Assess closed residential non-QM mortgage loans being offered for sale on the secondary market. Examine credit and collateral.

• Transitioned mixed portfolio (mortgage, lease to own, commercial lease, about 100 accounts) from in-house servicing to third party servicing:• Establishing cash flow audit trail (from receipt of check to account credit to bank deposit) moving bookkeeping from paper to accounting software, enabling reconciliation of accounts• Created Excel database of all pertinent loan data: Starting dates, balances, customer contact, tax/insurance data, collections• Created payment summaries that migrated accounting and reconciliation from marks on a legal pad to dynamic Excel-based statements that reconciled outstanding balances• Prepared individual Allonges for 41 mortgage accounts as preparation to transfer servicing to Evergreen Note Servicing, prepared Servicing Agreements, coordinated Borrower appointments to sign• Migrated residential Lease to Own and commercial lease accounts from in-house servicing and collections to third-party Property Management Company• Negotiated reimbursement of approx. $900 in charges from local utility company• Liaised with outside counsel to complete mortgage payoffs, evictions, Deed in Lieu, mortgage closings

• Trained 5 new Pre-Close auditors on company’s procedures and processes, acted as on-site resource for them• Assisted incoming management by maintaining reporting and crush notifications (notice of loan deliveries by clients)• PreClose: Evaluated residential mortgage loans prior to close for creditworthiness, soundness of collateral, compliance with state and Federal regulations• Adherence with AML and KYC guidelines• Evaluated FNMA, FHLMC, FHA, VA, and USDA loans, both PreClose and PostClose• PostClose: Evaluated closed residential mortgage loans being offered for sale on the secondary marketCreditworthinessCollateral SoundnessCompliance

• Conducted forensic review of closed, seasoned loans for fraud/misrepresentation/negligence by originator

• Resolution Analyst: Reviewed Wells Fargo determination of compensation owed to Borrower • Resolution Analyst: Analyzed income, liabilities potential compensation• Complaint Review: Reviewed Borrower Complaint Form and identified issues affecting Borrower• Complaint Review: Identified and input to FRS (Allonhill proprietary software): Timeframe of review Resolution of foreclosure actionLoss mitigation or bankruptcy actions, when applicable Fees assessed by Servicer

• Evaluated closed residential mortgages for compliance with guidelines, default risk and fraud• Experienced with A-paper – full loan analysis to appropriate guidelines including debt ratio and LTV calculations; analysis of appraisals for documents, title documents, credit reports, employment, asset, income and liability analysis• Evaluation of Conventional, FHA, VA and USDA loans

• Review/approve/decline mortgage refinance transactions submitted under HARP• Assess file for credit, compliance and collateral qualifications and issues• Analyze borrower risk for default using debt ratios, income analysis, liability evaluation – credit reports, title reports, bankruptcies, Lexis Nexis.

• Served as loss mitigation escalation point for Servicing Support Center.• Responsible for review/approval of loans for the HAMP program – loss mitigation efforts including forbearance, repayments, modification, short sales and deed in lieu for liquidation.