Stephen Thomas Email & Phone Number

Lake Worth, Fl, Us

Florida, United States

West Palm Beach, Florida, United States

• Strategize and help manage tax lien portfolio(s) through analysis and actuation of asset disposition to protect and maximize client investment.• Coordinate with other staff to ensure that established standards of quality and quantity of work are performed.• Evaluate real estate tax liens assets through analysis and estimation of present and future values to determine action priority.• Respond to queries regarding tax lien issues by clients, taxpayers, and./or attorneys by effectively communicating necessary information for effective disposition.• Identify, research, and resolve portfolio discrepancies to produce model portfolio management.• Competently interact with lawyers, real estate brokers, appraisers, etc. to consistently communicate corporate ideals to yield effective investment options.• Protect client interest by proactively seeking and/or applying resolution to issues as they arise.

Florida, United States

• Manual Frontline Underwriting Conventional/Conforming loan products • Reviewing loan files for completeness and accuracy • Analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance documents. • Determining and documenting loan conditions and communicating requirements and/or decisions • Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs.

Hollywood, Florida, United States

• Manage delinquent loans by focusing on problem solving, establishing communication with clients/borrowers, and making decisions that meet company, customers and investor goals. • Assist homeowner with the preparation of the required documentation for a coordinated sale/ short sale, loan modification or deed-in-lieu of foreclosure. • Communicate with realtors and title company to facilitate with closings. • Coordinate the REO transactions by offering Cash-4-keys to occupant’s aid in the eviction process while working with realtors and contractors to prepare the property for marketing.

Deerfield Beach, Florida, United States

• Monitored and coordinated with Asset Specialist on property vacancies and pre-marketing. • Worked with Property Preservation team on trash out’s, house cleaner service and repair estimates. • Reconciled Broker Price Opinions and Appraisals relative to recommended marketing plans. • Submitted reconciled values to investor for review and decision. • Reviewed authorized list price and expenses for possible repairs. • Negotiated sales price and contract terms with realtors on submitted offers to mitigate losses • Reviewed and approved discretionary expenditures-based strategies to ensure compliance with corporate expense guidelines and delegated authority.

Pompano Beach, Florida, United States

• Managed M&T Bank’s non-performing portfolios via the short sale or Deed in Lieu method • Assigned to rewrite and train team members on the Deed in Lieu process.• Communicated with borrowers to determine hardships, resources and intentions for properties • Identified solutions to mitigate losses based on borrow eligibility and investor guidelines. • Analyzed financial documents and contracts in accordance with the short sale process. • Submitted complete short sale packages to Freddie Mac for approval. • Special projects assigned by management.

Certificate, Real Estate

Certification, Real Estate Agency