Kathy Morant Email & Phone Number

Largo, MD

• FSC First is recognized as the premier lender of non- traditional financing for small and minority-owned businesses in the state of Maryland. Job Title/Responsibilities Overview:Responsible for managing the loan.
• Loan Servicing & Portfolio Oversight: Monitor the entire loan portfolio, ensuring proper servicing and risk management for all loan types.
• Risk Assessment & Methodologies: Implement and maintain risk rating methodologies to assess loan risk. Ensure accuracy in risk evaluations for portfolio loans.
• Loan Restructuring: Lead the restructuring of loans where necessary, working with clients to revise terms while balancing risk and return.
• Collections & Recovery: Manage the collections process, overseeing recoveries, liquidations, and write-offs where needed.
• Client Relationship & Bank Partner Coordination: Assist clients with the structuring and management of relationships with bank partners, particularly in regard to participation loans and their funding.

Washington D.C. Metro Area

Midland Government Services is a leading provider of loan servicing, asset management and financial services for U.S. Government agencies.Responsible for payment processing, loan administration, loan accounting, and asset and portfolio management services for Government. Credit, covenant compliance monitoring. Also responsible for running various reports.

Mclean, VA

conducts data entry and administrative activities as necessary in support of Portfolio Administrators.Monitors credit compliance by resolving or escalating collateral and past due exceptions. Proactively facilitates loan servicing requests in adherence with all applicable credit, legal compliance and regulatory requirements. Ensures, validates and.

Mclean, VA

• A contract position working for a government agency responsible for providing liquidity, stability and affordability to the housing market.
• Monitored servicer performance and compliance with terms of business
• Resolved errors with Servicer by deadline and within requested standards of customer service.
• Audited Servicer P &I and T &I custodial accounts and revolved discrepancies with Servicer.
• Monitor Servicer reporting, cash flow and credit risk mitigation.
• Provided resolution to a wide assortment of problems including Servicer billing, investor reporting, loss mitigation, default reporting, password resets to a variety of applications, Servicers scorecard.

Washington, DC

• Post all mortgage coupon/transfer payments requests, Home Equity payment requests
• balance the mortgage general accounts on a daily basis
• Responsible for maintaining and reconciling the ACH automatic mortgage payments.
• Set-up, review and process monthly interest rate changes for all first mortgages and Home Equities serviced by the Credit Union.
• Performed testing and validation on OSI Prod, CUTE Tests and Oracle (online banking) softwarePost Closing
• Obtain, review and correct documentation necessary to ensure enforceability and salability of the mortgage loan.

• A contract position working for a government agency responsible for providing liquidity, stability and affordability to the housing market
• Worked with servicers, brokers and negotiators to prevent foreclosures and credit losses
• Contacted servicers to request required documents needed to close HAMP loans
• Advised servicers on information required to make accurate decisions.
• Ordered, reviewed and compiled complex at-risk loan account information/files
• Provided training/instructions to servicers on policies and procedures

Reston, VA

• Short-term contract position supporting a government sponsored agency working with American home buying
• Analyzed and resolved technical problems raised by external customers via phone, web chat and fax using trouble shooting procedures.
• Logged interactions and escalated issues when needed. Followed up on escalated issues by calling back clients following the investigation or referring from the Tier 2 Support team.
• Provisioned access to users. Addressed security issues such as ID and Password. Resolved registration issues.
• Performed emergency setups and configurations for customers.
• Accessed software updates, knowledge bases, and frequently asked technical questions

• A contract position with an international company that issues grants for disaster relief programs.
• Responsible for reviewing 100 grant cases daily in the area of property titles, appraisals, ownership, FEMA documents and insurance allocation
• Responsible for process reviews and underwriting
• Reviewed, proofread and analyzed all customer documentation to ensure compliance with federal and state regulations regarding grant money.
• Maintained a complete understanding of all applicable program policies, requirements, and procedures.
• Provided required standardization of input to various grant software, such as JIRA, Issue tracker, Archived Issue Tracker, eGrants, Grant Review as the historical audit trail of all actions taken on a case, along with.

• Responsible for procuring new business utilizing both inside and outside sales techniques
• Worked with clients to determine short-term and long-term financial goals
• Ascertained the correct loan parameters through credit analysis and pricing models in the loan origination system and thru DU, and LP underwriting.
• Ensured loans are clean and met underwriting conditions in a timely manner
• Kept up-to-date on new loan programs and strategies to improve overall productivity and company performance

• Generated and developed new business accounts from referral and creative sources
• Qualified potential clients. Determined creditworthiness
• Ascertained the correct loan parameters through credit analysis and pricing models in the loan origination system and thru DU, and LP underwriting.
• Reviewed customer documentation to ensure compliance with underwriting guidelines and liaised with Managers for approval
• Provided responsive and professional service to internal and external customers of the organization

• Created and managed Loan process from inception through closing
• Prospected for leads, identified prospective customer needs, gauged interest in loans with Ameriquest, and closed the deals
• Qualified potential clients by determining credit risk, evaluating/researching loan amounts, and verifying application information
• Responded to incoming loan-related customer inquiries
• Determined the correct loan parameters for use when calculating loan revenue utilizing the pricing model in the loan origination system.
• Calculated financial components of the borrower's new loan, including monthly payments, monthly savings and advantageous interest rate changes

Ba, Psychology

General Diploma