Christopher Lawrence Email & Phone Number

Washington D.C. Metro Area

Richmond, Va

Handle elevated complex issues for day to day direction and allocate tasks to other default specialists Accurately and efficiently expedite payoff quotes, reinstatement quotes, judgment figures and bidding instructions in a timely mannerReconcile corporate and escrow payment histories and exposures to ensure accurate account balancesMaintain foreclosed property receivables and expense accounts and complete all general ledger entriesResponsible for the protection of the mortgage servicing portfolio by adhering to government regulationsEnsure timely foreclosure of accounts to comply with investor requirements and include filing of claimsMaintain daily communications with assigned attorney vendors to validate foreclosure processes and state timelinesAssist internal departments regarding disputes raised by borrowers, attorneys and title companiesCoordinate customer and legal complaints or suits with in-house counsel and maintain delinquency ratesEnsure accurate and timely Fannie Mae/Freddie Mac, Private investor, FHA and VA loan reportingAssist internal departments with disputes raised by customers, attorneys and title companiesMeet timelines and resolve exceptions to ensure that loans are coded correctly on daily reports

Richmond, Va

Educated borrowers on loan modifications, short sales, deed-in-lieu and forbearanceNegotiated modifications based default resolutions on assigned mortgage default loansAssessed risks to mitigate losses on both Fannie Mae and Freddie Mac pipeline accountsIdentified workout options based on financial packages, credit reports appraisals, hardship information and investor/client guidelinesCalculated net present value and debt to income ratios on accounts to negotiate workout solutionsPrepared agreements for execution of loss mitigation workouts (forbearance/repayments plans, modifications, short sales, deeds in lieu)Performed continuous monitoring of borrowers credit related activities on delinquent accountsWorked with customers, real estate agents attorneys and investors to develop workout solutions on borrowers’ loans who are facing financial difficultiesMade analytical assessments of loss mitigation activity and outcomes on accounts to insure proper protocols were followed

Richmond, Va

Reviewed and corrected data on conventional, FHA and VA mortgage loan documents for completion and accuracyImaged documents audited such as notes, HUD, DEED, appraisal, credit reports, and subordination agreementsAnalyzed residential collateral files for Fannie Mae, Freddie Mac and Portfolio loansManaged assigned loan document pipeline to ensure completion of the closing processVerified accuracy of account information on the original note and the resolved discrepanciesMonitored account details and maintained financial data reports for property acquisitionsEnsured investor, regulatory agency, and internal policies and procedures are met and related activities are documented accordingly

Monroe, La

Ensured closings were completed according to insurer and investor policies and guidelinesMaintained, managed and tracked all pending/ outstanding loan documents and exceptionsRetrieved original notes, title policies, recorded mortgages , assignments and insurance policiesReviewed and filed mortgage documents to ensure overall compliance with terms set forth Analyzed, interpreted and resolved functional related issues to bring transactions to a closeCompleted data entry of new loan bookings, loan disbursing, loan file maintenance, research and servicing of all loan types on the loan operation systemIdentified portfolio risk on a loan level basis to client’s profile, multiple sellers and originators collateral guidelinesValidated chain of assignments for completeness, order assignments and/or allonges as requiredPerformed review of loan servicing files to ensure appropriate, accurate and timely activity is performed on all accounts