Stacy Shelton Email & Phone Number

Jacksonville, Florida, United States

• Review response packages (BRP) for all loan types (FNMA, FHLMC, FHA, VA, PRIVATE, HELOC, etc.). Review Income and Expense documents, Credit reports, bank statements, profit/loss statements, tax returns, Title Work, and Appraisals for liquidation of a loan via Short Sale or Deed in Lieu process. • Negotiate various home liquidation options; Short Sale or Deed in Lieu. • Work closely with realtors, investors, borrower’s to ensure best outcome. • Ability to make analytical assessments; work independently with minimal supervision, making sound decisions on behalf of our clients, the investor and the borrower. • Prepare necessary offers for borrowers in timely follow-up and meeting service level agreements (SLA). • Assist the team with training as needed.• Handle escalated cases.• Top team performer

Jacksonville, Florida, United States

• Reviewed borrower response packages (BRP) for FNMA and FHLMC loans. Review Income and Expense documents, Credit reports, bank statements, profit and loss statements, and tax returns to determine the best course of action. • Negotiate various home retention options in attempts to avoid foreclosure while decreasing losses. • Ability to make analytical assessments; work independently with minimal supervision, making sound decisions on behalf of our clients, the investor and the borrower. • Prepare necessary offers for borrowers in timely follow-up and meeting service level agreements (SLA). • Assist the team with training as needed.• Handle escalated cases in litigation and work with partners to ensure best outcome.

Jacksonville, Florida, United States

Loss Mitigation Relationship Manager serves as our Single Point of Contact (SPOC) providing exceptional service to borrowers in the process of foreclosure, loan modification, or loss mitigation. Prepare risk assessment package and present recommended plan to investor and/or Asset Review Council as required. Work directly with the customer as their relationship manager and handle the loss mitigation and/or liquidation on the portfolio as warranted. Provide the maximum level of customer service to borrowers during the foreclosure, loan modification, and loss mitigation process. Negotiate various home retention and liquidation options with the mortgagor, investor, insurer, client, attorney and agent in attempts to avoid foreclosure while decreasing losses. Duties and responsibilities of this position include but are not limited to the following: ability to make analytical assessments; intelligently discuss various workout options; making proposals to the necessary parties; preparation of the necessary documents for execution; timely follow-up and monitoring of various plans. Assist the team with sundry duties as needed.

Jacksonville, Florida Area

• Reviewed consumer accounts (personal checking/savings and business banking accounts) for suspected fraudulent activity including identity theft, Anti-Money Laundering (AML), check fraud, various electronic fraud (wire fraud, automated clearing house (ACH)), credit card fraud, counterfeit checks, forgery, debit card fraud and false claims.• Prepared internal and external reports, including Suspicious Activity Reports (SARs) for internal departments, local and federal authorities.• Provided expertise on critical regulatory concepts, including Bank Secrecy Act, US Patriot Act, and Anti-Money Laundering.

Jacksonville, Florida Area

• Reviewed consumer automobile loan applications. • Validated information via LexisNexis, phone contact and various other online tools. • Prepared internal and external reports including Suspicious Activity Reports (SARs) for internal departments, local and federal authorities.

Jacksonville, Florida Area

• Reviewed funded mortgage loans applications for suspected fraudulent activity including but not limited to the loan application, HUD-1, title(s), appraisal and any participants involved with the mortgage process (broker, seller, real estate agent, appraiser, builder, etc.)• Validated information via LexisNexis, phone contact, and various other online tools.• Completed audits of underwriting pipelines for inconsistencies and/or trends involving all individuals associated with the loan process from start to finish. • Prepared internal and external reports, including Suspicious Activity Reports (SARs) for internal departments, local and federal authorities.

• Reviewed underwriting processes of pre-funded mortgage loans applications for suspected fraudulent activity including but not limited to the loan application, HUD-1, title(s), appraisal and any participants involved with the mortgage process (broker, seller, real estate agent, appraiser, builder, etc.)• Re-Validated information via various sources including credit bureaus, phone contact and other online tools.• Made funding decisions as to borrower’s credit worthiness and risk to bank.• Prepared internal and external reports, including Suspicious Activity Reports (SARs)

Jacksonville, Florida Area

• Reviewed and analyzed borrowers’ financial documents, i.e. financial statements, hardship letter, tax returns, bank statements, pay stubs, profit and loss statement and credit bureau reports • Order credit reports, title reports, NPV, broker price opinions or appraisals • Determine best possible loan workout solution; make a recommendation in conjunction with investor, insurer guidelines • Review pipeline and exception reports daily • Fully underwrite and have decision made within 30 days of receipt of a loss mitigation package • Calculate modification principal balance capitalization for approved retention options, taking into account past due interest, escrow, and 3rd party advances • Responsible for documenting the servicing system, generate appropriate letters and/or tasks, as well as filing supporting documentation to substantiate the loss mitigation decision made for each account • Maintain extensive knowledge of investor, insurer and client guidelines and timeframes required for processing a loan workout • Be in compliance of established timelines and quality decisions for each file assigned.

Jacksonville, Florida Area

• Responded to mortgagor’s requests via inbound call center and via written correspondence related to Escrow, MIP, PMI, account histories, loan documentation, etc. inquiries. • Handled escalated issues and trained new representatives.