QUALIFICATIONS

• Leadership skills and experience as Job Coach and Subject Material Specialist
• Ability to work independently while handling multiple projects/assignments in order to adhere to strict deadlines
• REO auditing background including subject material training
• Experience with recruiting and hiring for new projects.
• Classroom training and development of new employees.
• Exceptional interpersonal skills including highly regarded communicative capabilities and ongoing positive rapport with subordinates and superiors and clients
• 5+ years of experience in Loss Mitigation, Business Control management, and Loan Processing
• Monitored client loans and borrower documentation to regulate and ensure compliance
• Working knowledge of government guidelines and credit bureau reports
• Knowledge of underwriting guidelines and closing procedures
• Skilled at learning new concepts quickly while working well under pressure
• Strong project management skills
• Experience with Bank of America’s REO process including Asset Managers, Closing Officers, and pre-marketing specialists
• Strong understanding of modification process, including MHA
• Advanced proficiencies with Agent Desktop

EXPERIENCE
Confidential,Retreat Capital Management February 2012 to Present
Business Control Analyst REO /Subject Material Specialist (SME)

• Mitigate company risk by reviewing audit processes, providing feedback to the assigned business unit, identify trends and communicate process gaps.
• Review and evaluate current procedures and trends to increase efficiency and ensure policies are within compliance.
• Maintain and grow subject matter expertise by keeping up to date with Mortgage Servicing procedures and processes.
• Prepares and presents audit issues and recommendations. Identify performance gaps and implement solutions to close them.
• Responsible for auditing Asset Managers, Closing Officers, and Premarketing Specialist to ensure all business guidelines are met.
• Create and maintain audit reports to ensure compliance and accuracy.
• Provides weekly and monthly feedback to the business units to assist in performance improvement initiatives.
• Maintains the confidentiality of audit findings, customer data, and Company proprietary information.
• Conduct coaching and classroom training to diagnose opportunities for quality and subject matter improvement.
• Knowledge of BPO/Appraisals, Repair Bids, Purchase Agreement, HUD1, Title Reports, Real Estate Commission Structure, Deeds, and Addendums.

Confidential,June 2008 to September 2011
Job Coach/Leadership

• Monitored progress and quality of the work completed by participants and documented the findings
• Strong presentation and facilitation skills to engage participants in meeting program goals
• Ran compliance and adherence reports
• Oversaw escalation of accounts for resolution
• Scheduled and conducted meetings for daily and monthly updates
• Provide general oversight of and counsel for team members
• Planned, organized, and arranged award ceremonies.

Loan Processor/ Loss Mitigation

• Performed a thorough review of a loan’s history for errors or deficiencies regarding documents sent in by customer or third party
• Resolved customer issues regarding all aspects of delinquent loans, including: complex inquiries, account updates, document generation, document chasing, and light to medium underwriting
• Performed a thorough review of loans and provide accurate information for all potential loss mitigation workouts, and sent loan files to negotiators for review and approval
• Responsible for detailed activities associated with loss mitigation, including short sale, and modification
• Required to solicit loans currently in foreclosure
• Contacted borrowers, realtors, and attorneys to discuss best possible loss mitigation workouts including short sale, modifications, repay plan, and special short sale incentive offer
• Interacted with customers and third parties to accurately and timely collect documents to support modification or short sale, such as 4506-t, RMA, paystubs, bank statements, award letters, tax returns, listing agreements, and any other documents needed for workout plan
• Perform a thorough review of loans and provide accurate information for all potential loss mitigation workouts, and send loan files to negotiators for review and approval
• Analyzed for errors such as: financial information not matching up, 4506-t filled out incorrectly, customer not reporting true income for workout decision, check listing agreement for expiration date, and following up with escalation of issues as necessary
• Required to meet specific quality and volume requirements for specified activities. Chase’s best practices require offering these options to keep borrowers in their homes, and/or minimize loses to the bank
• Awarded 2010’s Top Performer

Confidential,September 2007 to June 2008
Collections Specialist

• Collected on accounts up to 60 days past due on a dialer system and customer service inquiries
• Inbound customer service calls such as insurance updating and dealership payoff quotes
• Setting up promise to pays in accordance with customer arrangements
• Due date changes and auto pay set up, as well as any and all questions related to customer service
• Set up multiple payment arrangements and skillfully negotiated based on customers pay cycle and current financial situation
• Determine if candidate is qualified for special assistance through Workout Department such as loan re-modifications, lowered interest rates, lowered payments or settlements

Confidential,July 2006 to July 2007
Mid-Range Account Manager/Loss Mitigation 2007-2008

• Maintained and reduced delinquency on sub-prime accounts while minimizing losses and collecting all accounts to a current status
• Making effective use of Prime Time calling periods as established by Servicing Management
• Ensured that all accounts scheduled in portfolio were worked every day and all insurance and demographic information verified each time customer was contacted
• Determined the reason for delinquency and assisting the customer in resolving the problem permanently to avoid any further delinquency
• Negotiated skillfully in all situations with external customers in order to meet monthly standards and expectations for number of calls, delinquency, charge-offs, repossessions, clearing ratio and extensions
• Met and exceeded objectives and completed all assignments as directed by Servicing Management
• Collected on accounts 40 days past due until charge-off
• Offered Deferments and ATA’s strategically to meet company numbers
• Worked with customers one-on-one to bring accounts to current status
• Account skip tracing and worked with third party vendors to secure collateral as needed on a case by case bases

EDUCATION

Studied computer networking