Spearheaded the complete day-to-day operation and maintenance of a midsize Buy Here Pay Here car dealership. Ensuring the facility was operating to optimize sales and client retention measures.• Administered entire Buy Here Pay Here dealership process, Inventory acquisition, Vehicle recondition, SEO advertising, sales, underwriting, ensured delivery of vehicle to customer, and prepared all necessary paperwork closing, vehicle titling, insurance verification, collections, repossessions, credit reporting, accounting, and Human Resources. • Plan, establish, and execute business objectives to meet operational goals, ensuring that customers’ expectations are met.• Monitored all federal, state, and local regulatory licensing requirements and ensured compliance with Office of Consumer Credit Commissioner, Texas Department of Transportation, Payment Card Industry and City of Garland. • Handled all vendors, A/R, A/P, daily collections and deposits, supply orders, preparation of all bank draw requests against bank line of credit and customer service.

Loan Servicing Inc was an outsource company for Freddie Mac's Helping Hand program. My tenure with Loan Servicing Inc started 7/97 and ended when the outsource contract was not renewed in 2004. • Managed a staff of up to 50 employees, overseeing the day-to-day operations as it relates to the loss mitigation pipeline. • Measured performance goals, and daily operations over multiple departments within the company while ensuring policies and procedures were met at the company, Servicers, PMI and Freddie Mac levels. • Prior to Management, experience in every level of the loss mitigation process• Solicited delinquent borrowers for financial packages for loss mitigation program consideration. • Analyzed borrowers’ financial status, credit and property evaluations to determine eligibility, while providing excellent customer service.• Obtained Loss Mitigation approvals from PMI companies such as MGIC, PMI Group, RMIC and Radian for approval• Used Freddie Mac web-based application Workout Prospector for approval of negotiated workout program such as Modifications, Short Sales, Long Term repay plans, forbearance plans and Deeds in Lieu.• Direct interface and relationships with senior mortgage personnel within various mortgage companies, PMI Companies and Freddie Mac. • Interacted with Foreclosure attorney’s office to monitor Foreclosure process while Workout approval/closing was being facilitated. • Coordinated with Servicers to obtain reinstatement and payoffs and order BPOs. • Developed relationships with real estate professionals and other business referral sources