Brandi Taylor Email & Phone Number

United States

Houston, Texas, United States

• Achieved productivity standards while efficiently managing the Reasonable Diligence team to meet strict deadlines. Accomplishments:• Prior to start as supervisor, the fail rate for the Reasonable Diligence dept. averaged 23%. As supervisor, fail rate averaged 11% since 2020. • Established implementation timelines, coordinated the execution of executive directives, and managed required deadlines. Accomplishments:• Creatively implemented new policies and procedures, making the team more efficient and expedient.• Created and implemented an internal QC system that could be tracked and organized by management. • Provided personalized counsel learning strategies with juniors to ensure they were prepared to meet the demands of the job. • Delegated responsibilities to create an all-inclusive team and ensure all work was completed in a timely manner.• Reviewed loan files for completeness and accuracy to formulate a comprehensive assessment while applying all client and lender guidelines, in addition to HUD and state regulations. Accomplishments:• Organized timely, professional, and accurate resolutions to client concerns, questions, and problems. Clients: claims dpt., executive mgt. teams, and investors whose loans PHH serviced.• Advocated for the implementation of stronger processes to internal and external parties.• Formed intelligent decisions to identify deficiencies within the organization for process improvements.• Maintained risk awareness and regulatory knowledge of HUD guidelines to assist juniors in completing accurate write-ups for the quality assurance team’s review.

Houston, Texas, United States

RMS was bought in 2021 by PHH and responsibilities remained the same as above.

Houston, Texas, United States

• Reviewed and monitored reasonable diligence on foreclosure timeline, pre and post sale.• Directed escalated issues between attorney and different internal departments that managed foreclosure process.• Identified controllable and uncontrollable delays within foreclosure timeline for review by management and HUD claims. • Responded to phone calls and written correspondence received from attorneys and single points of contacts and provided title and document execution during foreclosure process.• Updated loan files with accurate and detailed information for dissemination throughout company. • Reviewed and evaluated several foreclosure documents (such as first legal, bankruptcy, and internal notes) for accuracy and to ascertain loans’ current statuses.

Houston, Texas, United States

• Established communications and negotiation via verbal and written means to attempt to resolve at-risk mortgages.• Accurately underwrote borrowers’ incomes through review of paystubs, tax documents, benefit statements, and business profit and loss statements.• Handled multiple mortgage products that were over 60 days delinquent, as governed by investor, departmental, and legal guidelines.• Analyzed financial statements, tax returns, credit reports, and collateral in order to determine and recommend most feasible and appropriate workout to customer.• Minimized loss due to foreclosure through use of loss mitigation options, such as pre-foreclosure sales, loan modifications, and repayment plans. Certified that all required actions took place prior to completing foreclosure sales.• Arranged for contractual services relating to property inspections, appraisers, and real estate agents who might have been involved in property inspection or evaluation.

Houston, Texas, United States

Reviewing and servicing loans in accordance with the Home Affordable Modification Program for various lenders.

Houston, Texas, United States

Logistics expert who provided assistance in the expedition of accurate and authentic patient records from hundreds of third party providers.

Houston, Texas, United States

Ensured canceled loans, averaging 6,000 annually met mortgage regulatory guidelines, communicated actively with over 300 branches in 28 states.

Houston, Texas, United States

Prepared Loan documents for lender submission and identified conditions needed for files. Analyzed credit report and income levels, and recommended appropriate course of action.