Thomas Knapp Email & Phone Number

Mauldin, Sc

  Management of a mortgage portfolio of over $70 million that consisted of first and second mortgages throughout the state of South Carolina. Hired and developed employees to meet and exceed company goals while maintaining a high level of compliance with a zero tolerance policy.  Held monthly, quarterly, semi-annual, and annual one-on-one meetings with employees to review performance, goals, productivity, and expectations. Enrolled employees in numerous career-building exercises to strengthen their knowledge in specialty areas in order to advance their careers with Citi or other companies. Monitored employees’ conversations with customers to enhance customer service and ensure all conversations were compliant with company procedures, state law, and federal law using the NICE software. Effectively projected and forecasted month-end delinquency percentages. Partnered with other Center Managers throughout Citifinancial Servicing to develop best-practices and other procedures to make offices run more efficient and compliantly. Significantly reduced portfolio losses by developing and executing a successful business plan for the office that allowed for responsible liquidation of the mortgage portfolio by educating the customers on lower rates available in the market for refinancing or selling the property. Managed all aspects of the office which included the management and development of up to six other employees.  Effectively obtained significant profitability in the office in a division of Citigroup labeled as a bad asset and not expected to make a profit. Mentored and trained assistant manager to ensure office and employees were performing to or above standard for the company. Issued corrective action when necessary to educate the employee on ways to achieve 100% compliance and exceed individual goals.

Irving, Tx

 Utilized my strong analytical ability that is required to review, recommend and resolve difficult collection accounts to minimize the Center’s losses. Analyzed data to make recommendations regarding net credit losses, yields, expense control and liquidation.  Review, recommend, and approve/decline modification decisions and loss mitigation options such as short-sales, deferments, payment plans. Research and respond to customer inquiries promptly and accurately. Possess the leadership skills to hold 4 to 14 employees accountable for daily and monthly goals that are vertically aligned with the company’s goals. Actively SAFE Licensed in Texas and South Carolina for Loss Mitigation Products such as Short-Sales, Loan Modifications, Balance Write-downs, mortgage loan origination and mortgage closings. Assist in training, developing, and improving the skills of employees. Monitoring and reporting the completion of core modules; assist with workload coordination and scheduling; training employees in all aspects of compliance and the most suitable solutions to resolve accounts. Ensures all documentation is in compliance with company policy and meets all regulatory requirements. Assist in managing, implementing and recommending delinquency strategies for the Center with the Center Manager. Recommended corrective action to Center Manager when employees were not meeting goals or when they were not being compliant.

Lewisville, Tx

 Origination of home equity products in Texas, as well as loan closing specialist. Branch leader in sales of personal loan, home equity, and optional insurance products.  Held many leadership roles in the Branch as well as the district, such as Insurance Captain and Real Estate Captain that enabled me to train and develop other employees in critical areas of production in the branch and throughout our area in the Dallas metroplex. Obtained credit approval authority up to $15,000 for unsecured personal loans and to $125,000 for home equity loans. Prepared and submitted accurate delinquency and growth forecasts to manager.

Clarksburg, Wv

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Bachelor Of Science (Bs), Business Administration

Activities and Societies: Alpha Phi Omega

Bachelor Of Arts (B.A.), College/University Preparatory And Advanced High School/Secondary Diploma Program

Activities and Societies: Key Club

Education record