Lisa Sowder Email & Phone Number

• Managed and coached remote REO Asset Managers with market plans, sales negotiations, valuations, and additional portfolio management duties. • Managed/sold residual and low-end (hard-to-sell) assets while sustaining strong relationships with brokers and vendors throughout the United States. • Conducted weekly meetings and training sessions and merged reports on a daily basis. • Created an Asset Manager manual and audited portfolios in order to find techniques to increase production and exceed client expectations. • Managed a portfolio in excess of 250 loans (monthly) prior to being promoted to Team Manager – additional duties include (but not limited to): evictions, vendor management, property management, hazard claims, MI and Investor approvals, and variance reconciliation.

• Primarily responsible for, loss mitigation, monitoring and addressing any issues with production, alleviating escalated situations, and attending to: time off, tardy, payroll, grievances/disciplinary actions. • Monitored the entire REO closing process by reviewing contracts for legal accuracy, preparing deeds, pulling title, reviewing the foreclosure dockets and documents for accuracy, correcting title issues, coordinating cash and lender closings with all parties, updating clients daily, preparing and compiling closing documents as well as disbursement, training and post closing audit. • Created additional venues to minimize turn around time and increase production.

• Reviewed all federal and lender disclosures, ensuring all loan packages/processed files comply with FHA, USDA/GRH, VA, Construction, State Bond and Conventional loan guidelines.• Prepared loan packages and balanced all funding/truth in lending disclosures while maintaining contact with title companies, loan officers and processors until the entire closing process has been completed.• Trained all new employees. • Prepared and organized compliance and procedural manuals as well as spreadsheets that were utilized by staff on a daily basis.

• Reviewed title commitments for outstanding mortgages, tax liens and/or judgments. • Analyzed appraisal reports and assisted in deciding if the property met federal and lender guidelines. • Examined credit bureaus to help maximize loan potential, verified income, employment, mortgages and escrows, ordered insurance declaration pages and flood certifications for the subject property. • Managed a pipeline of more than 30 loans per month, which was double the required minimum.

• Managed and opened estate, commercial, retirement and personal accounts. • Prepared sales, missing collateral and overdraft reports as well as employee schedules. • Conducted daily/monthly meetings and assisted in interviewing prospective employees. • Budgeted general ledger accounts, balanced bank checks, branch vaults and ATM’s and performed teller audits. • Helped detect fraud by monitoring security logs and savings/checking accounts, and placed holds on any deposit which may have been suspected to be fraudulent. • Evaluated and coached tellers/personal bankers and was awarded by senior management for training success.

• Concentrated on customer service and sales. • Calculated daily, monthly and annual sales reports and balanced nightly deposits. • Tracked performances and trained all new associates. • Regulated all inventory and scheduling. • Aided the store manager in increasing sales revenue by implementing associate contests and incentives.