Mike Grajeda Email & Phone Number

Orange County, California Area

Loss Mitigation Department (Foreclosure , Bankruptcy, Imminent Default) Responsible to manage the upfront process of home loan applications for preliminary modification consideration.Clearly communicate loan status and decisions to borrowers.Coordinate loan file from approval to closing; independently and with minimal supervision.Review loan documents for accuracy and determine if borrower, property, and loan conditions meet internal, investor, and government guidelines.Analyze and verify borrower's income documents and credit report.Effectively organize workload to meet daily department expectations.Successfully prioritized daily workload.Manage and performed multiple tasks accurately in a fast-paced environment.Maintained above 95% call monitor scores every month.Selected by management to train, coach, and develop peers to improve performance.Communicated available options and alternate workout solutions to resolve loan delinquency.Reach out to borrowers to provide ongoing file status.Responsible to provide borrowers with detailed explanation of terms and conditions on approved home loans for acceptance.Convey reason for loan denial to borrowers; while remaining empathetic towards their hardship.Successfully managed a paperless queue pipeline, LOS.Interact with borrowers and authorized third parties in a high volume inbound/outbound call center.Provide workout or exit strategy such as: Reinstatement, MHA, HARP, Short Sale, or Foreclosure.Successfully combine collection, negotiation, and customer service skills to propose a solution that will prevent foreclosure while mitigating company loss.Analyze borrower's debt-to-income ratio to determine repayment capacity.Continually met department goals and maintained Quality Assurance score above 90% and demonstrated a consistent ability to exceed quarterly job performance evaluations.Achieved monthly monetary bonus for effective loss mitigation workouts to cure delinquency

Orange, California

Brea, California