| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidateCandidate's Name
PHONE NUMBER AVAILABLEEMAIL AVAILABLEExperience Summary:7+ years of experience in Loss Mitigation20+years in Customer Service20+years of Experience in the Mortgage IndustryProfessional with extensive experience in Compliance and Mortgages for Financial/Banking companies.Accomplished and seasoned in Non-Performing First and Second Mortgage Loan portfolios, Special LoanServicing, Asset Recovery,HMDA, TRID, Collections, Foreclosures, Bankruptcy, Underwriting, Modifications, Loss Mitigations, Consumer Loan Collections and Customer Service in a call center, excellent research skills and proficient in MS Office.Skills:Proficient in Microsoft Word, Outlook, Excel, PowerPoint, Visio, SharePoint, Adobe,Lotus Notes, LSAMS/AS400, LPS Desktop, Equator, MOC, Doc Velocity, Citrix, IPortal,HSSN, LAFA, NDC, BAPS, AACER, Pacer, Chapter 7,13 and 11, Pega, SSPM,CMT,EPW, CRM Tool, LMA, LMP, MDL, Home saver, Home base, UNIFI, Salesforce, DOCList, MSP, Monarch and Data, Encompass, IAssist and Pandemic Workouts, DIL, Short Sales, Modifications, Forbearance Agreements, Repayment Plans and QC Dialer Monitor/Reviewer.Professional Experience:Treliant Advisors Nov2023 to April 2024REO Reviewer (USAA)Knowledge and strong proficiency in consumer related regulatory requirements particularly those related toSCRAGeneral knowledge of knowing the default servicing life cycle of the loan regarding Loan Purpose of Loss Mitigation, Forbearance Agreement, Modification, and DILAbility setting expectations, about loan status and possible difficult decisions up to the final resolutionProficient on multiple technology platforms including MS Office, Excel and PowerPoint and Various Loan Origination SystemsAbility to analyze and interpret data with the ability to move quickly between systems.Strong research skills and ability to process and analyze dataState Fair Of Texas Sept 2023 to Oct 2023Assist clients and couriers when they come to the check outEnsure timely delivery of elements into and out of the VaultMust be able to break down vault formsAbility to work both independently and collaboratively in a fast passed, high stress environmentPrepare all necessary documentation when counterfeit bills come through the bankReceive currency from the main vaultOpen each bag & count currency accuratelyWhen all bags have been opened write your initials on the logVerify cash transactions from each BoothProcessed and balanced currency from the vault and maintain a record of all cash Prepared and strapped currency dailyTreliant Advisors Feb 2023 to Mar 2023Reviewer (USAA)Knowledge and strong proficiency in consumer related regulatory requirements particularly those related toSCRAGeneral knowledge of knowing the default servicing life cycle of the loan regarding Loan Purpose of Loss Mitigation, Forbearance Agreement, Modification, and DILAbility setting expectations, about loan status and possible difficult decisions up to the final resolutionProficient on multiple technology platforms including MS Office, Excel and PowerPoint and Various Loan Origination SystemsAbility to analyze and interpret data with the ability to move quickly between systems.Strong research skills and ability to process and analyze data quicklyState Fair Of Texas Sept 2022 to Oct 2022Assist clients and couriers when they come to the check outEnsure timely delivery of elements into and out of the VaultMust be able to break down vault formsAbility to work both independently and collaboratively in a fast passed, high stress environmentPrepare all necessary documentation when counterfeit bills come through the bankReceive currency from the main vaultOpen each bag & count currency accuratelyWhen all bags have been opened write your initials on the logVerify cash transactions from each BoothProcessed and balanced currency from the vault and maintain a record of all cash Prepared and strapped currency dailyTreliant Advisors_May 2019-Feb 2021Review ConsultantCompliance analysis documentation review.Identify and verify exceptions within files.Prepare reports and findings in a clear and concise manner, working knowledge of residential mortgage lending and laws governing residential mortgagesConducting a full credit review of files to ensure investor and agency guidelines are metEnsure that the process guidelines and expectations are met when Auditing Documents within compliance and procedures.Review and analyze title commitments for irregularities.Determine solutions for irregularities and act on determination to resolve.Follow-up with the title company, county and state for the elimination documentCommunicating to all Regional Operation Centers (ROCs) all audit findings. Assessing completeness of loan file and documentationTreliant Risk Advisor's Feb 2018 to Mar 2019 Regulation X ReviewReview and gathered information to confirm loss mitigation efforts were offered to prevent foreclosure.Disposition loans once completed review and submitted for QC review.Review and analyze title commitments and interpret data for irregularities.Analyze information regarding Loan Purpose, 1003s, Refinance, Home PurchaseReview Legal Documents and entered Legal information with solid written and Oral communication!Analyzed origination documents skills review to analyze and interpret data to prep for attorney hearing.Follow up to ensure that reviews were documented, appropriate and escalated in a timely manner. Review and analyze various spread sheet with bates number to determine Origination and PostEnsure regulatory and risk was used in exercising sound judgment and decision making.Treliant Risk Advisor's_July 2017-Dec 2017File Review AnalystConduct compliance analysis for a documentation review, identify and verify exceptions within files and prepare reports and findings in a clear and concise manner.Underwriter, loan officer and/or compliance specialist review.Strong research skills and ability to process and analyze data.Solid written and oral communication skills.Review servicing notes pulled from system reports, identified by a list of keywords.Detailed review of possible risk associated with a loan.Work independently to review and document detailed and accurate review results.Expected to meet specific daily goals related to quality and productivity.Proactive work in accordance with client imposed or internal timeline/deadline.Review loan servicing history records and other documents to determine service's compliance with HAMP, standard modification, standard short sale, forbearance, collections, property preservation, and foreclosure guidelineTreliant Risk Advisors(Contract) USAASept 2016-May 2017QC Specialist/Forensic UnderwritingEnsure that the process guidelines and expectations are met when Auditing Documents within compliance and procedures.Review Files through RESPA, HMDA, GFE, HUD-1, GMI, and APR.Review and analyze title commitments for irregularities.Determine solutions for irregularities and act on determination to resolve.Follow-up with the title company, county and state for the elimination documents.Assist processors and loan officers with titling questions. Work with available resources to resolve any title related issues. SME for internal operations and systems access.Review for advanced monitoring, analysis, and investigation of mortgage and home equity (HELOC) accounts.Rushmore,(LAN/Contract) April 2016,-Aug 2016Helped review and process payments for Taxes and Homeowners Associations.Reviewed and approved tax payment requests obtained from 3rd party tax vendor. Review and determine if flood coverage for all flood zone properties.Complete task analysis to confirm letters are sent to borrowers and protect both parties at hand.Contact agents to gather insurance documents to confirm coverage, Negotiated with homeowners association, attorneys and other legal authorities regarding payoffs of HOA dues, Taxes for reduced payoffs or payment plans and researched and responds to internal/external tax and HOA departments for delinquent assessments status requestNewbold Advisor's Nov 2014-Mar 2016Foreclosure Review SpecialistMonitored foreclosure loans and ensured that foreclosure actions on individual accounts were completed in a timely manner in accordance with investor/insurer, state and regulatory guidelines, and minimizing financial losses to the company.Worked with legal and other organizations to document foreclosure proceedings.Handled routine levels of transactions with oversight by senior staff and managers to complete daily tasks.Reviewed loans through DRAW (checklist) to update status of files.Determined which policies/procedures apply to special states (e.g. CA, MA, NY, etc.).Requested breach letters, state letters, etc. if necessary, to hold files for next reviewer to have ready to processNewbold Advisors, Ft. Worth, TX(Contract) NBS, Aug 2014 Oct 2014 Escrow POC AnalystIdentified Bankruptcy/Foreclosures that were out of scope for timing guidelines involving GSE/Private Investors bankruptcy Chapters 7, 13, 11 and MFRs.Reviewed MSP and ALS systems for collection notes or any other foreclosure/bankruptcy delays and documents for possible fraud, credit risk, loss exposure, completed accurate and timely Suspicious Activity Reports.Audited reviewed POCs post filing; validated all related POC documentationMFR Newbold. Advisors, Ft. Worth, TX (Contract)Nov 2013 Jul 2014Call Campaign Manager, Bankruptcy POC/APOCDirected a team of 12 bankruptcy specialist.Ensured that staff members complied with Bankruptcy guidelines.Monitor calls and coach agents on where failed or missing FDCPA points may have missed.Side by side coaching and provide list to follow so they would fail calls.Conducted training and team development sessions.Hired and terminated staff as required; prepared performance evaluations.Implemented procedures for Escrow Analysis how to verify accuracy of Loan payments, Deficiency, Proof ofClaims, MFRs, Amended POC and various Chapters 7, 13, 11 and MFRs of Bankruptcy guidelines.Reduced delinquencies 20%; Timely filing the Proof of Claim/Amended Proof of Claim and uploaded in LPS/AACER.Quality Control Audit daily on Remediation Loans for ValidationNewbold Advisors, Ft. Worth, TX (Contract)REO Document/Payable Aug 2013 Oct 2013Managed and evaluated the performance of the 12 members of the department; ensured compliance with FDCPA and FHA guidelines.Monitor calls and coach agents on where failed or missing FDCPA points may have missed. Side by side coaching and provide list to follow so they would fail calls.Validated non-REO Pre-Foreclosure Sales population status and evaluated for Final Charge-OffEnsured that all transactions such as foreclosures and liquidations setup on credit loss systems were accurate and loans with client or shared foreclosure loss risk.Implemented a new goal detailing objectives and accomplishments in FNMA, FHLMC and VA modification underwriting, loan origination, pre-closing, closing, preprocessing / pre-qualifying for HAMP and non-HAMP loans.Performed miscellaneous functions, such as Refund of participation receipts to servicers, follow-up on resolution of Second Lien and MI Exception Cases. Corresponded with Local Real Estate Agents, Title Company, Attorneys, Brokers, Appraisers, TaxAssessors to ensure all local and state guidelines were being followed in reference to Conventional, FHA,FNMA, and FHLMNewbold Advisors, (Contract BOA)Team Lead MERS Litigation Feb 2013-July 2013Directed a staff of 30 employeesServiced Special Loans Portfolio, including MERS, ARMs, Interest Only Loans and others. Interviewed, hired, trained, coached; prepared evaluations and recommended salary increases.Monitor calls and coach agents on where failed or missing FDCPA points may have missed. Side by side coaching and provide list to follow so they would fail calls.Ensured procedures were in compliance with Banking and MERS guidelines.Analyzed information to assist staff with distinguishing between reportable and no reportable findings. Audited staff data by running reports and validating associate data entry entered on client siteNewbold Advisors, Plano, TX (Contract) Capital OneMay 2012-Dec 2012OCC Bankruptcy/Foreclosure SpecialistsWorked closely with the Foreclosure Referral Team and the Problem Loan Team to ensure compliance with investor and RESPA guidelines.Maintained direct oversight of Bankruptcy/Foreclosures involving GSE/Private Investors bankruptcyChapters 7, 13, and MFRs.Streamlined the foreclosure referral process resulting in a reduction of possible fraud, credit risk, loss exposure and Suspicious Activity Reports.Audited and reviewed POCs post filing; validated all related POC documents, Reviewed schedules, plans and intentions filed by the debtorNewbold Advisor's Oct 2011-April 2012 Foreclosure Review SpecialistMonitored foreclosure loans and ensured that foreclosure actions on individual accounts were completed in a timely manner in accordance with investor/insurer, state and regulatory guidelines, and minimizing financial losses to the company.Worked with legal and other organizations to document foreclosure proceedings.Handled routine levels of transactions with oversight by senior staff and managers to complete daily tasks.Reviewed loans through DRAW (checklist) to update status of files.Determined which policies/procedures apply to special states (e.g. CA, MA, NY, etc.).Requested breach letters, state letters, etc. if necessary, to hold files for next reviewerNewbold Advisors, Ft. Worth, TX (Contract) BOA- Chandler, AZSept 2010- Sept 2011Project Workflow ProcessorPlayed a key role in developing processes and programs that helped meet company goals.Created and implemented uniform checklist for FHLMC underwriting teams.Identified gaps in the FNMA, FHLMC and non-GSE underwriting processes and analysis of Bank of Americas Policies and Procedures/Underwriting Desk AidsNewbold Advisors, Ft. Worth, TX (Contract)Mar 2010 Aug 2010Team Lead Loss Mitigation CHAMP/Non-CHAMP Underwriter Mortgage ProcessorManaged a high volume call center with a staff of 15 Employees.Provided guidance to personnel on Loss Mitigation, Underwriting loans, first and second mortgages.Monitor calls and coach agents on where failed or missing FDCPA points may have missed.Side by side coaching and provide list to follow so they would fail callsAnalyzed loans for participation in a forbearance agreement or in other repayment options based on investor guidelines.Aggressively worked the deficiency balances to recoup funds or complete re-writes to cure the default.Worked on various shifts to achieve overall productivity and goal.Managed high risk accounts and escalated calls.Prepared and issue letter of authorization.Worked HAMP escalation team to re-work the trouble loans for the OPC (Office of the President)Newbold Advisors, Ft. Worth, TX (Contract) Saxon MortgageOct 2009-Feb 2010Team Lead HAMP and Non-HAMP Mortgage ProcessorSupervised call center with over 30 employees; overseeing loan origination, post closing, pre-qualifying and processing for HAMP and non-HAMP modification programs and requested BPO/Appraisals.Developed training, new process and procedures and reorganized both the call flow and personnel.Motivated and coached staff and drove Service Levels from the high 50%s to the mid80%s. Improved Quality Scores from 85% to 90% in less than six months and met call center goals.Monitor calls and coach agents on where failed or missing FDCPA points may have missed. Side by side coaching and provide list to follow so they would fail calls.Ensured high risk accounts and escalated calls were handled in a timely manner.Ensured compliance with Government Loans and RESPA guidelines.SIGNED Authority of $7,299,750 which was the maximum authority limit for HAMPCompleted files for HELOC ApprovalsPlaced Borrowers on 90-Day probationary period updated verbal financials.Trained vendors on which documents are required for review for HAMP ProgramPre-Close sent out Final HAMP documents to the borrowers with heavy contact with their attorneys to retrieve correct documents mailed in a timely mannerHOA/Tax Specialist (Contract) Feb 2009-Sept 2009Helped review and process payments for Taxes and Homeowners AssociationReviewed and approved tax payment requests obtained from 3rd party tax vendor.Negotiated with homeowners association, attorneys and other legal authorities regarding payoffs of HOA dues, Taxes for reduced payoffs or payment plans and researched and responds to internal/external tax and HOA departments for delinquent assessments status requests.Pre-qualified and processed Loans for HAMP and non-HAMP modification programs, BPO AppraisalsCountrywide Mortgage, Richardson, TXMar 2007 Jan 2009Team Lead Partial Claims ProcessorManaged a staff of 24; service the Special Government Loans Portfolio, including FHA, FNMA, GNMA and VA and Interest Only Loans.Interviewed, hired, trained and coached.Moved site QA average scores from 87% to 94%.Improved all measured statistics and met all company goals.Monitor calls and coach agents on where failed or missing FDCPA points may have missed.Side by side coaching and provide list to follow so they would fail callsAggressively worked the deficiency balances to recoup funds or complete re-writes to cure the default.Analyzed loans for participation in a forbearance agreement or in other repayment options based on investor guidelineFreemont Home Equity, Irving, TXStep 2005 Feb 2007Modification Processor/Short Sales/DILWorked closely with the Modification, Short Sale Referral Team and the Problem Loan Team to ensure compliance with investor and RESPA guidelines.Effectively managed 1200-1500 assigned accounts monthly in a Call Center, communicated with customers, brokers, title companies, attorneys.Reviewed/processed on boarding documents and negotiated short sales, deed-in-lieu, forbearance agreements, reinstatements and requested BPO/Appraisals.Underwrote/processed loans per the guidelines for FHA, FNMA, and GNMA and VA, conventional and subprime loans.Audited and reviewed POCs post filing.Validated all related POC documents.Ensured high risk accounts and escalated calls was priority.Processed/reviewed loans for all HAMP, non-HAMP, Repayment modification, FHA,non-.l, bankruptcy and foreclosure optionsCentex Home Equity /Nation Star,Step 2000- July 200560-Day Mortgage Collector/Bk Collector/Team lead/Front line Underwriting/REOWorked as 30-120 Days Bankruptcy Specialist: Maintained portfolios of delinquent accounts contacted and communicated with attorneys and trustees.Worked Ch.7 and 13 bankruptcies which included various reports as well as submitting accounts for motion relief.Held and promoted multiple positions from 30 Days Specialist to 60 Days Specialist.Handled all functions of 60-90 days past due delinquent accounts for multiple mortgage portfolios, with a required monthly goal.Negotiated acceptable payment arrangements while ensuring all recovery efforts were made to resolve past due balances.Managed massive volume of daily inbound/outbound calls including calls made on Davox automated dialer.Monitor calls and coach agents on where failed or missing FDCPA points may have missed.Side by side coaching and provide list to follow so they would fail calls.Audited accounts prior to transferring to loss mitigation.Prepared files to completion to submit to UW150+loans reviewed for any loss mitigation efforts to prevent loss and decision to REO.REO send out property preservation to confirm vacant.Filled in wherever there was a deficiency in personnel a SME on several projectsLead a team of 6 in collections, listen to their calls and provided feedback, side by side learning, set goalIRS, Dallas, TXMay 1984 Aug 2000Bankruptcy TechnicianPlayed a key role in developing process and programs that helped meet company goals.Ensured compliance was followed with Government and Bankruptcy guidelines. Managed 1500 portfolio of bankruptcy files and worked as a liaison for bankruptcy Chapters 7, 13 and 11 attorney and debtors.Processed customer mortgage, payoffs, reinstatements, payments for attorneys, coded accounts and prepare legal documents for debtors/clients and handled discharges, dismissals and prepared Motions for Relief.Audited and reviewed POCs post filing; validated all related POC documents.Obtained and completed appropriate documents to set up a bankruptcy file.Referred files to outside counsel to protect the assets of the company.Monitored, prepared, and filed proof of claims.EDUCATIONWilmer Hutchins, Wilmer, TXBusinessAshford University ofBusiness AdministrationTraining and certifications:Interactive Management Techniques.Diversity Training.Total Quality Management.Quality Improvement Program Training. |
