Managing multiple projects involving Lender-Placed Insurance while keeping in compliance with FHFA conservatorship and policy change requirements. Other projects include HAMP, Condo Insurance, Standardized Deductibles changes and more.

Fannie Mae project involving:Marketing Research for Forced Placed InsuranceWorking with FHFA, Fannie Mae and Freddie Mac on servicer compliance issuesWorking with servicers to become compliantResearch of Loss RatioResearching current market rates and cost effectiveness Analysis of possible new rates and effectiveness

• Underwrite files for Short Sales for Servicers and Investors • Monitor and calculate gross figures to obtain Servicers and Investors approval• Import and Export SalesPoint and SalesForce dashboards for Servicer and Investor information• Review documents from buyers and sellers for accuracy• Submit offers to investor that are under 80% Investor Preferred Value• Negotiated and approve files over Investor Preferred Value• Manage file thorough closing within a 120 day timeframe• Reviewed files timely and closed quickly prior to 120 day timeline• 100% Quality Acceptance approval• Import and Export reports to Servicer and Investor timely and accurately, top team closer

• Coordinate with business units to review and analyze critical loan information • Accurate and timely review and research of loan documents in various states of delinquency• Review loss mitigation issues and respond to customers on behalf of CEO and President of servicing companies• Monitor and update data Excel Spreadsheet and import for investor review.• Export information from Excel Spreadsheet from investor for team updates• Underwriting files for loan modification per investor requirements• Respond to escalated borrower complaints by telephone and through written response• Resolve borrower complaints by determining the cause of the issue• Research borrower accounts utilizing various customer systems.• Reviewed files timely and closed quickly• 100% Quality Acceptance approval, top team closing advocate

• Sold properties for highest return and profit for investors. • Reviewed market for values and cost effective repairs• Reviewed files for existing Mortgage Insurance, filed claims, monitored loss and approvals for investors, posted funds received.• Interviewed and monitored vendors for new business and cost effectiveness• Validate vendor invoices and accruals for accuracy and timeliness against statement of work and Master Service Agreement.• Monitored east coast agents for issues and performance, providing correcting and coaching as needed. • Closed properties in a timely manner and monitored incoming funds.• Established vendor expense abuse by requesting agents to submit not only timely invoices but to submit before and after photos with invoice for payment approval.• Researched title delays and learned that company was repairing properties not owned and losing funds through non-expired redemptions. • Stopped repairs on non-profitable properties. • Became regional specialist for east coast to hire and fire agents based on established score cards standards.

• Assisted applicants with filing for benefits for living, food, shelter, and transportation assistance after hurricane Katrina.• Trained 35 associates to handle calls, assist applicants effectively, and remain in control during calls claiming bomb threats, suicide, presidential threats, or family harm. • Handled calls associates escalated due to language, live threats, or other issues as they arose. • Debriefed agents after stressful calls. • Managed payroll, agent reviews, and daily production.Achievements:• Established and maintained effective communication between applicants and associates. • Promoted from associate to supervisor within 1 month of hire.

• Interviewed vendors for new business and monitored for accurate invoicing and timeliness • Monitored, updated, and trained staff on changes to state, regulatory and company guidelines. • Filed Mortgage Insurance claims for loss, monitored loss and payment process and posted funds received. • Reviewed employee performances for payroll increases and promotions.• Sold properties for highest return and profit for Servicers and Investors. • Marketed properties effectively for best buyer and researched market for best values and reported on Excel reports. • Closed properties in a timely manner and monitored incoming funds.• Ensured that foreclosures were processed cost effectively and efficiently, saving time and money. • Moved foreclosed properties to REO in timely fashion to sell for highest return. • Reduced cost in foreclosure department by 18% in 1st year.• Closed listings in a timely fashion by addressing title issues and arranging to lift or reduce IRS liens.

• Trained and directed staff of 30 in all phases of foreclosures.• Monitored, updated, and trained staff on changes to state, regulatory, and company guidelines.• Monitored and addressed all issues in foreclosure process through Excel reports to VP and Investors. • Monitored, reviewed, analyze and evaluate delinquent government portfolios-default through loss analysis.• Prepare loss analysis on completed foreclosures comparing contractual versus non-contractual loss and type• Create reporting strategies to support Default Management; track department activity for government portfolio and provide daily/monthly reporting to management and clients.• Monitored, trained, and dismissed foreclosure attorneys as needed.• Reviewed staff performance for pay increases and promotions.• Ensured that foreclosures were processed cost effectively and efficiently, saving time and money. • Moved foreclosed properties to REO in timely fashion to sell for highest return. • Cleared outstanding title issues timely for quicker closings.

• Provided necessary guidance for staff development. • Maintain Client and program compliance • Interviewed vendors for new business and monitored for accurate invoicing and timeliness • Monitor and update data Excel Spreadsheet and import for investor review.• Export information from Excel Spreadsheet from investor for team updates• Manage and oversee various Business Units within Servicing Operations• Achieve Department Goal monthly and annually

Trained and directed staff of 10 in all phases of loss mitigation and foreclosures.• Monitored, updated, and trained staff on changes to state, regulatory, and company guidelines.• Monitored and addressed all issues in loss mitigation, payment processing and foreclosure process. • Develop and maintain quality procedures and measures for government portfolio to ensure appropriate documentation is in place.• Processed warehousing of docs for sale• Document auditing for shipping of investor portfolios• Reviewed staff performance for pay increases and promotions.• Ensured that foreclosures were processed cost effectively and efficiently, saving time and money. • Cleared outstanding title issues timely for quicker closings.• Cleared warehouse timely for next phase of investor portfolios• Brought in more business for company due to timely and effective sales