Responsible for identifying regulatory compliant residential mortgage loans with a focus on LMI borrowers and CRA census tract areas. Responsible for building and maintaining strong long-term relationships with Bank branches, Realtors, Builders, Minority Trade Groups, Community/Faith-based groups and local housing/counseling agencies. Counsel customers on solutions to their lending needs, provide excellent customer service, support all key channel initiatives, conduct sales activities and achieve community service /production goals. Maintain active involvement in community-based groups, local housing agencies and community partners, NAHREB, NAHREP, AREAA, non-profit organizations, community development corps and neighborhood revitalization entities. Build relationships with internal and external referral sources. Conducts and coordinates Homebuyer Workshops (virtual and in person), Financial Literacy Seminars and other relavent educational programming

*Manage the title clearance process for First National Bank of Pennsylvania.*Order entry for residential and commericial orders.*Follow up on various municipalities requirements. *Interface with borrowers, sellers, agents, attorneys, loan originators and processors.*Post closing package review including recording loan related documents.

• Act as a liaison between clients and internal management • Provide assistance with tools & strategies to maximize client service to existing clients • Communicate regularly with clients to ensure their needs and concerns are being addressed • Assist the Company in increasing its flow products and services to existing clients • Assist in the creation and development of new client relationships

• Analyzed and reviewed documents pertaining to mortgages in the foreclosure process; to confirm the validity of its contents, to execute and submit • Facilitated employee engagement activities based on companywide directives. o Conducted informative presentations to employees about the company (various networking groups, companywide discounts, employment opportunities, etc.) • Researched and coordinated opportunities for colleagues to participate in the volunteer program. o Coordinated companywide events (Coat Drive, Hunger Drive, United Way, and Race for the Cure).o Coordinated volunteer activities with nonprofit groups focusing on Corporate Social Responsibility practices; Food Bank, Reading program, Dress for Success, Various Walks.o Associates completed over 2000 volunteer hours in 2013. o 2012 United Way assisted coordinator; raised $4800.00o 2013 United Way site coordinator; raised $6,570.00 o 2014 United Way fundraising efforts resulted in $2,500.00 due to a decrease in staff. • Submitted quarterly Business Continuity updates to ensure OCC compliance. • Managed and tracked daily requests for interrogatories and depositions.o Assisted with training and preparing employees with deposition preparations• Reviewed, revised roster on a monthly basis to ensure current information. • Assisted management with managing notary contractors to ensure availability to associates. • Completed monthly notary audit reporting.

• Loss Mitigations; reviewed loans for the Home affordable modification program. o Reviewed 300 + files / month. Approved 100+ loan modifications per month. • Analyzed financial statements, tax returns, credit reports, and appraisals in order to recommend the most appropriate alternative.• Updated extensive record/file to ensure investor requirements are met concerning condition of property, and measure taken to deter foreclosure.• Facilitated contract negotiations in the sale of property in accordance with company and investor guidelines. • Provided loss analysis and recommendations as related to all aspects of loss mitigation for investor owned and company owned real estate according to the goals and procedures of the department; ensure compliance with company, investor and/or PMI guidelines in relation to all aspects of loss mitigation; maintain internal and investor relations as it related to all aspects of loss mitigation.• Assisted in the control of company and investor exposure/expenses related to foreclosure and property disposition through the use of available pre-foreclosure sale, loan modifications, loan deed in lieu, and partial claim and other available agency and investor remedies.• Arranged for contractual services relating to property inspections, appraisers, real estate agents, etc., that may be involved in the inspection and evaluation of the property.• Corresponded results of loan modification/short sales/deed in lieu decision to the borrower and/or real estate agent.

Senior Client Service Representative (07/2001 to 08/2006) • Handled urgent client issues in reference to appraisal, title and closing orders. • Prepared HUD-1 statements for refinance closings for Washington Mutual and various other lenders. • Interacted with the client, borrower and notary to coordinate closing activities.• Audited post-closing files to ensure funding was completed within a timely manner. • Special project coordinator-reported directly to the Senior Vice President.• Analyzed client performance and trends and developed action plans to address gaps; ensured client requirements were identified and met; provided client maintenance support to sales and marketing; interfaced with support units for client inquiry resolution.• Worked on site at client offices to ensure resolution of client issues in an expedited manner.• Maintained and monitored product pricing schedules.• Assisted all team members with completing tasks when necessary; managed miscellaneous projects for the department director and executive vice president.o Assisted with creating and preparing sales conference related packets. • Interacted directly with department managers, team and work leads along with processors to identify concerns in order to resolve them in a proactive method. • Created the job description for permanent on site representatives. Set up on-site representatives to review any client concerns; resolved client inquiries within a 24-hour turn around period.Client Service Representative (09/1998 to 07/2001)• Worked on the MLCC closing team; monitoring the closing process from scheduling to funding. • Liaison between the MLCC processors, closer and the closing agents. Client Relations Specialist (05/1995 to 09/1998)Resolution Specialist (05/1993 to 05/1995)

• Monitored workflow of the sales support team to ensure projects were completed in a timely manner.• Coordinated information to respond to Request for Proposals and/or Request for Information packets for current and potential clients to be presented by the sales team. • Reconciled sales team commission reports via salesforce.com.

Senior Client Service Representative (07/2001 to 08/2006) • Prepared HUD-1 statements for refinance closings for Washington Mutual and various other lenders. • Analyzed client performance and trends and developed action plans to address gaps; ensured client requirements were identified and met; provided client maintenance support to sales and marketing; interfaced with support units for client inquiry resolution.• Maintained and monitored product pricing schedules.• Interacted directly with department managers, team and work leads along with processors to identify concerns in order to resolve them in a proactive method. • Facilitated several project management assignmentso Special project coordinator-reported directly to the Senior Vice President.o Assisted with creating and preparing sales conference related packets. o Worked on site at client offices to ensure resolution of client issues in an expedited manner.o Created the job description for permanent on site representatives. Set up on-site representatives to review any client concerns; resolved client inquiries within a 24-hour turn around period.Client Service Representative (09/1998 to 07/2001)• Worked on the MLCC closing team; monitoring the closing process from scheduling to funding. • Liaison between the MLCC processors, closer and the closing agents. requirements. Client Relations Specialist (05/1995 to 09/1998)• Handled assigned clients’ concerns related to appraisals, title and closings concerns. • Analyzed daily client service trends and volume reports; compiled client account information to prepare progress reports.• Coordinated departmental training.• Monitored team reporting on critical issues; assisted team partners with urgent client inquiries. Resolution Specialist (05/1993 to 05/1995)• Worked with account executives on resolving client concerns involving appraisal related issues.