Catherine Morgan Email and Phone Number

Support USAA Real Estate Servicing in identifying and completing process, risk, and control inventories, procedures, business continuity planning, regulatory compliance, audits (internal/external), RCSA efforts, process improvements, and issue management as each relate to MSR Transaction Oversight for Flow and Bulk Loan Sales.

Supported USAA Real Estate Servicing in identifying and completing process, risk, and control inventories, procedures, business continuity planning, regulatory compliance, audits (internal/external), RCSA efforts, process improvements, and issue management as each relate to cash and investor reporting and accounting functional and oversight duties, with USAA as a Master Servicer.In partnership with Bank partners, significant involvement with initiatives to ensure regulatory compliance and… Show more Supported USAA Real Estate Servicing in identifying and completing process, risk, and control inventories, procedures, business continuity planning, regulatory compliance, audits (internal/external), RCSA efforts, process improvements, and issue management as each relate to cash and investor reporting and accounting functional and oversight duties, with USAA as a Master Servicer.In partnership with Bank partners, significant involvement with initiatives to ensure regulatory compliance and business continuation, e.g FDIC part 370, User Defined Application Tracking, MSR Bulk and Flow Transfers, Data Validation and Report Automation Show less

• Reviewed, responded, and scheduled remodeling appointments• Prepared, estimated, and sent proposals and revisions to potential clients• Project Management of active remodeling jobs, coordinating subcontractor schedules, negotiate pricing• Prepared contract paperwork and tracked expenses on active remodeling jobs• Monitored and managed Client Account Receivables and Vendor Payables• Bank Account Reconciliation

• Direct responsibility for 3 teams within Loan Administration: Escrow, Cashiering, and Bank Recon• Provided leadership and mentoring for 3 Team Managers and 10 Analysts• Serviced 95K residential loan portfolio, overseeing tax and insurance functions (Hazard, MI, Flood), payment and payoff activity, ARM’s, Monthly Billing Statements, and reconciliation of associated clearing accounts. Complete internal/external audit and SOX control requests on a monthly basis.• Managed Vendor… Show more • Direct responsibility for 3 teams within Loan Administration: Escrow, Cashiering, and Bank Recon• Provided leadership and mentoring for 3 Team Managers and 10 Analysts• Serviced 95K residential loan portfolio, overseeing tax and insurance functions (Hazard, MI, Flood), payment and payoff activity, ARM’s, Monthly Billing Statements, and reconciliation of associated clearing accounts. Complete internal/external audit and SOX control requests on a monthly basis.• Managed Vendor oversight for outsourced functions, which includes scorecards and weekly calls.• Handled and resolve escalated inquiries from Borrowers, Vendors, and Third Parties• Identified, implemented, and documented process improvements, coordinating with Customer Service and Default, as needed, to ensure consistent messaging to our clients. Show less

• Managed incoming development tickets and new development projects as submitted by end users within the firm, ensuring each are documented per audit requirements, and managed thru the development life cycle using Kanban or AGILE Sprint methodologies• Conduit between Technology and Operational managers to identify, document, and manage the priority, scope, timeline, and user acceptance testing of requested development• Moderated Daily Scrum Meetings across multiple development teams… Show more • Managed incoming development tickets and new development projects as submitted by end users within the firm, ensuring each are documented per audit requirements, and managed thru the development life cycle using Kanban or AGILE Sprint methodologies• Conduit between Technology and Operational managers to identify, document, and manage the priority, scope, timeline, and user acceptance testing of requested development• Moderated Daily Scrum Meetings across multiple development teams, assisting in the escalation and resolution of any blocker issues * Moderated and documented Sprint meetings during each Sprint Cycle.* Communicated and managed development releases• Participated in various committee meetings within the firm for process improvement, and risk and control management Show less

Served individuals real estate needs in the Dallas Ft Worth Metroplex area by assisting them in the purchase or sale of real estate for personal, business, or investment purposes.

As part of the Loan Syndications and Trading Platform for Goldman Sachs: * Managed a team of 14 portfolio analysts, across $50Bn in commitments, 650 deals * Managed day/day servicing, trade settlement, and corporate actions. * Successfully implemented technical, efficiency, and strategy projects as they relate to initiatives within the corporate loan market.* Resolved escalated issues via cross collaboration with internal departments and external counter-parties*… Show more As part of the Loan Syndications and Trading Platform for Goldman Sachs: * Managed a team of 14 portfolio analysts, across $50Bn in commitments, 650 deals * Managed day/day servicing, trade settlement, and corporate actions. * Successfully implemented technical, efficiency, and strategy projects as they relate to initiatives within the corporate loan market.* Resolved escalated issues via cross collaboration with internal departments and external counter-parties* Responsible for quarterly Risk & Control Self Assessment (RCSA), SOX Reporting, Fed Reporting* Provided continual performance feedback, providing mentoring and leadership development* Created a capacity model to identify required resources based upon complexity of the portfolio Show less

• Responsible for managing a staff of 5 individuals, managed the balancing and reconciliation of daily cash movement between clearing accounts and custodial accounts, resolving account variances within Regulation AB compliance guidelines.• Managed the reconciliation and collection of funds due Goldman Sachs and Avelo Mortgage on newly acquired loans from Sellers. Typically managed 40-50 deals, 4000-7000 loans per month. Prepared monthly and adhoc management reports for Avelo Mortgage and… Show more • Responsible for managing a staff of 5 individuals, managed the balancing and reconciliation of daily cash movement between clearing accounts and custodial accounts, resolving account variances within Regulation AB compliance guidelines.• Managed the reconciliation and collection of funds due Goldman Sachs and Avelo Mortgage on newly acquired loans from Sellers. Typically managed 40-50 deals, 4000-7000 loans per month. Prepared monthly and adhoc management reports for Avelo Mortgage and Goldman Sachs• Implemented ABS reconciliation tool to automate and track the details and workflow of incoming deals. Show less

* Member of the Core Management Team to build the Avelo Mortgage servicing platform for Goldman Sachs; Completed Hiring, System Enhancements, Vendor Integrations, Policies/Procedures, and workflow controls within 5 months of hire• Responsible for implementing and managing the Cashiering and Payoff Departments (staff of 4-5 individuals) • Reconciled and balanced all incoming payment activity from outside vendors, such as Lockbox, SpeedPay, including any activity processed in-house.… Show more * Member of the Core Management Team to build the Avelo Mortgage servicing platform for Goldman Sachs; Completed Hiring, System Enhancements, Vendor Integrations, Policies/Procedures, and workflow controls within 5 months of hire• Responsible for implementing and managing the Cashiering and Payoff Departments (staff of 4-5 individuals) • Reconciled and balanced all incoming payment activity from outside vendors, such as Lockbox, SpeedPay, including any activity processed in-house. Ensured that all cash activity was applied per investor requirements. On average, managed $20million+ in payment activity per month, across a 63K loan portfolio.• Reviewed and resolved posting, reconciliation, and connectivity issues• Ensured lien releases associated with payoffs are recorded within state guidelines. Show less

• Responsible for review, maintenance, and operational training of new Correspondent relationships• Provided Inside Sales Support for Regional Correspondent Sales Managers nationwide• Assisted existing relationships with Pricing, Underwriting, Funding, and Delivery issues/concerns• Created Access databases to monitor client and production data on existing relationships• Assisted in the upgrade and redesign of existing Correspondent/Wholesale Lending Websites

• Processed incoming loan applications from area Loan Officers, collected and validated documentation for submission to underwriting, according to Conventional, FHA, or VA guidelines.• Experienced with Loan Prospector, and Unifi Origination System• Verbal and written communication skills were enhanced through communications with client regarding their application

• Responsible for reporting to Freddie Mac and Fannie Mae on daily basis, including payoffs, foreclosures, repossessions and rectifying errors in accordance with timelines given. Consistent Freddie Mac Tier rating of “1.”• Supervised the processing of all loan transfers to secondary market on servicing systems. Developed program to process batch transfers.• Worked heavily with other Sales & Acquisitions and Correspondent Lending Departments from many major banks and mortgage companies,… Show more • Responsible for reporting to Freddie Mac and Fannie Mae on daily basis, including payoffs, foreclosures, repossessions and rectifying errors in accordance with timelines given. Consistent Freddie Mac Tier rating of “1.”• Supervised the processing of all loan transfers to secondary market on servicing systems. Developed program to process batch transfers.• Worked heavily with other Sales & Acquisitions and Correspondent Lending Departments from many major banks and mortgage companies, i.e. Chase Manhattan, Wells Fargo, and Washington Mutual, to rectify transfer errors.• Responsible for daily balancing of Servicing's deposit to Federal Reserve, and allocation of reports to appropriate individuals• Supervised all functions of the Payoff Department Show less

• Handled customer inquiries regarding mortgage loans, i.e. escrow analysis, payment of property taxes, homeowners insurance, payoff quotes• Processed all portfolio payoffs, including recording of documents in appropriate counties• Responsible for preparation and recording of loan modifications for convertible loans• Enhanced ability to work with several departments, i.e. secondary marketing, processing, closing, shipping, and deposits

• Experienced in bank reconciliation issues, booking of new business, reschedules, payoffs, calculation of payments, interest paid, deposits, drawer balancing, and suspense reconciliation• Strengthened necessary organizational skills, ability to pay attention to detail, and handling of stressful situations.• Enhanced skills required to communicate concepts efficiently and effectively through problem solving of branch issues, and training of fellow employees