Evaluate loan portfolio in various stages of default mitigation and recommend viable strategies for resolutionVendor Manager of the company’s foreclosure firm, oversees litigation process.Work directly with third-party partners for resolution prior to foreclosureManage third-party relationships (Brokers, wholesalers, flippers, rehabbers, retailers, etc.)Work with mortgage companies and lien holders for resolutions prior to foreclosureDirect tax lien transfers Project and adjust monthly analyses on maximizing potential profit and minimizing potential losses within the portfolioReview title searches to ensure that no title issues threaten the standing of our investor's lien on the propertyConduct gain/loss analyses on loans to project any potential future loss versus the acceptance of deed in lieu, cash for keys, or in some cases working with the borrower’s mortgage company for a short sale.Prepare deal packages, obtain approval by Executive Team and follow up to closing stage.Facilitate disposition efforts with loan officers, attorneys, real estate agents, title companies and/or other third parties. Certify that all required actions and other possible outcomes have been reviewed and taken place prior to recommending a foreclosure saleEnsure compliance with company policies and procedures

• Manage a staff comprised of Managers, Team Leads and Agents in our San Antonio, Texas and Scottsbluff, Nebraska call center sites. • Oversee the following portfolios: Auto Loans, Credit Cards, Unsecured Loans, Mortgages, Ad Valorem Taxes, Negative Shares• Manage a portfolio of Early Stage, Mid Stage and Late Stage delinquent loans.• Conduct performance evaluations; providing coaching, counseling, and discipline; resolve personnel related issues• Serve as primary point of contact for clients for operational questions, projects/initiatives and/or issues• Perform client reporting and service level deliverables ensuring collection goal attainment• Perform collector file reviews with managers and leads to ensure department work standards are being met; establish and maintain effective communication with financial institutions to ensure client expectations are being met• Regularly review, update policy and procedures to ensure they are complaint.

Buy and sell financial instruments such as options, commodities and currencies during intra-day market hours. Focus: Oil, Dow and Gold.

Throughout Career at Wells Fargo:• Managed the following loss mitigation mortgage groups with a staff comprised of managers and team members: Single Point of Contact and Underwriting. • Regularly used call center management tools such as Network Queue call routing, ACDs, call tracking systems, internet technology and reporting, IVRs to manage core call center metrics.• Played a key role in updating/re-writing policy and procedures for multiple change control initiatives for Collections, Doc Management, SPOC and Underwriting.• Managed a P&L, operations for departments of 80+ front line employees and managers in risk assessments• Regularly partnered with the following business partners such as attorney network, foreclosure, processing, escrow, call-planning, valuation and vendor management to identify gaps in process within all business lines and create solutions to those business gaps Underwriting• Improved overall material defect rating from 22% to 1.91% annualized, significantly exceeded expectations above all key targets• Effectively reduced a pipeline of over 4000 loans ready for underwriting, to under 900 while keeping quality above a 97% acceptable ratingSPOC• Improved Loss Mitigation Review entry process by redefining the process and adding better suite of workout options to include moratoriums, repayment plans and modification review by training collectors to better determine hardships and ability to pay.• Transitioned SPOC production department into a “hybrid” call center by successfully analyzing call volumes, department inventory and key scorecard metrics improving the Abandon Rate by 50% and Service Level by 20%.• Worked closely with operation risk management to develop a ‘warm transfer’ phone queue system that enables customers to be serviced during all hours of operations as well as an escalation process to make sure customers are being serviced as expected.