Deneen Thibodeaux Email & Phone Number

Dallas/Fort Worth Area

• Manage the Portfolio Credit Review team responsible for a portfolio of modification that represents a significant risk to the client services organization of Capital One. • Govern the process of financial review of special loan modification customers with effective early warning detection skills in order to manage the risk of the portfolio and minimize losses. • Provide strategic audit decisions and recommendations on GRC accounts within the directors credit authority of the Periodic Review Group. • Develop and implement operational strategies and procedures to ensure effective and consistent service. • Analyze departmental operations and activities to ensure efficiency of operations in accordance with Company policy and guidelines. • Develop and implement policy and procedures that govern the Periodic Review Group activities of the organization. • Oversee the investigation of potential losses involving the customer modification, perform onsite audits. • Develop, recommend, and implement financial risk strategies based on well-researched facts and analytics. • Manage projects to time, cost and agreed quality standards • Proactively identify and escalate risk with portfolio recommendations.

Dallas/Fort Worth Area

Chase Mortgage, Lewisville, Texas Senior Processor Manager December 2010 to January 2014• Managed a diverse, cross–functional team comprised of nine senior processors and two doc-chasers. Ensured the team was knowledgeable of various loans offered, including HAFA, ARM, HAMP and Fannie Mae with the ability to articulate the programs requirements up to completion of the refinance process• Influenced and consulted as Subject Matter Expert, making well thought out decisions on complex and/or ambiguous issues, provide insight and potential solution that created value and improved the customer experience• Analyzed workflow policies/procedures and recommended changes as appropriate• Responsible to build and grow a high trust relationship within key contacts within the customer environment. Considered a reference for developing a sustainable relationship• Performed a variety of duties in regards to incoming referral processing active, pipeline management, inbound call center management, revenue & expense monitoring and third party vendor management• Managed Reg B report to ensure processors were within compliance to prevent violations • Delivered cost, quality and time expectations for our customer by establishing a collaborate team environment with customer, employees and vendors – ensuring timely resolve of any customer escalations• Build a professional team that communicated and responded professionally, timely and appropriately under any set of circumstance• Performed operations reviews on a regular schedule with vendors and agents and ensured accountability for all action items resulting from the review• Well versed in all regulatory requirements and ensure compliance throughout entire organization

Lewisville, Tx

Loss Mitigation ManagerDecember 2006 to January 2014JP Morgan Chase – Lewisville, TX• Managed ten Short Sale / Special Servicing Specialists• Approved and monitored all phases of loss mitigation / special servicing for trust deed loans involving bankruptcy, legal action, foreclosures, adjustable rate mortgages, modifications, deferments, deed in lieu of foreclosure and several different workout options• Manage, motivate and develop staff members to reach their full potential• Responsible for implementation of procedures used in the default department to ensure compliance with investors and governmental guidelines for all types of loans, including Fannie Mae, Freddie Mac, ARM, and VA loans. • Implement new initiatives and monitor tactical measures to prevent foreclosures.• Assist business units in determining overall impact or regulatory requirements to procedures, training and controls• Developed department metrics/strategies to improve efficiencies to minimize losses and maximizing cash flow • Perform monthly, quarterly and annual performance reviews and evaluations• Provides Senior Management with monthly reports on goal attainment and productivity, including monthly action plans to consistently meet expectations• Conduct monthly meetings with other departments regarding process changes and opportunities for increased efficiencies• Review intradepartmental function to determine methods of streamlining work flow to provide more efficient operations• Assist with the HOPE NOW initiative of meeting customers face to face seeking the best option to prevent foreclosure• Subject Matter Expert with assisting customers with understanding the detail of various loans including HAMP, HAFA, HUD, ARM, VA

Lewisville, Tx

• Managed and developed twelve senior loss mitigation specialist to reach their maximum capabilities. • Implemented team building initiatives across business units to improve quality and controls that resulted in creased productivity. • Led time and resources optimization initiative to increase business efficiency reducing department cost by 12%.• Performed weekly, monthly and yearly performance evaluations.• Approved over 100 workout options for modification, short sale, deed-n-lieu and payment extension on weekly basis.• Developed statistical behavior models to improve loss mitigation strategies via data extraction, reporting, call quality and productivity, resulting in nearly 40% improvement on quality audits.• Surpassed revenue goal eleven consecutive months• Developed internal and external partnerships, connected the right people, functions and resources to provide the best solutions