Anthony J. Ruff Email & Phone Number

Rochester, New York, United States

Rochester, New York

Rochester, New York

Rochester, Ny

A Subject Matter Expert for all mortgage products, investor requirements, government regulations, policy and procedures, supports the Modification and Forbearance Lines of Business Management and Project Managers.Responsibilities include:- Assist supervisors/management with Ad Hoc requests for reporting and/or support.- Act as liaison for Loss Mitigation and Default Initiatives, Technology and Policy/Procedure Review functions.- Data analysis in the form of control reporting to the Line of Business, pushing out up to 10 reports daily.- Wrote procedures for any/all responsibilities and daily tasks.- Create/maintain a number of different systems profiles for programs used by employees in the Line of Business.- Create and test reports with Management Information Systems partners, analyzing any gaps identified in testing.- Ensure compliance of regulations by testing the active loan pipeline on key milestones in the life-cycle of a loan.- Analyze gaps in the process via root cause analysis of a number of timelines set forth by the Treasury Department.- Responsible for the testing of multiple end user systems via User Acceptance Testing for the Line of Business.- A working knowledge of regulatory/investor guidelines as relatable to Loss Mitigation.- Employee of the month for my LOB - 5/2015.

Rochester, Ny

Led efforts to effectively facilitate a yearlong system integration project called Project UNO for my line of business, as chosen by Line of Business Management. The goal was to standardize information across platforms. The project was successfully completed on time and all changes are currently being utilized in the system.Responsibilities included:- Gap analysis to identify existing differences between both partitions being integrated.- Write test scripts to test changes being made based on the Business Requirements Document created for the project.- Test scripts in multiple User Acceptance Testing environments to identify working and non-working code.- Non-working code split out as defects and further developed and tested.- Facilitate daily/weekly conference calls with Project Managers and Line of Business Management to work through issues and update all parties involved in the progression of the project.- Re-write procedures based on the Business Requirement Document with the help of procedure writers to ensure that the Line of Business was prepared for migration

Rochester, Ny

Spearheaded efforts in managing an active pipeline of 50-75 clients on a monthly basis in support of the federal government’s Making Homes Affordable initiative for JPMorgan Chase Bank in a highly competitive production based environment. After the underwriting and quality control of the accounts was completed, the decision would be personally conveyed to the client.Responsibilities included:- Recommend/provide solutions to assist clients in resolving their delinquent status based on various programs and/or investor guidelines by making outbound calls/receiving inbound calls via a high volume call centre queue.- Responsible for the timely/effective resolution of issues and operational efficiency in servicing mortgage accounts.- Collaborate with other departments (Operations/Quality Assurance) to ensure integrity of processed applications.- Underwrite loans using government/investor guidelines in the Freddie Mac Imminent Default and Default portfolios.- Perform complex income calculations for various sources of income, including: W2, self-employment, rental income, and government assistance.

Rochester, Ny

Dealt with and utilized credit reporting agencies, including Lexis/Nexis, Experian, and Equifax, to either extend or deny credit services to potential clients. Additionally, collaborated with partner banks and clients in order to resolve issues such as pay/no pay decisions.Responsibilities included:- Review and work on credit decisions, refund client accounts up to $50,000.- Submit financial reporting to management on a weekly basis using Microsoft Access and Excel.- Speak with the field and Accounting Department to resolve reconciliation items/ensure the integrity of bank detail.- Ensure timely posting of adjustments to keep the integrity of client accounts.- Balance six Money Managers for our 401(k) recordkeeping service on a daily basis.- Manage checks received to the building/lockbox and make sure they were applied to the correct product/client.- Use Checkfree Software to identify paid check discrepancies.- Saved the company from substantial losses by identifying fraudulent checks being submitted on company accounts.

Rochester, Ny

General Customer Service in the Front End area including pushing carts in the parking lot as well as cashier duties.

Bachelors Degree, Major - Mathematics/Minor - General Business

Received the Cardinal Scholarship for Academic Achievement.

High School