/no-go criteria.Responsible for identifying and effectively articulate and remediate risk factors.Residential Wholesale Mortgage February 2014 April 2015Loan Servicing Manager (Remote)Responsible for all aspects of loan servicing residential mortgage loans for RWMIWork in conjunction with Capital Markets in loan pricing, co-issues, and secondary market sales.SPOC (Specific Point of Contact) for sub-servicer of record and GSE (FHA, VA, GNMA, and USDA) investors as it relates to servicing residential mortgage loans.Responsible for creating all reporting related to loan servicing including but not limited to loan delinquency, call center metrics, loss mitigation efficiencies and production, portfolio performance, delinquency roll rates, trending, forecasting,Maintain and supplement servicing standards, policy and procedures, oversight policy, limit and reduce risk, and quality control metrics.Ensure RWMI remains compliant with the CFPB.Perform onsite visits to sub servicer of record.Deliver continuous reporting to the GSE investors and the sub servicer of record on portfolio performance.Responsible for adequate and continuous quality control (QC) reviews on the sub servicer of recordPerformed on-boarding process with sub-servicer of new loans and establishing private label service for customers.Remediate exceptions with new loans and service release transfers with sub servicer.Responsible for remediating all exceptions and audit issues related to loan servicing.Determine the effectiveness of the sub-servicer processes on the management of the servicing portfolio; will recommend process improvements to the sub-servicer of record when warranted. Integrating best practices with process design to ensure continuous process improvement.Provide feedback and guidance to the sub-servicer of record on issues of critical importance to achieve business objectives.Support GSE investors and the sub-servicer of record action plans to drive execution of deliverables.Analyze and interpret test data to determine go/no-go criteria.Responsible for identifying and effectively articulate and remediate risk factors.Fannie Mae October 2008 January 2014Senior ManagerEnd to End management of and Full accountability for the performance of a multi-billion-dollar portfolio of mortgage servicing assets. Developed and maintained productive working relationships with both internal and external partners, providing real time intelligence, analyzed, and identified portfolio performance trends and developing strategies and tactics and executing them to improve the overall performance of the portfolio.Developed and executed strategic account plans to minimize risk & losses to Fannie Mae portfolios and increase Servicer effectiveness.Developed and managed predictive and performance models, segmentation models, and portfolio analytics to quantify risk utilizing SAS, Business Objects, SQL, and ExcelMonitored servicer performance and activities and provided regular feedback.Leveraged servicer data, capacity, and services of third-party service providers to positively impact performance.Resolved overly complex issues related to loan transactions including MSR incidents & annual MSR statements, MBS securities, customers, and internal business partners.Ensured best practices were implemented with model development, data validation, documentation of model methodology, and effective implementation.Performed portfolio recapture analysis, portfolio delinquencies, and defaults.Managed daily team activities related to servicing customer portfolio to ensure compliance with the firm servicing guidelines and strategy.Perform root cause analyses (external audits) & problem solving on data integrity issues and re-design major critical processes to improve servicer performance.Corrected data and cash management issues through exception reporting methodsManage FNMAs Bank of Americas Liquidation (DIL & Pre-Foreclosure) pipeline of over 30,000 assets: Risk controls for their Bankruptcy and Foreclosure timelines and processes thru internal and external audits.Audited and approved short sale settlement statements submitted by Bank of Americas short sale division.Responsible of managing the $9.5B Bank of America portfolio reducing the delinquency, curing, or liquidating the SDQ assets and managing the losses while protecting the marketProvided profit-based outcome models and NPV optimization with short sale properties with real estate market valuations.Created & validated processes and data reporting analytics for internal & external business partners to enhance efficiency and gauge servicers performance.Developed customer relationships via constant engagement and training with key servicing personnel in the Servicers office.Manage system enhancements. Interact with internal and external partners to strategize future needs. Preformed forecasting analytics with staffing and staffing budgetsUsed DMAIC & DMADV Six Sigma process methodologies to identify opportunities to streamline, automate and to improve internal controls and process efficiencies utilizing Clarifire system enhancements in conjunction with our IT department and the Clarifire technical teams, budget, and staff projections.Manage predatory reviews, compliance checks, and the rebuttal process. Recommend corrective action as needed. Addressed and resolved outstanding audit and regulatory issues.Managed team that handled the response to and resolution of escalated calls and email messages from Servicers regarding collections, foreclosure alternatives (HAMP), and liquidation options.Built risk controls within Clarifire process; SERGs system of record.Performed Risk scoring and portfolio segmentation.Created and maintained departmental dashboards SharePoint and Dashboards for internal business partners.Created, implemented, and managed the QC process and BRD (Business Rules Decisions) process for the SERG team & SMOPs (Service Management Operational Processes) DepartmentAdvise on new, non-traditional products & the new CFPB.Investwell, UMTH January 2006 October 2008Asset Mortgage Representative/ Syndicated LoansResponsible for SDQ of mortgage portfolio of syndicated, rehab loans and REOs throughout the southern and Midwestern regions of the USOversaw syndicated loan portfolios related to Investwell's GSE, focusing on modification performance and practices to ensure high-quality syndicated loan output and operational excellence.Managed a diverse team of associates, emphasizing the retention of high-performing associates and professional development within the syndicated loan servicing sector.Conducted risk analysis and implemented quality control testing protocols for syndicated loans across correspondent lending, retail lending, and third-party vendor channels.Coordinate with syndicate members to ensure timely disbursements and adherence to loan terms and conditions.Conduct comprehensive risk assessments on syndicated loan portfolios, identifying potential credit and operational risks.Collaborate with legal and compliance teams to ensure syndicated loan agreements comply with regulatory requirements and internal policies.Understanding of Collateralized Loan Obligations (CLOs) to pool together corporate loans or bonds, dividing them into tranches based on risk and return profiles.Used CLOs knowledge to enhance corporate finance by providing liquidity to the leveraged loan market and offering investors exposure to diversified loan portfolios, contributing to efficient capital allocation and risk management. |
