Kris Bergman Email and Phone Number

Oversee both the Account Resolution and Loss Mitigation departments to ensure delinquency and losses are consistent with the Credit Union's acceptable levels while performing within all regulatory requirements. Responsible for the development, implementation, and management of the budget for both departments that is consistent with the overall strategic plan and budget of the credit union and external clients. Manage all aspects of the bankruptcy claim filing process. Review and authorize all loan modifications, work out programs, and legal proceedings including foreclosures, garnishments, repossessions, and replevins. Manage and authorize the repossession and liquidation of collateral. Manage the REO portfolio including all aspects of property management and liquidation. Managed third party agency performance and development. Managed surveillance of tier 1 commercial loans and recommended work out programs. Prepare department performance reports for the staff, senior management, the board and regulatory agencies. Participate in the developments and implementation of the credit union's strategic planning, organizational initiatives and projects. Responsible for recruiting, hiring, coaching, training, evaluating, promoting, compensating and disciplining staff members.

Managed the daily operations of the foreclosure claim management business and provided consulting services for business development to company clients. Developed a new client service department to file and manage foreclosure claims, and produce regulatory compliance reviews. Established policies, procedures, processes and performance goals to meet company and federal requirements. Participated in the development of new mortgage servicing and claims processing and tracking products for internal use, leasing and sale. Develop reporting and tracking reports for internal and client use. Presented project proposals, deliverables and results to clients. Responsible for the recruiting, hiring, coaching, training, evaluating, compensating and disciplining of all staff members.

Responsible for mitigating the client losses on REO properties by negotiating the sale price, reviewing and approving the proposed HUD1. Responsible for collecting, reviewing and processing all loan documents to complete the sale within specified timelines. Reviewed and approved all aspects of property management in accordance with client and industry requirements. Participated in the revision of loan processing procedures to improve efficiency and processing time.

Managed all aspects of the loan default department with collections, customer service, client relations, sales and P&L responsibilities. Developed department KPIs, team and individual goals to ensure company budget goals were met. Revised processes, policies and procedures to maintain industry compliance requirements. Managed the implementation of a new collection platform and developed within the new system reports analyzing department and individual performance. Participated in the development and implementation of the company's strategic planning initiatives. Executed and managed business promotion and growth activities through trade show participation and general sales activities. Recruited, hired, trained, evaluated, coached, and disciplined staff members. Provided mentoring to new collection manager and agency sales representative.

Managed the day-to-day operations of three default mortgage loan servicing teams; Early Intervention (10 to 30 days delinquent), Accelerated Loss Mitigation (31 to 60 days delinquent) and Pre-Foreclosure (61 to 90 days delinquent) to ensure delinquencies were consistent with the company's performance goals. Implemented KPIs, goals, procedures, dialer strategies, and implemented departmental best practices. Approved repayment structures and work out programs. Prepared department performance reports for distribution to the staff and senior management. Recruited, hired, trained, coached, and disciplined staff members. Obtained my Missouri real estate license.