Robin Kramer Email & Phone Number

Washington, Mo

O'Fallon, Mo

- Responsible for all aspects of default servicing from delinquency at 30 DPD - Foreclosure. Manage staff of 300 to 1,500 during my tenure.- Inclusive of foreclosure, bankruptcy, loss mitigation, vendor management and remittance, property preservation, document execution, claims and loss analysis.- Consistently deliver expected results, achieve goals and perform at or above highly effective rating.- Engaged in the development of requirements resulting in OCC consent orders, NMS… Show more - Responsible for all aspects of default servicing from delinquency at 30 DPD - Foreclosure. Manage staff of 300 to 1,500 during my tenure.- Inclusive of foreclosure, bankruptcy, loss mitigation, vendor management and remittance, property preservation, document execution, claims and loss analysis.- Consistently deliver expected results, achieve goals and perform at or above highly effective rating.- Engaged in the development of requirements resulting in OCC consent orders, NMS regulations and CFPB requirements. Maintain requirements placed on servicing/default from state and local jurisdictions.- Partnered with municipalities to improve relationship and homeowner outcome.- Maintain relationships with HUD and GSE principles, engaging to achieve optimal outcome basedon expectations. Participate in panel discussions with servicers and investors to remediate issues and resolve obstacles preventing timely movement of actions.- Considered subject matter expert by various levels of the organization on multiple aspects of default and some servicing functions.- Built outsourcing strategy to enable better inventory management and load balancing.- Lead initiative to develop Key Performance Indicators and Key Risk Indicators for operational functions including controls and quality testing. Show less

Riverside, Ca

- Managed in-house foreclosure trustee operation handling foreclosure actions in five states formortgage company. Inclusive of loss mitigation outreach and repay plan approvals, customer interaction, claims and conveyance work.- Exceeded objectives to move actions thru foreclosure pipeline timely with efficiencies implemented after process flow analysis and revamp of stale processes.- Handled multi-million dollar commercial and agricultural default loans.- Worked directly with… Show more - Managed in-house foreclosure trustee operation handling foreclosure actions in five states formortgage company. Inclusive of loss mitigation outreach and repay plan approvals, customer interaction, claims and conveyance work.- Exceeded objectives to move actions thru foreclosure pipeline timely with efficiencies implemented after process flow analysis and revamp of stale processes.- Handled multi-million dollar commercial and agricultural default loans.- Worked directly with HUD contacts to assist in moving conveyances timelines when working with HUD contractors. Raised issues created by contractors to resolve and hold servicers not responsible. HUD instituted changes as a result of raising the awareness with details and consistent communication.- Supported to loan servicing ops processing payoff checks, loss mitigation solicitation and plan development.- Presented to GSE's and HUD monthly performance KPI's with commentary on trends, projections and obstacles to overcome. Show less

Casper, Wyoming

- Responsible for developing software help scripts and training of mortgage industry representatives.- Retained as consultant by software development company supporting the mortgage default industry to provide guidance for communication application Lenstar. Provided systemic communication between servicers and law firms for default processes to write all help scripts and train representatives on the use of the communication system.- Accomplished highly effective results for end user… Show more - Responsible for developing software help scripts and training of mortgage industry representatives.- Retained as consultant by software development company supporting the mortgage default industry to provide guidance for communication application Lenstar. Provided systemic communication between servicers and law firms for default processes to write all help scripts and train representatives on the use of the communication system.- Accomplished highly effective results for end user support increasing clients usage by 65% after help screen and programs were implemented. Show less

Los Angeles, Ca

- Responsible for the redesign of the existing in-house trustee foreclosure operation.- Improved performance turn time, implemented technology to perform high volume repetitive functions, trained staff and redesigned process flows.- Partnered with loan servicing leadership to improve hand offs and reduced delays by 80%.- Leveraged outside resources to provide services supporting the operation, companies providing title, auctions, posting and publishing and property… Show more - Responsible for the redesign of the existing in-house trustee foreclosure operation.- Improved performance turn time, implemented technology to perform high volume repetitive functions, trained staff and redesigned process flows.- Partnered with loan servicing leadership to improve hand offs and reduced delays by 80%.- Leveraged outside resources to provide services supporting the operation, companies providing title, auctions, posting and publishing and property preservation.- Managed lien release operation to revamp the process of this highly time sensitive, volume operation. Production of lien releases for paid in full mortgages was manual process with highly critical data inputs necessary to effectively release satisfied liens from real estate properties. Streamline operations, completed time studies to determine appropriate staffing, turned the operation into a $1,000,000 a month net income generating profitcenter.Moved into managing personal trust loan servicing operation. Included all aspects of loan servicing, secured byreal estate and unsecured. Managed team of 45 FTE including IT support, operations support, HR and legal.Presented monthly results to all trust managers operations performance, loan level overviewsand recommendations for clients to consider.Developed client view for portfolio performance including trust loan impacts to the growth of their accounts.Received Presidential Annual Award 6 of the years employed at the bank. Show less