Anita Ramirez Email & Phone Number

Westlake Village, California

• Responsible for managing a complex pipeline of counterparty loss mitigation items including repurchaseobligations, unsaleable assets, indemnification agreements, early payment defaults, mortgage servicing rights.
• Coordinate the execution of bailee letters and the shipment of collateral files to the investor’s custodian bank and escalate requests for missing collateral files. Improved customer delivery performance by 20% while.
• Successfully negotiated the resolution of over 2,000 repurchase requests to mitigate losses over $900 million through indemnification agreements, scratch and dent bids, pledge agreements, and risk fee agreements.
• Prepare the billings for mortgage servicing rights trades for the repurchase price, early payoff and early payment defaults, documents reviewed: Mortgage Servicing Rights Purchase and Sale Agreement, Interim Servicing.
• Liaise between post funding groups, client administration, general counsel, servicing, treasury, investor accounting, and credit loss mitigation.Escalate FDIC's consumer complaints with servicing and provide update to.

Westlake Village, California

• Generated approximately $300,000 in revenues, by employing a new process which streamlines the billing of early payment defaults.
• Improved business process for the department which increased response times from our counterparty clients from 55% to 100%.
• Created reports for senior management using Excel and SQL to show current repurchase pipeline progress.

Moorpark, California

• Resolved and successfully escalated escrow tasks, which entailed tax analysis, homeowner and flood insurance claims, requests for mortgage insurance payment deletion and assisted other mortgage divisions, where needed.
• Trained new team new team members on how to effectively engage customer service calls, address borrower concerns, mortgage payments, escrow balance details, principal balance reductions, bi-weekly payments, and.
• Completed approximately 400 escrow tasks weekly with detail and accuracy.

Moorpark, California

• Responsible for delivering accurate detailed information to fund loans through PennyMac’s Early Purchasing Loan program.
• Served as a liaison between counterparty clients and various internal groups such as secondary marketing, treasury, and collateral departments to complete the funding of the loan.
• Successfully funded approximately 100 loans on a daily basis, and reviewed mortgage documents: note, HUD-1, deed of trust, corporate resolution, and appraisal report. Verified closing protection letters with title.

Westlake Village, California

• Utilized systems implemented by Bank of America to review required documentation pertaining to the closing of a short sale. Analyzed initial offers, negotiated purchase price and fees, following final closing fees.
• Established relationships with loan officers, real estate agents, and borrowers. Communicated to proper personnel what fees were negotiable such as HOA Estoppel fees, attorney and super lien state fees, pest.
• Performed routine organized review of required documents to ensure accuracy; residential purchase agreement, HUD-1, 4506T tax document, Bank of America Short Sale Addendum, listing agreement, valuation letter.
• Generated excel reports and created detailed spreadsheets to properly account for each stage of the short sale process.
• Awarded Top Performer 3rd Quarter.

Oxnard, California, United States

My responsibilities were to manage a team of 20 cashiers to ensure the store's checkout ran smoothly. Auditing cash by buying/selling from the cashiers to ensure limits were maintained and balanced correctly. Address customers issues when they wanted to speak to a manager. Escalating suspicious and fraudulent activity to reduce losses. Maintained safe of.