• Analyze applicants’ credit, financial status and property evaluation to determine loan feasibility.• Perform daily maintenance of the loan applicant database.• Adhere to state and federal compliance guidelines regarding retail mortgage lending.• Carefully analyze documents and inform clients of missing items.• Executed loan origination process, including ordering credit reports, appraisals and title r reports.

*Manage the timely disposition of real estate owned properties to mitigate losses suffered by Fannie Mae and/or it's investors via strategic marketing methods based on regional economic conditions, local markets, interest rates and foreclosure volume.*Manage the process of selling foreclosed properties across a diverse geographic area. Research current market values and understand the micro economic trends which drive them. Analyze specific property data and determine appropriate marketing strategy that results in the highest return to investors Citi,Raneiri and Regions .*Oversee complex negotiations and enter into contractual agreements with vendors, brokers/agents, buyers, governmental agencies and HOA's. Adhere to internal department guidelines and external investor/insurer requirements.*Evaluate and approve repairs based on economic model. Negotiate with repair vendors to obtain the best possible repair prices and ensure that repairs meet Investors standards.*Monitor broker/agent performance to Investors time frames standards in the completion of required marketing items. Provide feedback to management on broker/agent performance. Assign and monitor new broker/agents in designated geographic area.*#1 Asset Manager within entire company REO division. Met and overachieved set monthly goals on a consistent basis and set new standards for monthly performance.

* Acted as a Subject Matter Expert which included training to other Processors and helping with escalated issues* Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of conforming and non-conforming mortgages. * Proactively identified clear and accurate loan documentation in order to maintain industry compliance regulations* Received a " EXCEEDS" rating for the year in this role which included earning multiple awards

* Acted as a Team Lead and Subject Matter Expert which included training to all other employees.* Promoted to a production analyst role which included calculating production data for compensation purposes.* Conducted all negotiations for Short Sales and Settlements assigned. * Responsible for underwriting files to determine appropriate losses based on company guidelines and regulations.* Extensively reviewed appraisals, contracts, and hardships to help determine acceptable losses for the company.* Worked with an extensive amount of realtors, attorneys, and title companies to move files to closing.* Received two consecutive years of an EXCEEDS rating on year end reviews

*Renovated, financed and rented houses all throughout West Florida and negotiated numerous purchase contracts. *Helped prospective buyers obtain financing through various lender and government agency programs *Successfully managed and succeeded owning 13 properties at a time using strategic marketing techniques and successful negotiation skills

* Managed, hired and trained 8-12 Processors and 4-6 Junior Processors. * Made sure staff Complied with all regulatory practices and HMDA guidelines; took care of all customer escalations and pricing discrepancies. * Responsible for increasing teams production from $50 million to $125 Million a month * Established processing goals for staff and motivated them to reach and surpass their goals * Honored as Top Closing Manager for 10 out of 12 months * Maintained customer satisfaction rating of 90% * Consistently exceeded the companies closing standard off 33% of pipeline per month by averaging 44%

* Directed the growth of my sales team by developing a strategy focused on production volume and profitability while managing customer relationships with the highest level of professionalism. * Recruited, hired, trained mentored, motivated and retained support staff, as well as overseeing the service and quality of loan packages originating from the branch* Highly-effective leadership, communication, motivational and inspirational skills, which led to 95% employee retention ratio and four out of six employees promoted into management positions* Increased sales team performance from $60 million to $300 million in a month* Opened sales offices in California, New Jersey and North Carolina* Consistently Earned the award for top manager for the most mortgage closings and highest profitability margin