● ​Processing and reviewing contract based on state REG Z and state guidelines to ensure they are withincompliance.● Collaborated with loan officers, dealership and customers to ensure closing requirements we met anddisbursed funds from transactions.● Continually improved knowledge, skills and performance based on feedback and self- identified professionaldevelopment needs.● Researched customer files and prepared closing documents.

Perform processing of short sale requests based on investor, client and GSE guidelines to ensure compliance. Obtain/receive, review and submit required documentation to/from investor, insurer and/or client for approval of short sale.Work with internal and external third party vendors, agents, title companies and borrower(s) through both written and oral negotiations in an attempt to mitigate foreclosure/REO avoidance/losses.Review and analyze borrower’s financial documents, such as financial statement, hardship letter, tax returns, bank statements, pay stubs, listing contracts, agreement of sales, closing costs, settlement sheets and credit bureau reports. Maintain extensive knowledge of investor, insurer and client guidelines and timeframes related to processing a short sale. Follow-up on closing, final HUD documentations and proceeds; notify investor reporting of funds received.

Conducts and performs audits and servicing reviews to ensure company risks are minimized and ensure policy and procedures are followed for Default Administration departments and vendorsEstablishes and prioritizes audits based on risk factors and established controlActs as the Subject Matter Expert for all internal process including Collection, Default Litigations, Loss Mitigations, Short Sale, and ForeclosureDevelops reports and metrics for management to ensure compliance with best practices for management and maintains appropriate recordsInterfaces with Compliance and Legal to clarify issues that may be a concern and ensure implementation of the appropriate solutionIdentifies departmental trends to identify areas of opportunity and strengthsResponsible for recommending and spear heading process improvement ideasCoordinates with other departments regarding changes in state or federal regulatory requirements

•CONDUCTS AND PERFORMS AUDITS AND SERVICING REVIEWS TO ENSURE COMPANY RISKS ARE MINIMIZED AND ENSURE POLICY AND PROCEDURES ARE FOLLOWED FOR DEFAULT ADMINISTRATION DEPARTMENTS AND VENDORS•ESTABLISHES AND PRIORITIZES AUDITS BASED ON RISK FACTORS AND ESTABLISHED CONTROL•ACTS AS THE SUBJECT MATTER EXPERT FOR ALL INTERNAL PROCESS INCLUDING COLLECTION, DEFAULT LITIGATIONS, LOSS MITIGATIONS, SHORT SALE, AND FORECLOSURE•DEVELOPS REPORTS AND METRICS FOR MANAGEMENT TO ENSURE COMPLIANCE WITH BEST PRACTICES FOR MANAGEMENT AND MAINTAINS APPROPRIATE RECORDS•INTERFACES WITH COMPLIANCE AND LEGAL TO CLARIFY ISSUES THAT MAY BE A CONCERN AND ENSURE IMPLEMENTATION OF THE APPROPRIATE SOLUTION•IDENTIFIES DEPARTMENTAL TRENDS TO IDENTIFY AREAS OF OPPORTUNITY AND STRENGTHS•RESPONSIBLE FOR RECOMMENDING AND SPEAR HEADING PROCESS IMPROVEMENT IDEAS•COORDINATES WITH OTHER DEPARTMENTS REGARDING CHANGES IN STATE OR FEDERAL REGULATORY REQUIREMENTS2008 – 2010 FORECLOSURE SPECIALIST:•RESPONSIBLY INCLUDE FRONT END LOSS MITIGATION TO INCLUDE IDENTIFYING WHAT WORKOUT WOULD BEST SUITE A BORROWER AND COLLECTING ALL NECESSARY DOCUMENTS FOR A WORKOUT. •INBOUND AND OUTBOUND CALL FUNCTIONS WITH CREATIVE LOSS MITIGATION WERE MY PRIMARY FOCUS, WHICH MAY BE UNIQUE BASED ON CLIENT’S NEEDS. •RESPONSIBLE FOR VERIFYING THAT DOCUMENTS ARE RECEIVED AND IN THE FILE OR IDENTIFIED AS INCOMPLETE PER THE DOCUMENTATION CHECKLIST THAT IS PROVIDED BY THE INVESTOR. •PROVIDING ANSWERS FORECLOSURE RELATED INQUIRES AND INITIATING PLANS TO CURE FORECLOSURE DELINQUENCY AS NEEDED (I.E. REPAYMENT, MOD TRIALS) •COLLECTING PAYMENTS AS NEEDED IN REGARDS TO REINSTATEMENT (HANDLING A delinquency of 1,000,000,000.00 in a one month overall).

Responsibly include front end loss mitigation to include identifying what workout would best suite a borrower and collecting all necessary documents for a workout. Inbound and outbound call functions with creative loss mitigation were my primary focus, which may be unique based on client’s needs. Responsible for verifying that documents are received and in the file or identified as incomplete per the documentation checklist that is provided by the investor. Providing answers foreclosure related inquires and initiating plans to cure foreclosure delinquency as needed (i.e. repayment, mod trials) collecting payments as needed in regards to reinstatement (handling a delinquency of 1,000,000,000.00 in a one month overall).

• ACTED AS JR. MANAGEMENT WHILE MAINTAINING A PIPELINE OF 40-60 LOANS• MONITORED EMPLOYEES’ ADHERENCE AND PIPELINE TO ENSURE THAT COMPANY PRODUCTIVITY STANDARDS WERE MET• HANDLED HIGHLY ESCALATED CUSTOMERS SERVICE ISSUES FOR CUSTOMERS THAT WERE IRATE DUE TO PROCESS LONGEVITY OR PERSONNEL COMMUNICATION ISSUES. • PROVIDED COACHING AND CONSTRUCTIVE FEEDBACK TO ASSOCIATES IN REFERENCE TO THEIR PRODUCTIVITY/PERFORMANCE• ADVOCATED COMPANY MORALE WITH AN EMPHASIS ON TEAM WORK, CONTINUITY, AND PRODUCTIVITY.• CONDUCTED WEEKLY HUDDLES TO DELIVER PROCEDURAL AND POLICY UPDATES•PARTICIPATE IN SPECIAL PROJECTS AS NEEDED TO ASSIST IN THE DEVELOPMENT OF THE TESTING PROCESS•RESPONSIBLE FOR CLEARING CONDITIONS AND ISSUING CHANGES TO THE TERMS ON PREVIOUSLY APPROVED LOANS.•RESPONSIBLE FOR BUT NOT LIMITED TO VERIFYING CONDITIONS OF APPROVAL WHICH MAY INCLUDE, CUSTOMER INCOME/ASSETS DOCUMENTATION, RESOLVES ROUTINE TITLE ISSUES.(FHA,VA, CONV AND BOND LOANS)

Acted as Jr. management while maintaining a pipeline of 40-60 loansMonitored employees’ adherence and pipeline to ensure that company productivity standards were metHandled highly escalated customers service issues for customers that were irate due to process longevity or personnel communication issues. Provided coaching and constructive feedback to associates in reference to their productivity/performanceAdvocated company morale with an emphasis on team work, continuity, and productivity.Conducted weekly huddles to deliver procedural and policy updatesParticipate in special projects as needed to assist in the development of the testing processResponsible for clearing conditions and issuing changes to the terms on previously approved loans.Responsible for but not limited to verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issues.(FHA,VA, CONV and Bond Loans)

MANAGED A PORTFOLIO OF LOANS IN DEFAULT, LOAN MODIFICATIONS, DOCUMENT VALIDATION, NPV MODELING, SECOND MORTGAGE MODIFICATIONS, SHORT SALE/DIL, AND ANSWER TECHNICAL FORECLOSURE QUESTIONS. RESPONSIBLE FOR CLEARING AND UPDATING TITLES ON PAID IN FULL ACCOUNT PERFORM EXTENSIVE RESEARCH TO REACH A DECISION ON CERTAIN ACCOUNT ISSUES RESPONSIBLE FOR SCREENING CUSTOMERS FOR LOSS MITIGATIONS PRE-QUALIFICATIONS SUCCESSFULLY PERFORMED DETAILED REVIEW OF CREDIT DOCUMENTS, AND ORIGINATION DOCUMENTS FOR ANY HARD STOPS RESPONSIBLE FOR TAKING FULL ACCOUNT OWNERSHIP OF EACH ACCOUNT IN PORTFOLIO EFFECTIVELY DEFUSED IRATE CUSTOMERS AND ASSISTED THEM HIGHLY ESCALATED ISSUES MANAGED RELATIONSHIPS WITHIN THE INTERNAL DEPARTMENT AND WITH BUSINESS PARTNERS

• MANAGED A PORTFOLIO OF LOANS IN DEFAULT, LOAN MODIFICATIONS, DOCUMENT VALIDATION, NPV MODELING, SECOND MORTGAGE MODIFICATIONS, SHORT SALE/DIL, AND ANSWER TECHNICAL FORECLOSURE QUESTIONS. • RESPONSIBLE FOR CLEARING AND UPDATING TITLES ON PAID IN FULL ACCOUNT • PERFORM EXTENSIVE RESEARCH TO REACH A DECISION ON CERTAIN ACCOUNT ISSUES • RESPONSIBLE FOR SCREENING CUSTOMERS FOR LOSS MITIGATIONS PRE-QUALIFICATIONS • SUCCESSFULLY PERFORMED DETAILED REVIEW OF CREDIT DOCUMENTS, AND ORIGINATION DOCUMENTS FOR ANY HARD STOPS • RESPONSIBLE FOR TAKING FULL ACCOUNT OWNERSHIP OF EACH ACCOUNT IN PORTFOLIO • EFFECTIVELY DEFUSED IRATE CUSTOMERS AND ASSISTED THEM HIGHLY ESCALATED ISSUES • MANAGED RELATIONSHIPS WITHIN THE INTERNAL DEPARTMENT AND WITH BUSINESS PARTNERS