Robert Ramirez Email & Phone Number

Brea, California, United States

Orange County, California Area

Foreclosure SpecialistAs a Foreclosure Specialist, I was responsible for managing a portfolio of up to 350 files. My primary function was to consistently communicate with Attorneys/Trustees to guarantee state specific foreclosure timelines are met. In doing so, I was securing appropriate legal documents from title companies, county clerks, etc. in addition to requesting and recording of applicable data including publication charges, posting dates reinstatement requests, etc. I provided applicable documents that are needed to ensure the timeliness and efficiency of the foreclosure. This is a high-volume, customer service, performance driven position.Responsibilities:• Provided status of foreclosure file and/or updates regarding specific timelines that may or may not have changed.• Assisted and follow up with Clients and Attorneys on current and/or outstanding Work-list items in Lenstar.• Requested and provided breakdown of outstanding fees and costs.• Question Attorney actions in regards to specific guidelines, postponement or reschedule, if applicable.• Scrubbed and reviewed data on new loan pools, coordinate with the Trade Transfer Coordinator to ensure appropriate information was received.• Contacted inherited Attorneys on new trades to ensure the correct updates, disposition and decisions are made for each file.• I have the ability to research and obtain needed information nationwide using various resources.• Obtained correct documents timely to prevent delays in the process.• Maintained proficient knowledge of state guidelines and timelines.• Responded to questions from other departments such as Asset Management, Insurance and Tax inquires on a timely basis.• Performed other duties as requested by Supervisor.

Answer incoming calls, return calls to customers, collect borrower financial information, and analyze the best possible option for curing defaults.Work with borrowers to understand the borrower's intent with real estate property to avoid foreclosure. Uses a computerized system for tracking, information gathering, and/or troubleshooting.Provide multiple strategies for fulfilling loan repayments depending on the type of loan debt or delinquencyPropose repayment plans to fit both client and the lender's needs.Develop action plans to meet all goals set by Strategic Business Development DepartmentMeet and assist with staff with implementing initiatives of Strategic Business Development Department.Operate in a goal-oriented environment, achieving individual and team performance targets and core competencies. Responsible for working with borrowers using the waterfall of loss mitigation options to mitigate losses for the company.

Complete cashiering forms to apply payments from suspense and submitting them to the cashiering department Preparing imaging transmittal for all documents to be submitted for imaging Review all incoming mail and either route to correct department or process accordingly Maintain and update Speed Pay Error Log to track speed pay errors for each individual in the department When funds have been misapplied to another account then fill out appropriate form, open a task to Customer Service and deliver the form and research data to the Customer Service Department Prepare reversal forms and submit them to the cashiering department for approval Review requests by collectors to waive the late fees and approve them when necessary. Research problems relating to delinquency such as payment misapplications lost payments, and incorrect late charge assessments Contact customers regarding research issues when necessary When necessary, open tasks to the Compliance department to correct credit bureau reporting Prepare and submit problem loan worksheets when applicable Prepare and submit a monthly gift/incentive report to the compliance department Misc. duties as assigned by supervisor Demonstrate professional behavior and teamwork, is punctual, dependable and adheres to company policies and procedures. Accept other duties as assigned.

Underwrite 5-6 full Package files daily and document thought processReview Appraisal's and evaluate collateralReview Income Documentation, Title policies, Purchase agreements, Applications etc.Maintain company turn timeCommunicate with Brokers and maintain high customer serviceEvaluate borrowers credit and make lending decision based on overall riskDetect red flags and identify possible fraud Review files of newer associates and give daily feedback to improve quality and production.Communicate with Account Executives and negotiate possible solutions

Day-to-day supervision and training of Early Intervention Unit associates.Responsible for implementing and monitoring the daily dialer calling strategy, break, lunch, and overtime schedulesMaintaining sufficient staffing to accommodate the inbound call volume and the daily outbound calling campaign.Coaching and daily feedbacks given to associates to improve work quality and increase efficiency.Responsible for performing daily work quality account reviews and providing recommendations on overall collection effort and workflow.Maintain consistent attendance record to ensure fulfillment of essential functions.Knowledge of bankruptcies, skip-tracing techniques, consumer credit counseling and legal issues.Proficient knowledge of the Fair Debt Collection Practices Act.Keep associates informed of all operational changesInterview potential candidates and provide recommendation to hire.General working knowledge of loan servicing and strong organizational skills.

Research and respond to incoming telephone inquiries regarding due dates, late charges, insurance, etc.Research and investigate borrower loan files as necessary.Contact Junior/Senior lien holders for delinquency status.Provide back-up assistance in Department as needed

Handle phone inquiries from borrower regarding due dates, late charges, forced insurance and other mattersTelephones borrowers whose accounts are delinquent; advises them of their responsibilityResearches misapplication of paymentsAdvises borrower of receipt of NSF checksPrepares routine form letter PRIOR to foreclosurePrepares "Notice of Intent"Assists in training of new employeesMakes recommendations for procedure changes or improvements to management as they pertain to specific unitHandles unusual or more complex inquiries or difficultiesAssists other sections with problems as they may relate to collectionsInitiates forbearance agreements on delinquent loansRecommends waiver of late charge, interest and/or prepayment penalties

Education record

NMLS # 1074181 Licensed in CA, FL GA, IL, MD, OR, TX UT, VA I

Education record