Description :

1. Called Center Metrics Providing solutions via products offered by Wells Fargo Providing customer service to Veterans seeking to keep their homes.
2. Directed Reports 9-20 ACD & IVR experience Manages the activities or operation of loan production in the home preservation environment including VA, FHA and USDA loans.
3. Ensured underwriting guidelines are met per ISS requirements.
4. Responsible for loan documentation and loan monitoring with a pipeline averaging 600 loans.
5. Ensured all call center matrix and compliance are met by direct reports via call requirements as dictated by NSS requirements.
6. Updated and coached team members on underwriting procedures in order to submit loans to underwriting within 25 days from M44 and acquiring within 30 days of M44.
7. Coached and trained each HPS on changes in underwriting and call center procedures.

Experience

7-10 Years

Level

Management

Education

BBA

Description :

1. Supervised a group of 23 Loss Mitigation specialists.
2. Specialists corresponded with customers, brokers, title companies, and attorneys in order to facilitate delinquency resolution through advanced contact, consultation, and collection efforts.
3. Analyzed and compared short payoff, modification, payment plan, and deed-in-lieu scenarios.
4. Recommended best resolution to management and customers.
5. Negotiated and closed optimal outcome with customers, brokers, and attorneys.
6. Processed requires information gathering, documentation analysis, and file preparation/maintenance.
7. Answered inbound calls on seriously delinquent accounts in foreclosure or loss mitigation and determine necessary actions.

Experience

5-7 Years

Level

Executive

Education

High School Diploma

Description :

1. Responsible for supervising and providing support for loss mitigation staff of 10+ that mitigates losses on account that has become 90 + days delinquent to foreclosure.
2. Trained new staff members and training of seasoned Loss Mitigation and call center representatives Reviewed title abstracts, preliminary commitments & title policies to insure lien position.
3. Reviewed sales contract and negotiated pre- foreclosure sale offers to minimize foreclosures losses.
4. Structured and monitored aggressive forbearance plans.
5. Reviewed of detailed financial information to assess mortgagors' capacity for repayment.
6. Modified delinquent loans to bring delinquent accounts to current status.
7. Ensured all loan stipulations are met prior to drawing docs.

Experience

5-7 Years

Level

Executive

Education

Doctorate In Business Administration

Description :

1. Managed a team of 10-35 gatekeepers.
2. Responsible for leading, managing , developing, and training a team of gatekeepers; and for directing their efforts to attain maximum results while complying with company policies and procedures.
3. Oversees gatekeepers procedures to ensure that they are carried out according to established guidelines.
4. Performed duties related to staff development such as performance evaluations, disciplining employees, and training.
5. Trained new hires.
6. Handled complex customer escalations.
7. Used Proficiency in Microsoft Office Suite ( Excel, Word, PowerPoint ) LPS Aspect Lexis Nexis Outlook Accurint MSP.

Experience

10+ Years

Level

Senior

Education

Business Management

Description :

1. Supervised a team of asset managers, which included: hiring, job training, mentoring, performance evaluations, revising and creating processes, and reviewing of proposed loss mitigation strategies.
2. Managed investor and GMAC relationship by striving to improve processes and maximize efficiency through hosting client calls, reporting, audits, and adhoc problem solving as needed.
3. Led departmental project management initiatives, partnering and building relationships with multiple lines of business to ensure effective implementation.
4. Managed liquidation solutions for owned, third party, VA, and active bankruptcy for 1st and 2nd lien mortgages, which include short sale, settlements, deed in lieu, charge off, and short refinances.
5. Reviewed investor servicing contracts and created investor liquidation matrices accordingly.
6. Built risk and compliance controls to ensure internal processes were abiding.
7. Maintained investor relations with a liquidation focus for company owned assets, whole loan clients, and GSE's.

Experience

10+ Years

Level

Senior

Education

Bachelors Of Art In Sociology

Description :

1. Organized and established a highly profitable in-house collection division for a multi-state property management company with over 4600 residential and commercial units.
2. Handle all loss prevention investigations and risk management.
3. Led senior management business-level discussion and decisions involving business vision and strategy, enterprise-level decisions, standardization of best practices, and project governance oversight.
4. Managed administrative, legal, and financial functions for bringing collections in-house.
5. Conducted regular risk assessments and quality assurance reviews to evaluate compliance with requirements and to identify potential gaps in policies, procedures and business processes.
6. Developed strategies to improve default tenant numbers, reduced delinquencies, maximized recoveries and minimized losses.
7. Identified potential problem areas and provided guidance to staff in restructuring the credit approval process.

Experience

7-10 Years

Level

Management

Education

Business Management

Description :

1. Substantially reduced overhead and operating costs by brining collections activities in-house and using 3rd party vendors for problem accounts.
2. Improved 3rd party vendor relationships.
3. Worked with multiple lines of business across the organization to develop, implement, and maintain audit compliance.
4. Built exception reporting to ensure policies and procedures followed government compliance initiatives and investor servicing standards mitigating risk and ensuring compliance.
5. Reviewed title abstracts and financial for negotiating deed in lieu of foreclosure.
6. Reviewed reports and assigned work queues monthly for assigned team.
7. Researched and resolved issues as well as disputes Facilitate training for 300 employees on new systems.

Experience

5-7 Years

Level

Executive

Education

Bachelors Of Art In Sociology

Description :

1. Responsible for loss mitigation platform for east region for mortgage portfolio valued at $.5 billion.
2. Managed, as team member, development of loss mitigation model that was eventual used on all CitiFinancial loss mitigation platforms.
3. Served as liaison to Portfolio Management, Client Relations and Consumer Government Affairs teams.
4. Screened, hired, trained and mentored personnel that were eventually promoted to management positions.
5. Developed and implemented cash flow, timeline, compliance adherence and loss mitigation strategies.
6. Reduced overall portfolio delinquency from 12% to below 5.0% during first year as Loss Mitigation Manager.
7. Maintained overall portfolio delinquency rate from 3.5% to less than 5.0%.

Experience

5-7 Years

Level

Executive

Education

BS In Finance & Accounting

Description :

1. Managed asset liquidation and loss mitigation activities of non-performing residential properties in foreclosure.
2. Audited files to ensure regulatory compliance and lender guidelines are met.
3. Negotiated fees, terms, and/or settled judgments on title including 1st and 2nd liens, if applicable.
4. Prepared pro se legal documents if necessary to stop or delay foreclosure action while assisting clients with alternative programs.
5. Coordinated mediation hearings as well as utilize Pacer, E-Courts, MERS, and ASIC including attending legal workshops to obtain necessary information specific to client(s) legal needs.
6. Liaised with property preservation, vendor management, realtors, attorneys, and others in support of loss mitigation efforts.
7. Ordered and/or reviewed appraisals, broker's price opinions and property inspections noting deficiencies then following up to ensure corrective actions have been taken.

Experience

5-7 Years

Level

Executive

Education

High School Diploma

Description :

1. Coached, motivated and led associates by example; effectively communicated individual, team and company objectives to optimize knowledge.
2. Trained and mentored employees in meeting objectives and exceeding performance targets.
3. Reviewed bank statements, paycheck stubs, profit and loss statements, and tax returns.
4. Partnered with the bank to provide the best available workout option according HAMP (Home Affordable Modification Program) and bank recovery.
5. Led on-boarding efforts and set up new servicing accounts.
6. Educated individuals on investor-specific reporting, accounting, and billing.
7. Ensured the accuracy and integrity of all transactions.

Experience

2-5 Years

Level

Executive

Education

MS