● Monitored loan delinquencies and covenant compliance, identifying potential credit extensions and investigating the causes of default loans, documenting findings accordingly. ● Held regular meetings with internal and external stakeholders to discuss pipeline status, progress, obstacles, and potential solutions, fostering effective communication with investor and client contacts ● Evaluated borrowers' financial and collateral performance to formulate loan workouts or forbearance agreements, facilitating the resolution of distressed loans. ● Prepared comprehensive memos documenting significant decisions related to business plan changes, refinancing, and legal document amendments. ● Enhanced operational efficiency by analyzing Asset Management and Servicing Agreements content and implementing it in a user-friendly format for streamlined access and querying.

● Maintain open lines of communication with borrowers regarding operating expense items; review capital improvement items for clarification. Also communicate with borrowers on partial releases, assumptions, payoffs, and payoff timing. ● Successfully resolved over 800 assets in various states without significant disruption to the business ● Order and perform property inspections and/or valuation updates on real estate collateral per company policies; review and ensure the equity position of the company and prepare/send weekly reports to senior management for overall portfolio performance.

● Managed all property listings and sales agreements, assures properties are actively marketed for sale in accordance to listing contracts / broker agreements / property management companies, assures work orders are completed accurately maintaining the properties in good repair and within budget. ● Recommends repairs and improvements necessary on Real Estate Owned ("REO") properties that will maximize profitability on the resale of the property. ● Coordinates sub-contractors and supervises the repair/improvement process on REO properties. ● Analyzes real estate market and recommends initial selling price for REO. Makes recommendations to management to adjust selling prices, as necessary.

Managed, maintained and assisted in the disposition of the REO properties, typically received via foreclosure sale or acquisition of Non-Performing Assets (NPA) portfolios.● Key Business Indicator-DOM less than 50 days Valuation-Successfully reviewed and consolidated appraisal report and BPOs to establish marketable list price. ● Sales price to list price is above 100% demonstrating a successful selection of marketing strategy. ● Wells Fargo’s finance recapture rate of over 33% is well above peers. ● Effectively manage portfolios of 500+ properties, both company-owned and investor-owned. ● The audit error rate of 3.92% is better than the department standard of 5%. Documented detailed correspondence in the system for the auditor to easily and accurately track processes. ● Comply with the client, investor, and municipal guidelines. No audit error was found.● Review and analyze repair strategy to accomplish the highest possible contract price.

● Quickly gained knowledge in the application and interpretation of corporate and investor underwriting guidelines and policies, with ever-increasing authority regarding credit approval decisions; streamlined processes and audit loan docs simultaneously to reduce processing and review time. Studied and interpreted appraisal reports to analyze collateral and risk exposure. ● Completed extensive paperwork for each customer: credit, debt service calculations, income analysis (both personal and business), cash flow analysis, and loan review. ● Compiled and presented complex loan files that required exceptions or variance for upper management approval. ● Supervised the performance of loan processors