Knowledgeable and dedicated professional with extensive experience. Solid team player with an outgoing, positive demeanor and proven skills in establishing rapport with clients. Motivated to maintain client satisfaction and contribute to company success. Specialize in quality, speed and process optimization. Articulate, energetic, and results-oriented with exemplary passion for developing relationships, cultivating partnerships, and growing businesses.
Investigate and analyze cases to initiate the appropriate actions to establish, maintain, and enforce payments to promote family well being and self-sufficiency.
Obtain, verify, and review information from involved parties, employers, courts, attorneys, elected officials, and others to enforce court orders/health insurance.
Investigate and respond to inquiries in order to resolve problems related to child support cases.
Update, review, and monitor case records and payment activity to determine if enforcement is required.
Initiate/prepare court documents for administrative/court hearings (wage withholding, interstate transmittals, contempt petitions, and court orders).
Communicate with involved parties via telephone or written correspondence.
Processed documents in a timely manner, ensuring proper hazard insurance coverage for homeowners and client goals.
Made timely premium payments from escrow accounts to ensure continuous coverage for hazard, flood, and wind policies.
Communicated and coordinated with insurance agents and/or insurance carriers to verify policy information and update status.
Made appropriate updates to client database (LPS) in order to meet regulatory obligations.
Root caused, researched, and resolved complex loan level inquires and exception items through inbound calls, fax, emails, tasks, correspondence, reports, and/or special projects.
Researched and responded to escalated issues and prepared responses to customers and clients.
Handled inbound/outbound calls from customers in hazard insurance, mortgage banking, and property loss.
Assisted with training of new hires and associate cross training initiatives.
Researched accounts using LPS (Lender Processing Services) and MSP (Mortgage Servicing Platform) systems to verify the validity of the foreclosure process while providing financial assistance to borrowers in default.
Managed foreclosure proceedings on assigned cases by interacting with attorneys, investors, realtors, appraisers, and any other parties involved with the foreclosure.
Requested and reviewed all updated documentation from investors, insurers, and agencies to ensure compliance.
Conducted thorough reviews of foreclosure files to ensureall default timeframes were met.
Monitored attorneys' process by reviewing all proceedings, records, and timeframes and worked all systems/databases throughout the foreclosure process.
Tracked status of pending litigation to completion.
Diligently checked status on all outstanding requests and telephone inquiries from internal and external customers.
Performed required research on any loans with questionable items including application of payments, proper foreclosure notification, who to foreclose in the name of and any other issues questioned.
Actively reviewed and pursued all Loss Mitigation alternatives in all appropriate customer circumstances and forwarded all potential customers to the Loss Mitigation department for consideration.
Escalated all complex litigation, class action suits and risks to management and/or Legal department.
Assisted with special projects.
Primary contact for customers and approved third parties, such as investors, attorneys, trustees, court representatives while providing exceptional customer experiences.
Obtain necessary documents required for loss mitigation review.
Communicate options and final decisions to borrowers.
Communicate modification decisions and if declined, discuss other options with borrowers.
Negotiate terms for short sales.
Understand and communicate with borrowers on specific financial information, including discussing debt to income, tax information, and personal financial statements.
Hold other departments accountable for completing tasks, while understanding that area's functions and impact on the borrowers.
Communicate and present options with other departments while meeting specific deadlines imposed by regulatory requirements.
Remain current on all default processes and regulatory changes and their impacts on the borrowers.
Research all customer issues and bring all of them to a final resolution.
Responsible for and follows up with customers and approved third parties to insure that all closing documentation paperwork is received and final documents are signed, and funds are posted.
Knowledge of MSP, ALS, and FileNet.
Calculated, reviewed, and corrected errors on interest, principal, payment, and closing costs, using computers or calculators.
Reviewed customer accounts in order to determine whether payments were made on time and that other loan terms were followed.
Established credit limits and granted extensions of credit on overdue accounts.
Analyzed consumer financial statements, credit reports, calculate cash flow and balance sheet ratios, and recommend credit decision, while identifying potential risks and mitigating factors that could impact the customer.
Audited loan applications for completeness and accuracy, reviewing all documentation to verify loan transaction meets all FHA, VA, Conventional, and USDA guidelines.
Order and review credit reports, required verifications, flood certificates, appraisals, titles, and payoff statements.
Submitted complete loan files to Underwriting for loan approvals, while clearing conditions and submitting to the Closing department for efficient closings.
Monitor accounts from pre-approvals to closing.
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School Attended
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