Steadfast Branch Manager / VP Loss Mitigation with Twenty Four years managing multimillion-dollar business operation. Successfully optimizes frameworks and cultivates cohesive teams to meet and exceed business financial goals while concurrently minimizing company loss through Loss Mitigation Department creation and efforts. Excellent reporting, record keeping and relationship-building abilities with both internal retail platform clients as well as external Investors and Agencies.
Poised and professional. Results-oriented self motivator with over two decades of experience in sales, branch management and Loss Mitigation. Excellent interpersonal skills.
* Assist employee performance and develop improvement plans.
* Uncover and resolve strategic and tactical issues impacting sales.
* Originate new loans to boost branch performance
* Aid in the resolution of Agency repurchase requests
Evaluated files both pre and post funding that contained defects and/or saleability issues to formulate a resolution which often times involved income recalculation, file restructure, borrower communication, etc.
Worked closely with outside investors for whole loan presentation which included bid tape, market offering and negotiations to ensure highest and best bid.
Examined potential loss stemming from catastrophe, severity or frequency of possible loss within the firm to find ways to minimize and track.
Remained updated with latest information related to mortgage products and services being offered.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Worked closely with aggregators and agencies to rebut defect items, repurchase demands and post funding issues. This was especially important in the overall mitigation of risk for the firm.
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