Mortgage supervisor that leads my team to complete comprehensive underwriting/reviewing investor packages on existing customer loans secured by real estate to pro-actively identify opportunities to mitigate the Company's and/or investor's loss exposure, with the primary emphasis on working with the customer to retain homeownership. Knowledgeable of many different investor guidelines including GSE, FHA, VA and Private along with CFPB requirements. Also have a unique background combining the sale of loan and insurance products along with collecting and administrative tasks including cash drawer management. Strong customer service, research, problem solving skills and multi-tasking. Supervisory and Team Leader experience. Certified Lean Six Sigma Green belt.
Experience in LPS/Director/MSP/Black Knight, Image and Workflow systems, iDesk, BITB, Microsoft Word and Excel.
Successfully completed training in Foundations in Leadership, Sales Management Leadership, CFPB Requirements and more.
Strong interpersonal skills
High level of accuracy
Practices due diligence
01/2014 to Current
Loss Mitigation SupervisorPHH Mortgage – Williamsville, NY
Directly supervises the Staging Department, including but not limited to interviewing, selecting, hiring; scheduling and training employees; assigning and directing work; evaluating performance; coaching, counseling, rewarding, motivating and disciplining employees, helping non-performers become performers; and recommending employees for promotion, transfer and termination.
Handling escalations from borrowers and other departments including the Office of the President, the OCC and the CFPB..
Arrange and support cross training between departments.
Meeting Quality and Productivity goals.
Developed, implemented and maintained new process through Lean Six Sigma to reduce unnecessary tasks within Loss Mitigation.Reduced process workload by 17%.
Collaborated with the compliance department to eliminate procedural errors and risk.
Ensuring processes go through change management, legal and compliance.
01/2013 to 01/2014
HAT Staging SpecialistPHH Mortgage – Amherst, NY
Senior Stager leadership role which includes pushing productivity, creating and distributing daily reports for work, escalation emails, coaching, etc.
Complete file setup duties
Update applicable system with borrower information based on package submitted by borrower and review financial package for workout consideration.
Order credit bureau reports, AVM/BPO/Appraisals
Compile and maintain homeowner financial packages
Review, prepare and distribute incoming mail
01/2012 to 01/2013
Mortgage Servicing Operations RepresentativeHSBC – Depew, NY
Track trial payments from loan modification and apply contractual payments as needed for FNMA and FHLMC loans.
Update HSSN and WPII as needed throughout process as trial payments come in and after documents are signed by the borrower to close the case.
Prepare the final terms for loan modification, transmittals and loan amortizations to send to vendor.
Prepare modification documents.
01/2011 to 01/2012
Workout Specialist/ProcessorHSBC – Depew, NY
Analyzed borrower's financial and credit profile to determine ability to repay a modified loan.
Reviewed AVM/BPO's to determine loss/gain.
Determined borrower's hardship to negotiate a mutually beneficial arrangement.
Adhered to delegations of authority and met all guidelines offered by government agencies and investors.
Identified opportunities to mitigate company's loss exposure up to the foreclosure sale.
Expedited modification processes for upcoming mediations and foreclosure sales.
Summarize findings and make recommendations from analyses and underwriting to company/investor.
01/2003 to 01/2008
Senior Account ExecutiveCitifinancial – West Seneca, NY
Cultivated new and repeat loan business using internal/external sources and initiated the sale of personal loans, home equity loans and refinanced existing mortgages.
Collections; controlled delinquency and found a permanent solution at times by way of refinancing or a repayment plan.
Processed mortgage releases and processed insurance claims.
Regents High School Diploma: West Seneca East Senior High -
Student: Erie Community College - Visual Communication Technology
Lean Six Sigma Yellow Belt
Lean Six Sigma Green Belt
PHH Employee Engagement Committee member for 2 years.