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Click here or scroll down to respond to this candidateCandidate's Name
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Ph: PHONE NUMBER AVAILABLE EMAIL AVAILABLESummary of QualificationsPossess outstanding communication, leadership, and organizational skills, a very enthusiastic individual eager to learn new things. A self-motivated, multi-tasking individual with a proven record of success in problem resolution and troubleshooting. Over 18 years of Finance and Mortgage experience in a leadership capacity. Outstanding customer service skills, and a proven leader who leads by example. Exceptional understanding of business practices; able to identify new opportunities and share in the overall company and department vision by gaining the buy-in from subordinates and peers. Proficient in resource allocation / maximization, change management and auditing with a demonstrated ability to manage through change, growth and turn-around situations while maintaining strong team performance and standards of compliance.Professional ObjectiveSeeking a position with a client focused organization that demands high performance and is driven to achieve outstanding results.Career ObjectiveTo find a challenging position to meet my competencies, capabilities, leadership skills, education, and experience.CORECOMPETENCIESRelationship BuildingCustomer Service / SatisfactionClient Maintenance / RetentionQuality Customer ServiceExpense ControlStaff Training / DevelopmentPolicies / Procedures DevelopmentStandards/ Compliance AdherenceExtensive Auditing ExperienceCompliance Auditing Both Internal andExternalAuditing of all GSEs, Government, State andRegulatory AgenciesStaying up to date with all laws andprocedures to ensure complianceWriting and assuring all SOWs are beingadhered to and providing scorecardsLegal Negotiations and ComplianceProfessional ExperienceApril 2024-PresentGuardian Litigation Group6622 Southpoint Drive Suite 200Jacksonville, FL 32216Client Advocate Negotiate, deliver, and follow through to completion on client settlement offers and proposals between the client and the creditor. Initiate and maintain contact with creditors, collection agencies, collection law firms, and debt buyers to launch settlement negotiations and secure the best outcome. Provide representation and support to clients in debtor's rights cases throughout the settlement negotiation process. Develop effective negotiation strategies tailored to individual cases, taking into consideration the client's financial circumstances and legal rights. Conduct legal analysis of client cases to identify potential issues, assess strengths and weaknesses and determine appropriate negotiation tactics. Review and analyze client financial statements, credit reports and debt documentation to understand the full scope of the client's financial situation and negotiate settlements accordingly. Establish and maintain rapport by providing regular updates, answering inquiries, returning voicemails and/or missed calls, and addressing concerns throughout the negotiation process. Work closely with attorneys and other team members to gather information, strategize cases, and provide comprehensive support to clients.Candidate's Name RESUMEContinuedSeptember 2022-June 2023Carrington Mortgage Services1600 South Douglass Rd, Suite 110Anaheim, CA 92806Loan Servicing Compliance Supervisor Supervise the daily activities of the servicing compliance staff to ensure the department meets performance expectations; including but not limited to work distribution, facilitation or coordination of staff training. Provide reporting to management of associate performance and department key performance indicators. Conduct one-on-one performance assessments with staff to identify strengths and areas of opportunity on a frequent basis not less than monthly. Recommend additional training as needed. Identify process efficiencies and adjust work assignments accordingly. Oversee the testing performed by the Servicing Compliance team to ensure compliance with all federal laws and regulations, state laws, and companys policies and procedures. Handle escalated issues presented by compliance staff. Escalate any concerns as needed to the Director or above. Auditing of all regulatory compliance agencies to include the OCC, FDIC, FDCPA, FNMA FHLMC, VA and FHA. Maintaining relationships with all internal and external parties to ensure compliance. Updating SOPs based on changes to policy and providing training when needed to staff and departments. Perform ad-hoc reviews as requested by senior leaders as needed. Stay abreast of all laws and procedures applicable to the mortgage servicing industry and ensure all policies and procedures are up to date and accurate at all times. Provide management with documented findings and identify training opportunities. Assist in the resolution of compliance and servicing related issues. Effectively communicate compliance exceptions and required resolutions to appropriate business unit management. Reviews results of continuous and targeted testing to ensure all data is accurate prior to reporting. Performs more in-depth reviews as needed to determine the magnitude of any identified issues. Coordinate materials for servicing compliance audits and examinations. Communicates issues with subject-matter-experts and monitors corrective action through resolution. Assists with communicating/training with subject-matter-experts and monitors corrective action until issues are remedied.Candidate's Name RESUMEContinuedDecember 2019-January 2022Black Knight Financial Services601 Riverside AveJacksonville, FL 32204Resource Manager Develops and manages the tactical and strategic resource plan for an offering or service line. Manages a team of professional services employees and assigns employees to specific client engagement projects with a goal of effectively balancing resource utilization needs with planning targets, skills allocation, actual utilization and staffing levels. Works with the consulting management team, program & project managers and client relationship managers to identify the type of technical and business resources needed, assembling teams that are qualified to perform the work and financially aligned with project budget and schedule plans. May serve as, or work closely with, program & project manager during project initiation tasks to define scope and understand the type, quantity and timing of resources needed. Manages both client and interdepartmental relationships. Monitors a large number of projects under management by staff, initiates proactive internal escalations, and directs client contact as necessary. May serve as executive sponsor on some projects. Collaborates and effectively solves internal barriers with large cross-functional teams to accomplish company goals. Incorporates workforce planning and sales support with the overall business plan. Monitors and manages travel, education and miscellaneous expenses to an acceptable level as defined in the business plan. Communicates effectively to senior management the achievements and performance levels of the team. Communicates to subordinates to provide job-related information as well as changes to company policies and procedures, and any general announcements. Understands each employee's skills and proficiencies, provides coaching and career development, assists in setting performance and employee development objectives, and conducts performance appraisals and talent management. Recruits new staff as needed. Monitors utilization reports. Recommends corrective action to maximize both utilization and profitability of resources.Candidate's Name RESUMEContinuedMarch 2014-October 2019LoanCare601 Riverside AveJacksonville, FL 32204Escrow Manager Manages the daily operations of the escrow departments. Establishes procedures for escrow and ensures the proper controls are in place. Reports to government agencies as required for regulations involving escrow. Keeps informed on government regulations pertaining to loan servicing. Through subordinate supervisors, distributes work assignments to escrow staff. Performs quality control reviews as required. Performed audits as needed. Ensures that taxes, insurance, PMI and MIP are disbursed and paid in a timely manner to the respective agencies, insurance companies and the taxing authorities to reduce any unnecessary losses. Manages vendors used in conjunction with departments under management. Develops products and assists with promoting those products used within the departments under management. Ensures all system changes are completed according to metric standards and documented for quality control. Oversees all agency and state audits for items concerning escrow and special loans. Candidate's Name RESUMEContinuedApril 2013- February 2014Everbank301 West Bay StreetJacksonville, FL 32202Liquidations Supervisor Maintains staff by recruiting, selecting, orienting and training employees; maintains a safe, secure, and legal work environment; coaches staff in effort to develop personal growth opportunities. Establishes strategic goals by gathering pertinent business, financial, service, and operations information; identify and evaluate trends and options; choosing a course of action; defining objectives; evaluating outcomes. Ensure liquidation solutions are conducted within all investor and insurer guidelines. Handle any escalated issues and/or special requests from investors or insurers and senior management. Aggressively manage staff caseload to ensure investor and insurer target goals are obtained. Utilize all available tools to solicit loans and achieve desired results. Ensure proper quality control processes are in place to prevent audit findings. Knowledge of mortgage documents, including but not limited to HUD-1s, warranty deeds, sales contracts, titles, appraisals, broker price opinions, etc. Partnered with the closing department to ensure closings were handled correctly. Candidate's Name RESUMEContinuedMay 2005 March 2013Option One Mortgage / American Home MortgageServicing//Homeward Residential4875 Belfort RdJacksonville, FL 32256Foreclosure Supervisor Manage staff and control the day-to-day department functions of monitoring loans from foreclosure referral through final claim settlement and/or REO liquidation to prevent avoidable losses and exposure to the company. Monitor staff and counsel to ensure workflow is maintained in accordance with department standards and investor, insurer, client and company guidelines, requirements, and timeframes. Reviews processing to ensure requests for informationand/or documents are completed timely and report any delays and/or problems to the applicable client, vendor, investor, or insurer. Review weekly tracking step reports to ensure completionof proper rescheduling of tasks. Keep abreast of relevant changes to investor/insurerguidelines, industry standards and client expectations. Implement necessary training, procedures, monitoring and management controls to comply with any changes related to foreclosure processing. Prepared bidding instructions completed judgment figures, Hamp certifications, state specific affidavits, executed foreclosure documents. Ensured that GSE (FHA/VA, FNMA/FHMLC) guidelines/requirements and timelines were met. Prepare and distribute monthly management and executive reports. Participate in monthly associate assessment meetings. Candidate's Name RESUMEContinuedHome Preservation Office Specialist Provided workout options (Short Sale/Loan Modification/RepaymentPlans) on highly escalated files, responded to complaints, negotiated with realtors and other authorized third parties. Knowledge of the HAMP/HAFA process Ensured accurate and timely transmission of files. Monitored assigned loans throughout the workout process using timely and appropriate follow up to ensure compliance with investor timelines. Provided courteous, accurate and timely assistanceto borrowers, attorneys, authorized third parties, investors (FNMA, FHLMC, FHA, VA) and other departments. Represented the company at Outreach Events across the country providing loss mitigation workout options to borrowers in person. Responded to complaints from the Attorney General, State Departments, Governors, and many other high priority entities. Represented the company at Outreach Events acrossthe country providing assistance to borrowers face to face. i.e., short sales, loan modifications Responded to complaints from Attorneys General, StateDepartments, Governors and many other high priority entities.Candidate's Name RESUMEContinuedAugust 2001 April 2005Citibank8787 Baypine RoadJacksonville, FL 32256Collector Worked in early and late-stage collections of credit card accounts. Managed a portfolio of over 1,500 personal, business,and commercial credit card accounts. Provided workout options for customers to preventcharge off and negative credit reporting. Provided excellent customer service and resolutionsto disputes. Maintained quality standards to avoid risk to the company. Adhered to FDCPA laws and guidelines and trainedassociates on new procedures. July 1997 July 2001United States Army 44th Signal BattalionMannheim, Germany Apo Ae 09267Data Systems and Satellite Telecommunications Operator Responsible for providing the entire satellite communications abilities for the entire Mannheim, Germany community. Maintained over $1,000,000.00 worth of equipment in numerous fields of operations to include, Kosovo, Poland, Macedonia, Italy and Bosnia Provided communications abilities over both Lan and Wan networks. Working with equipment that included hubs, routers, servers and IP networks. Lead and managed teams of soldiers ranging from 15-25 personnel. Recognized for proficiency in Data Systems and Satellite Systems support. Evaluated performance of staff, recommended promotions, additional training and or relief of duty. Performed duties in a rapid reaction force able to deploy anywhere in the world within 18 hours.Qualifications/ Skills Proficient in Microsoft Word, Excel, Power Point Possess a Top-Secret Security Clearance from the US Govt Extensive knowledge of CMRs to include MSP, Fidelity, Sagent and FHA Connection Recognized monthly as a top performer by company guidelines and requirements. Hold numerous awards for proficiency in the military to include the Army Commendation Medal, Good Conduct Medal and Army Achievement Medal. College credits to include English 101, Man Crime and Society, Criminal Justice, Criminology, Sociology, Introduction to Law and Human Growth and Development Nominated for Leader of the Quarter |
