• Conducting in depth reviews and manage multiple accounts. • Collaborate with both internal and external partners to collect past due invoices.• Produce reports and update spreadsheets on a daily basis to determine delinquency levels on past due accounts. • Understand the nuances of Third Party Billing Portals, design digital billing methods that accommodate existing Customer’s and Ecolab. • Establish payment plans with existing customers and document collection activities.• Find methods that shorten the timeline of the billing lifecycle, and increase the cash flows

Commercial Underwriter for the origination of SBA Payroll Protection Plan loans.• Gathered and reviewed business loan applicants’ financial statements, tax returns, and business income data to establish loan eligibility and determine maximum loan amount for the business within SBA guidelines.• Reviewed loan applications for loan qualification and forgiveness of debt.• Analyzed Payroll Reports, reconciling eligible expenses to determine if payroll and non-payroll expenses were valid and could be used towards loan forgiveness.• Audited company financial statements confirming the validity of reduced revenue caused by the pandemic.• Approved and denied commercial PPP loans based on the customer’s credit, capacity, and collateral

Commercial Loan Processor for the SBA Economic Injury Disaster Loans• Gathered, reviewed, and compiled applicants’ financial statements, tax returns, and business income information to establish loan eligibility and determine the maximum loan amount for the business within the SBA guidelines.• Confirmed type of business, reviewed credit history, and determined entity’s eligibility based on the SBA loan program’s guidelines.• Investigated if applicant had any prior SBA loans to avoid duplication.

Asset Manager Loss Mitigation• Asset Manager for approximately $15MM in foreclosed residential properties throughout the United States with primary focus on identifying loss mitigation loan solutions for homeowners.• Mitigated potential losses with goal of preventing homeowner from losing the property to a Foreclosure Auction.• Reviewed loss mitigation options including Modifications, Deed-in-Lieu of foreclosure, and Short Sales.• Assisted homeowners in the sale of their property.• Monitored foreclosure timelines and appraisals, examined closing statements, and reconciled Bayview’s financial position regarding liquidation of the property.• Analyzed the homeowner’s financial position in regard to ability to pay their mortgage, as well as other financial obligations

Short Sale Negotiator• Managed liquidation of real estate via short sale for homeowners whose properties were placed in foreclosure.• Negotiated short sale offers with banking institutions and finance companies.• Gathered, reviewed, and compiled homeowners’ financial information to determine their current affordability as to mortgage payment and needed living expenses.• Analyzed appraisals, broker price opinions, and current market conditions, recent sales, and listings in the subject property’s immediate area.• Made determinations as to the homeowners’ equity position relating to mortgage indebtedness and the subject property’s market value

Asset Manager Loss Mitigation/Corporate Loan Servicer• Asset Manager for $30 MM in foreclosed residential properties throughout the U.S., with the primary objective to identify and implement loss mitigation loan solutions for homeowners.• Provided possible retention or liquidation plans to prevent foreclosure, including loan modification or payment plan, Deed-in-Lieu of foreclosure, or short sale.• Mitigated potential losses to prevent the homeowner from losing the property to a foreclosure auction.• Assisted homeowners in the sale of their property and managed the short sales process.• Reviewed appraisals, examined closing statements, and reconciled homeowner’s financial position in regard to liquidation of the property.• Served the last two years at Ocwen by working with Litigated Residential Mortgages within the Loss Mitigation Department in collaboration with company’s legal team and outside Law Council