Farrah Hayes Email and Phone Number

• Serve as subject matter expert within the team and apply specialized knowledge to support the organization’s vision and direction• Handle all escalated processes related to mortgage fulfillment • Assist in drafting loan modification agreements and review and resolve title discrepancies• Responsible for managing an assigned portfolio to ensure all loss mitigation workout solutions are completed timely and efficiently.• Ability to train and support team of closers in all related functions• Acts as a liaison with other departments to foster efficiency and high-quality output • Undertakes special projects related to departmental activities and performs other duties as assigned. Also ensure compliance with all Investor guidelines and quality controls are in place to protect ServiceMac, its clients and partners • Act as a team lead by stepping in during staff absences and ensuring efficiency and adherence to service standards and rules/regulations within managed pipeline

• Prepare loss mitigation agreements.• Prepare loss mitigation evaluation notices.• Deliver fully executed docs to investor, mortgage insurer, Investor Reporting and imaging.• Coordinate post-settlement system changes and review for accuracy.• Billing, Document recording, and follow up.• May manage an assigned pipeline of loans and/or assign new loans to other loan team members.• May act as a liaison between lenders and legal department.• Helped clients and attorney’s complete short sales.• Perform a QA review of incomplete packages and missing item letters for accuracy based on the required doc matrix.• Re-Calculate modification principal balance capitalization for approved retention options, taking into account past due interest, escrow, and 3rd party advances.

•Order loan modification documents for the borrowers.•Order titles for the property. If title is not clear, I will work with borrower or third party to clear all title issues on the loans.•Monitor trial payments on a daily basis to ensure proper payments have been posted to the account properly.•Execute all loan documents for proper signatures.•Post funds from suspense to bring loans current after modification has been completed.•Send loan documents to third party vendor to have recorded by the county. Monitor and update files for recorded documents weekly.•Handles multiple projects with minimal supervision.•Complete all final calculations for loan modifications and shortsales.•Work with FHA, FNMA, USDA and VA loans

•Review and analyze borrower documentation to determine income and repayment ability, assess borrower's hardship, analyze housing expenses, and determine proper loan resolution.•Analyze delinquency, escrow analysis, analyzes modification scenarios and proposals and recommend appropriate loan workout.•Maintain responsibility for timely and accurate database maintenance as well as updates and corrections in all related systems.•Handles multiple projects with minimal supervision.•Performs mortgage credit analysis, with or without the assistance of automated underwriting systems, to determine borrower’s willingness and ability to repay the mortgage debt. This is done by reviewing the credit package to determine mortgage amount and term, calculating required investment, determining assets available for closing, analyzing credit history, calculating proposed monthly housing expense and recurring debt.•Maintains high quality control and production standards by company’s definition•Assessed troubled borrowers' financial ability, willingness, reason for default, and capacity to make payments, and applied appropriate retention or liquidation solutions.•Complied with investor guidelines and departmental and bank policies when performing the review of mortgage loans.•Performs mortgage credit analysis, with or without the assistance of automated underwriting systems, to determine borrower’s willingness and ability to repay the mortgage debt. This is done by reviewing the credit package to determine mortgage amount and term, calculating required investment, determining assets available for closing, analyzing credit history, calculating proposed monthly housing expense and recurring debt.

•Utilized debt to income ratios, credit reports, and financial statement to pre-qualify customers. •Handled all service contracts for new loans/accounts. •Managed up to 10 tellers, managing teller services function to ensure prompt and efficient transaction processing and the generation of sales through quality referrals. •Maintained high quality control and production standards by company’s definition.•Sold retail merchandise and services to customers, provides a broad base of financial and credit services, utilizes profiling analysis tools to increase production sales.•Handled customer relations and provides quality service to customers with special needs, Manage customer portfolios to ensure proper handling is efficient due to the different interests of each customer.•Handled audit operations and regulatory issues, workflow scheduling and teller training, customer account maintenance and retrieval, serviced vault and ATM machines, processed deposits and withdrawals for various types of accounts, assisted in problem solving in order to handle irate customers and diffuse potential situations.