Senior Consultant/Mortgage/Financial Services Provide Mortgage consultant service for clients, including subject matter expert in the mortgage servicing area, financial services, and compliance, audit and customer service industries. Provide training, turnaround review, and overall performance reviews.Efficiency improvement, process development, and automation through introduction of new technology and processes Identify, analyze, improve and implement solutions to business problems, processes and/or opportunities. OCC, CMS settlement, start process to monitor CFPB new initiatives, as well as BK/FC/REO/claims, MI claims.Prior work experience or interaction / oversight of regulator relationship (E.g: OTS / OCC, Federal Reserve, CFPB Manages the daily staff operations and performance by conducting regular reviews, scheduling and monitoring activities, responding to inquiries, assisting with employee events, coaching and evaluating employees, and discussing ongoing collections issues.Manages/Train, FDCPA and other debt collections statutes and regulations.Complete implementing strategic plan initiatives, setting goals and objectives, reviewing service levels, ensuring that customer needs are met, resolving escalated complaints, participating in the hiring process, and working with agency departments.Manages resources by cross training employees, monitoring systems and procedures, developing and monitoring annual budget, researching and developing new business opportunities, studying potential service impacts, and assisting with software development and improvements

Default Servicing/Vice President, Project Management, Default ServicingResponsibility including special projects such as overseeing $7B+ in assets-30K accounts in outsourced assets with two vendors, all aspects of loss mitigations(foreclosure, REO, front-end collections, litigation, retention, customer service, legal/compliance and new regulatory execution via OCC and NMS settlements.Project planning / Short Sale volume, Deed in Lieu volume, NMS Bankruptcy Loan modification campaign, and modification of FHA/VA defaulted loans, with sales after completion of 90 day trail payment..Beat internal performance metrics.Oversaw and ensured internal standards were maintained for CitiMortgage’s new outsourcing program.. Repeatedly exceeded in-house monthly performance 10-15%; saving $2.3M in loss savings in the 90+ bucket Ensure OCC / NMS Compliance.Mandated to implement regulatory requirements for processing and modifying loans for potential foreclosures. Created, managed and executed six programs to comply with these initiatives; Mod Decline Reduction, NY letter of default as mandated by the NMS settlement to all 90+ past due accounts, 180+ Bankrupt Mod-Offer loan modification, Blight-program, increased short sale volume, and Deed in Lieu – offer.Reduced initial turn-down of loan modification 18%, increased loan mods in several high delinquent states by 19%, and new process resulted in a 30% conversion rate to offers sent. Additionally, achieved the blight goal conversion by 40% of program assets, increased short sale by 13%, and boosted Deed in Lieu 35% for CitiMortgage Grew revenue with New Loan Modification program.Built a team of qualified staff and executed a created program to execute title curative on FHA / VA loan modifications to create new revenue streams for Citi Mortgage. Hired and trained qualified staff of ten, and created SOPs.reduction of 90+ delinquency in the FHA/VA portfolio.

Director - Loss Mitigation Recruited to expand the component servicing division for the financial industry in the Dallas area. Opened new office, solicited I signed new Real Estate (RE) clients, built recovery division including systems design, process I flow creation. Managed 60 staff I $2M+ budget.• Opened Dallas region.Selected to grow National Creditors Connection Inc.'s (NCCI) Loss Mitigation division and open a loan recovery income stream. Identified prime location, and staffed office with 25 seasoned experts. Solicited and closed four new clients, generating $50K in monthly loan recovery and $3.5M in Loss Mitigation monthly revenue.

Directed operational functions on Loans in imminent default, repurchase, and high risk loan loss control division in Irving, TX. Managed receivables of $23B in assets and 201K accounts. Enhanced loan origination so repurchasing could be minimized. Managed 120 personnel.Mitigated risk of loan repurchase.Challenged to improve operational performance of loans for Fremont Mortgage. Created processes to enhance loan origination, minimizing repurchasing. Reduced risk of First Pay Default (FPD) from 6% to 1.34% in six months, and lowered Early Pay Default (EPD) delinquency from 9.75% to 2.5% in eight months.

After acquiring The Associated Financial Services, managed internal Collections / Recovery operations for sites in Dallas, Phoenix and Owen Mills. Managed 150 staff and $2.5M budget.Earlier: Operations VP Default – Loss Mitigation / Regional VP, The Associates Financial Services. Section Chief, Federal Deposit Insurance Corporation. Operations Manager, Commercial Securities and Blazer Financial Services.