Selina Harris Email & Phone Number

Credit Review Manager- Auto Finance Fraud / Consumer Fraud and Financial Crimes• Responsibilities include monitoring the daily activities of the department to ensure proper controls exist for timely and accurate completion of fraud investigations, reporting portfolio information to a variety of internal clients as well as interacting with other departments in the interest of achieving the overall company objectives.• Monitor the companies Identity Theft Prevention Program by establishing and implementing reasonable policies and procedures to detect, prevent, and mitigate Identity Theft within the company and in accordance with federal law and regulation and as mandated by the Fair Credit Reporting Act.• Hold weekly and monthly calibrations with the department on fraud case studies to share best practices and identify any opportunities for a successful investigation.• Create reports with viable recommendations for improvement of business operations, efficiencies, and internal controls.• Assist the AVP Credit Review with the development of department strategies for business goals and objectives by providing recommendations policy enhancements for fraud mitigation and effectively communicate results to senior leadership.• Effectively communicate with legal personnel and law enforcement for potentially collateral recoveries.• Utilize investigative tools available to support contract deficiency findings: Lexis Nexis, Carfax, 3 major credit bureaus and other internet investigative websites. • Analyze all aspects of the loan process during underwriting, funding and servicing to identify red flags and trends. Provide training opportunities to the respective department to eliminate further opportunity for dealer fraud or consumer fraud. • Fraud types identified, monitor and report: Synthetic Identities, Identity Theft, Credit Bust- Outs, Subleasing, Exporting, Title Washing, Payment Fraud, Credit Bureau Manipulation, Documentation Fraud, Straw purchases, etc.

Bankruptcy/Traditional Short Sale NegotiatorTeam Lead for 7 agents- Accessible to new hires for side-by-side training and coaching. Create training material step by step for short sale processes. Partner with Investors Portfolio Manager to implement any updated policies and procedures. Provide all necessary training material to assist each agent to become more efficient and maintain high quality reviewsManage a portfolio of distressed assets from marketing, offers, charge-off and closing loan statuses. Review, negotiate and approve sales contracts on assets in accordance with investor guidelinesDesignated Bankruptcy representative to communicate effectively with bankruptcy attorneys, litigation and mediation departments to ensure short sale complies with bankruptcy stipulations according to the investorEvaluate property valuation information to recommend, coach, and authorize list price guidance to listing agents and homeowners. Obtain compile and distribute BPO report information sent from the investor to the floor agents in order to proceed with short sale reviewPartner with foreclosure attorneys to manage foreclosure fees/costs and timelines as well as submit request to hold, cancel, postpone or proceed with foreclosure sales Communicate professionally with internal and external contacts, realtors, title companies, and attorneys on liquidation solutions to achieve the lowest possible loss to the investor Determine financial capacity for each homeowner through financial hardship analysis, income calculations, and credit bureau reviews Assist with internal and external investor/mortgage insurer audits by compiling requested information to ensure short sale was processed according to specified guidelines

Mortgage UnderwriterAnalyze income, assets, and liabilities for qualifying ratios to meet program guidelinesUnderwrite conventional mortgage loans to identify and work through alternatives with clientsMeet established turnaround times required for reviewing documents and initiating tasksAssist internal/external customers and correspondents with loan status, website assistance, web scoring and underwriting scenariosAddress elevated loan questions and issues from lower level analystsAccess and rescore loans through process on decision engines (AUS, DU)Review appraisal performed by external vendors for all variances and discrepancies Report property valuation error findings to investors for corrections to be made to eliminate inflated property valuesAssist in training for upcoming investor contracts and new hires

Dallas/Fort Worth Area

Process loan applications, (auto consumer lending, mortgage, unsecured) customer interviews and analyze credit to fit lending guidelines Account Management, review current customer accounts and offer alternative solutions to prevent further delinquency for 30-60days delinquent accountCustomer Service professional, post payments and respond to customer inquiriesContract preparation, loan closing and file maintenanceAccounts payable/receivable and office supply procurementSubmit insurance claims and update accounts with renewal informationAssist in branch audit review by retracting selected accounts to ensure collections, charge offs, payoffs, renewals and new loans were processed according to company policy Recovery and repossession audits, customer support offering assistance with loss mitigation and repossession fees and cost.

Consumer Loan Underwriter III- Team LeadTeam lead for 8-11 underwriters, trained and mentored on underwriting programs, Employee Handbook updates and computer systemParticipate in Manager Trainee Program, coaching three underwriters who were either new hires or below expected performanceAnalyze over 1400 incoming credit applications via Dealer Track/ Route One database systems to extend credit under company guidelinesConduct customer interviews to investigate possible fraudulent applications and gather information to structure the purchase according to customer’s ability to payImplement sales and marketing programs to finance personnel to create a Win-Win solutionMaintain volume reports, dealer delinquency reviews, and trend assessments for portfolioConduct meetings for the Origination Center with other managers/team leaders related to territory development and risk managementRecovery and repossession audits, customer support offering assistance with loss mitigation and repossession fees and cost.Communication with attorneys for bankruptcy and recovery departments to eliminate escalations during the recovery reviewIssue funding checks to dealers after completion of audit