Conducted comprehensive analysis of existing workflows, systems, and procedures, identifyinginefficiencies and proposing strategies resulting in enhanced productivity. Collaborated cross-functionally to implement process modifications, ensuring seamlesstransitions and minimal disruption.Utilized data-driven approaches to measure performance and create dashboards using PowerBI,effectively tracking improvements.

Generated external partner reports on loan modification compliance, ensuring adherence topolicy. Provided consultative support, resolving issues and achieving organizational objectives throughcollaboration. Conducted training sessions on policies, procedures, and compliance requirements for mortgagebankers. Oversaw the day-to-day operations of Fannie Mae loan portfolios, ensuring accurate and timelyprocessing of transactions. Maintained a comprehensive understanding of Fannie Mae guidelines and industry regulations toensure strict adherence in all loan servicing activities. Provided exceptional customer service to borrowers, responding to inquiries and resolving issuespromptly and professionally. Collaborated with borrowers to explore loan modification options and implement loss mitigationstrategies when necessary, in accordance with Fannie Mae guidelines. Managed loans in default, coordinating with foreclosure and bankruptcy departments as needed,while working to minimize losses and maximize recovery. Prepared and maintained accurate records, reports, and documentation related to loan servicingactivities, ensuring completeness and compliance. Worked closely with internal teams, including underwriting, risk management, and legaldepartments, as well as external stakeholders, to ensure seamless loan servicing processes. Conducted regular audits and quality checks to ensure data integrity and compliance with FannieMae guidelines

Conducted thorough financial assessments of borrowers facing difficulties to determine the rootcauses of delinquency and establish viable solutions.Engaged in empathetic and constructive communication with borrowers to understand theirfinancial situations, provide guidance on available options, and facilitate solutions to preventforeclosure. Collaborated with borrowers to explore and implement loan modification options, such as interestrate adjustments, term extensions, or principal forbearance, in accordance with regulatoryguidelines.Negotiated and structured forbearance agreements when appropriate, outlining temporary reliefmeasures while working towards a sustainable solution.Facilitated the process of short sales or deeds in lieu of foreclosure for borrowers for whom othermitigation options are not viable.Worked closely with legal and foreclosure departments to ensure seamless coordination andcompliance with legal requirements throughout the mitigation process. Maintained accurate and comprehensive records of all interactions and transactions related toloss mitigation efforts, ensuring compliance with industry regulations.

Reviewed and analyzed personal credit reports and DNB data to determine creditrisk. Ensured compliance with regulatory guidelines and company policies in the credit evaluationprocess. Made recommendations and decisions on credit applications based on established criteriaand guidelines. Prepared and sent out formal letters of denial when necessary, clearly outlining thereasons for denial and any necessary legal compliance requirements. Interfaced with applicants togather additional information, explain credit decisions, and address inquiries or disputes.

Thoroughly examined completed auto loan contracts to verify accuracy,completeness, and adherence to internal credit policies and guidelines. Evaluated loan contractsagainst the organization's credit standards and ensured they met specified criteria for approval.Conducted comprehensive reviews to confirm adherence to usury laws and interest rate regulationsapplicable to each state where loans were issued. Documented findings and prepare detailedreports outlining any discrepancies, violations, or areas of non-compliance with credit requirementsor usury laws. Documented findings and prepared detailed reports outlining any discrepancies,violations, or areas of non-compliance with credit requirements or usury laws.