Brad Manuel Email and Phone Number

Reporting primarily to manager of Loss Mitigation department across three sites and offshore, led numerous major initiatives, including updates to key systems and processes. Completed process mapping, job aids, procedure and letter updates, investor deck updates and reporting initiatives in a very time-sensitive and high pressure environment. Interfaced with all levels of the company, from line level employees to senior management.

Serve as team lead for FHA, USDA, VA and Oregon Housing Authority portfolios, assisting borrowers and navigating complex investor guidelines to ensure compliance. As FHA lead officer, helped improve the bank's servicer grade to Tier 1. Headed departmental development and implementation of CoreLogic's modification decisioning software project, working with internal and external partners on large, multi-month business project impacting hundreds of customers annually and having a major impact on the bank's compliance. Drafted training process document used by other departments for their training template. Conducted process and procedure drafting and review. Acclimated and trained new hires on the team. Worked with upper management on problem accounts and assisted with internal and external audits to ensure compliance with investor guidelines. Assisted in implementation of Black Knight's Mortgage Servicing Platform servicing system.

Conducted new hire and current employee training and development. Wrote departmental process documents, procedures, job aids and other training materials. Worked with business groups at multiple sites to streamline short sale process and unify multiple operating procedures into one cohesive whole. Assisted in creation of short sale training manual used bankwide. Conducted new hire training and provided continuous updates to employees both locally and nationwide via teleconference. Ensured procedural compliance with training and development guidelines. Performed root cause analyses for reporting issues. Negotiated escalated short sales and charged off loans as business needs required. Assisted with testing and implementation of proprietary short sale decisioning tool, Equator short sale communication tool and Black Knight's Mortgage Servicing Platform servicing software, including creation and delivery of training materials.

Negotiated queue of 200+ short sales each month, one of the largest in the department. Assisted management on escalated files and special file types, including origination fraud. Served as liaison between floor associates and management as part of company Ambassador Program. Excelled on all file and call quality metrics.

Completed preliminary underwriting on loan modification requests. Evaluated customer financials to determine interest rate qualification. Recognized as a top performer in the department. Gained familiarity with evaluating customer financial information and qualifying borrowers for loan modification programs.

Assisted customers with repayment plans, reinstatements, and any other account issues. Worked on outbound dialer collecting on pre-60 day delinquent mortgage loans. Assisted offsite bankruptcy team with calls from borrowers in Chapter 7 and 13 bankruptcies and ensured call compliance with federal and state bankruptcy laws. Served as acting floor supervisor and handled escalated customer issues when needed.