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Account Management Resume Example

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ACCOUNT MANAGEMENT
Summary
A mortgage real estate professional with over 15 years of increasing responsibilities within the financial sector, specializing in mortgage compliance, default servicing, audit and risk management programs sustainable to mitigate operational and regulatory risk. Strong ability to analyze regulatory requirements evaluates against business policies and identifies critical gaps. Loss Mitigation, Loan Processing, Loan Boarding, Audit Control and Review.
Loan Set Up, Customer Service help desk, Research and Review. Lending & Underwriting Guidelines | Credit & Income Analysis | Cash-Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios | Conventional & Government Mortgages | Conforming & Nonconforming Loans | ARMs | Loan Closing, Funding & Documentation | Account Service Excellence * Facilitated closing and disbursement for conventional, FHA and VA mortgage loans. 
Highlights
  • Process Improvement,
  • Workforce Management (Aspect), Citrix, Cognos 10, FileNet, SharePoint, AS400, SAP, LPS, Vendorscape, DRI,RESPA, FDCPA,CFPB
  • Account analysis expertise
  • Excels in team leadership
  • Basic mathematical aptitude
  • Account analysis expertise
  • Proficient in various servicing applications
  • Experienced Account collector
Accomplishments
  • Received an internal audit score eligible for monthly 10% increase in bonus each month.
  • Maintained <5% monthly="" slips="" for="" positive=""  cash="" flow="" pipeline="">
  •  Raving Fan spotlight during quarterly review.
Experience
Account Management
July 2015 to CurrentFay Servicing － Carrollton, TX
  • Managing pipeline accounts for distress borrowers who require timely non-foreclosure solutions in mortgage default.
  • Work behind the scenes to promote strategic decisions to mitigate company losses.
  • Review, evaluate and validate financial records, perform personal budget analysis to facilitate desired end resolution with borrowers.
  • Perform application reviews to qualify borrowers for investor waterfall to complete final reviews decisions.
Accounting Cash Office Associate
December 2014 to July 2015WALMART MARKET PLACE － Desoto, TX
  • Coordinated, completed and oversee job related activities for Bank Reconciliation.
  • Ensured the protection of Wal-Mart assets by screening accounts for potentional fraud, forgery and counterfeit activity; working closely with Market Asset Protection managers for questionable entry items requiring further review.
  • Provide supervision and development opportunities for associates and support company mission, values and standards of ethics.
  • Ensured compliance and controls of banking reconciliations by verifying integrity at cash office level.
  • Handle data entry and general ledger work as well as bookkeeping and general cleric tasks, processing, distribution, accuracy verification and maintenance of invoices, interfacing extensively with a nationwide network of vendors and suppliers, bank deposits, register audits, change orders, gift cards and checks.
  • Assumed expanded responsibilities (concurrent with A/P duties) as CSM (Customer Service Manager) administrator filling in during vacations and scheduling demands.
  • Maintain appropriate control processes for refund review.
  • Maintain adherence to corporate, accounting standards with SMART/SAP programs.
Unit Manager/AVP
August 2012 to April 2014CitiMortgage Inc － Irving, TX
  • Responsible for monitoring and tracking foreclosure processes in default servicing.
  • Areas of support included: Responsible for DRI bid, Charge Off review and approvals DOA up to 100K for CMI/Network portfolio.
  • Monitored 3rd party sales, database for charge off and surplus losses tracking, DR&L VA Write Downs.
  • Handled system updates to comply with FHA, VA FNMA and FHMLC Serving Requirements.
  • Development and administration of scorecards, RCSA controls to minimize conversion risk.
  • Capacity planning delegate.
  • Hiring and development of staff to support default foreclosure.
  • Troubleshooting and onboarding contact for servicing.
REO Supervisor
November 2011 to August 2012Retreat Capital Mortgage － Irving, TX
  • Developed, implemented and managed compliance quality audits for 3rd Party client in REO.
  • Areas of support: Oversight for QA team of 20 FTE's performing audit validations of REO closing documents while maintaining SOW requirements.
  • Developed, defined and executed clear strategies and obtainable goals for audit, training and retention.
  • Scrutinized loan qualifications post-closing for compliance principles with client lender portfolios assigned.
  • Performed audit evaluations results against loan documents for authentication and risk exposure.
  • Summarized disputed assertions to resolve cited material defects made against record items reviewed.
  • Maintained weekly/monthly quality metrics and performance improvement tracking for clients.
Underwriting Manager
September 2010 to October 2011JP Morgan Chase － Fort Worth, TX
  • Developed, implemented and managed compliance quality audits for 3rd Party client in REO.
  • Areas of support:.
  • Managed loan modification underwriters and processors for the H.A.M.P, Fannie Mae, USDA, FHA, VA SRU, Forbearance and Repayment Plan modifications.
  • Analyzed business practices of all Default Services to establish risk and reduce exposure according to default waterfall.
  • Mentored Staff on appropriate interpretation of Foreclosure and Loss Mitigation Policies.
Operations Support Manager
October 1992 to June 2010CitiMortgage Inc － Irving, TX
  • Responsible for the creation and delivery of cross functional processes supporting 2 Citigroup platforms Areas of support: Merged of 10 operational groups supporting multiple Citigroup lines of business into centralized operations support group.
  • Manage Image intake and Indexing.
  • Developed and managed Regulatory production center supporting multiple business lines.
  • Loan funding and Collateral Control, Pre-Close, Curative and Construction Lending.
  • Quality Control and monitoring.
  • Suspense management.
  • Record Retention Facility.
  • Coordination and management of State Regulators Business Reviews.
Education
Certificate : Word Processing and Office Careers, 1989Allstate Business College － Dallas, TX, USA
Skills
Loan Originations, Mortgage Servicing Default, Accounting, Accounts Payable, Acer, ADP, A/P, AS400, Blackknight/MSP, Doc Velocity, Meridian, Bank Reconciliation, banking, bookkeeping, Capacity planning, Citrix, Closing, Cognos, Compliance Audits, conversion, client, clients, Customer Service, data entry, database, delivery, Disaster Recovery, Staff Development and Training, filling, FileNet, functional, General Ledger, Hiring, Image, Indexing, interpretation, Inventory, Team building, Market, Microsoft Office, office, SharePoint, Network, Payment Processing, Policies, processes, Process Improvement, processors, Project Management, quality, QA, Quality Control, Quest, sales, SAP, scheduling, Strategic Planning, supervision, Troubleshooting
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Resume Overview

Companies Worked For:

  • Fay Servicing
  • WALMART MARKET PLACE
  • CitiMortgage Inc
  • Retreat Capital Mortgage
  • JP Morgan Chase

School Attended

  • Allstate Business College

Job Titles Held:

  • Account Management
  • Accounting Cash Office Associate
  • Unit Manager/AVP
  • REO Supervisor
  • Underwriting Manager
  • Operations Support Manager

Degrees

  • Certificate : Word Processing and Office Careers , 1989

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