Ebony Baker Email & Phone Number

Hanover Park, Il, Us

Honolulu, Hi

• Identify and improve existing business processes to optimize performance and meet best practice standards.• Assist with developing policies and procedures to assure the bank is in line with any new rules and regulations associated with mortgage servicing.• Performed Quality Assurance (QA) testing as assigned by Corporate Compliance Division• Maintain current data of new and pending laws and regulations directly effecting the mortgage servicing• Ensure that all applicable changes are implemented and communicated to the appropriate personnel • Provides support for internal Audit and Examination requests

Honolulu, Hi

• Identify and improve existing business processes to optimize performance and meet best practice standards.• Assist with developing policies and procedures to assure the bank is in line with any new rules and regulations associated with mortgage servicing.• Provides support and assistance to outside auditors when necessary.• Developed and executed departmental vision and strategy plans to lead and manage the team in ongoing bankruptcy, successor in interest, credit disputes and residential asset resolution operations.• Established and administered annual budget with effective controls to prevent overages• Assisted senior level credit officers with maintaining regulatory requirements as well as one off complex Loan applications• Created a Training module for the development of all new loss mitigation personnel as well as cross training for existing employees to maximize the agility and performance of the department• Adjusted job assignments and schedules to keep pace with dynamic business needs, factoring in process, employees knowledge and customer needs.• Fostered the highest levels of morale and productivity through proper employee selection, ongoing development and coaching, delegation of challenging assignments and completion of performance reviews.• Update job knowledge by participating in educational opportunities, maintaining personal networks and participating in professional organizations.

Honolulu, Hi

• Responsible for reducing risk to American Savings Bank by mitigating losses associated with the consumer real estate portfolio, while ensuring compliance with all acceptable internal policies and procedures, investor servicing requirements, banking laws and regulations• Negotiated with customers, worked closely with attorneys, realtors and other professionals to resolve delinquency issues and minimize losses.• Contributed to the development of business unit’s objectives and approaches to assignments. Provide input to the data staff to improve existing technology systems and the development of new Loss Mitigation technology initiatives.• Evaluated pay stubs, credit history, tax information, bank statements debt ratio, loan to value ratio‘s, credit scores, property valuations and various other factors for financial status. As well as title documents and appraisals during the loan modification underwriting processes.

Phoenix, Arizona, United States

• Responsible for providing single point of contact to customers whose loans are delinquent or at a high risk for delinquency.• Responsible for analyzing the customers financial situation and making recommendations on loan modifications or work out options to cure delinquency• Identify, maintain, tracked and logged income documentation for loan modifications• Notified customers of loan modification decisions, current status, options and timelines

Phoenix, Arizona, United States

• Managed a monthly portfolio of delinquent Auto Loans • Responsible for contacting customers to resolve their delinquency and negotiate acceptable payment resolution.• Assigned vehicles out for repossession while maintaining daily communications with repossession vendors.