Settling mortgage debt on behalf of private clients, using customized solutions. Offering workout solutions to customers on 30+ day delinquent mortgage accounts; focusing on Short Sales, Deed in Lieu of Foreclosure, Modifications, Discount Settlement Offers and Repay/Forbearance Plans.

Hired as a REO Asset Manager, promoted within 10 months after acquisition of EMC. Continually recognized for superior performance.Key player in the creation, development, and execution of innovative new solutions for mortgage loan modification, short sale, and loss mitigation efforts for a leading global financial company.Strong face-to-face customer service, account and project management role, working on complex mortgage loan modifications, gathering and submitting documents to meet strict decision timelines.Apply influence and organizational savvy to advance education and community awareness externally, speaking to groups of up to 500 on foreclosure prevention techniques. Create and execute actionable plans and strategies to capitalize on market opportunities, resulting in consistent top 25% ranking nationwide for production. Establish relationships with local government, non-profit organizations, attorneys and real estate professionals to organize community events and use all available resources for customer assistance. Gather and manage documentation, actively monitor and analyze borrower’s financial condition to present practical and individualized solutions. Effective leader in complex / emotional environments, with the ability to balance competing priorities and deliver resultsOffered cash for keys on REO properties, utilizing highly effective negotation and interpersonal communication skills. Managed a fast-paced portfolio of 85-110 rotating delinquent accounts, managed and submitted 45-50 deals each month, consistently exceeded all target quotas and goals. Account ManagementDelinquent LoansVendor RelationsPublic SpeakingLoan ModificationsLoan OriginationShort SalesLoan Buybacks

Hired as a Loss Mitigation Manager, promoted after one (1) year. Successfully managed 150+ delinquent real estate loans per month, negotiated repayment plans, full and partial loan reinstatement, short sale, modification and foreclosure processing. Serviced loans in all phases, from two (2) payments behind all the way through the REO process.Contacted delinquent borrowers through phone calls, system letters, and authorized 3rd parties, utilizing skip-tracing tools when necessary.Consistently maintained a delinquency ratio below 5%, with all foreclosures and legal notices processed within proper timeframes.Conducted a forensic audit on buyback loans and provided detailed reporting with justifications.Tasked with decision-making responsibilities for REO sale approval & denials, reviewed and confirmed all valuations used in the process. Utilized a consultative account management approach to develop and execute effective homeowner solutions and facilitate optimum organizational performance. Loan OriginationAuditsTraining and DevelopmentDelinquent LoansVendor RelationsLoan ModificationsOperations ManagementDebt Counseling

Strong operations management role, with responsibility for a staff of 20, including three (3) supervisors in the customer service, account management, and payment processing services for a financial institution in a fast-paced call center environment. Orchestrated strategic process improvements that reflected corporate goals, advanced market share and penetration, and achieved profitable growth. Supervised quality customer service operations, handled a large value of inbound and outbound call campaigns with a consistent call drop rate below 2%. Loan OperationsTraining and DevelopmentClient Relationship ManagementOperations ManagementProcess Improvements

Tasked with all aspects of escrow administration including account management, collection of timely tax and insurance premiums. Managed a staff of 12 and ensured that bank exposure to loss was significantly reduced. Managed the new loan insurance and property tax line process for up to 80 accounts per day to ensure accuracy. Secured and developed productive relationships with property tax, lender, and mortgage insurance vendors. Remained informed on all new tax and insurance laws, ensuring compliance with all regulations. Ensured that insurance premiums were kept current, advanced delinquent taxes, and placed force-order insurance to protect collateral. Training and DevelopmentGovernment RegulationsEscrow AdministrationClient Relationship ManagementVendor Relations

Gained hands-on leadership experience while opening a new mortgage lending office in Southern CA. Acted as interim manager at diverse locations and performed loan origination duties with experience in all phases of the process. Responsible for managing underwriting, loan processing, coordination, and business development for all products. Marketed new products to customers and real estate agents, resulting in increased sales and revenue growth.Operated as a loan officer as necessary, gathering documents and submitting loans for funding. Loan OriginationOperations ManagementProcess ImprovementLoan Administration