27 years of banking/mortgage banking experience
*24 years of managerial experience
*implemented process controls
*Database: Blackknight (fka Alltel/CPI/Fidelity), AS400/Jack Henry, Passport, FISERV (fka Data Link), IRES (reverse mortgage servicing system)
*BBA in Accounting; minor in Business Management
*Self-motivated, time management, financial analysis and problem solving
08/2012 to 07/2017
Mortgage Loan Servicing ManagerFIRST UNITED BANK － Plano, TX
Maintain investor portfolio of 30,000 loans for FNMA, FHLMC, and GNMA in good standing.
Reconciled aged custodial accounts from conversion (2011) to current; bringing them into investor compliance and clearing outages through research rather than expense, saving millions in potential losses.
Established control for claim receivable posting and aging, bringing visibility to need for claim training.
Designed automated cash flow process for New Loan Funding directly to MSP; reducing FTE by 2.5.
Year End processing.
06/2008 to 01/2012
Financial Freedom Loan Servicing Manager
Orchestrated the creation of the reverse mortgage servicing team of 14 FTE from inception: reserves, occupancy, insurance, tax, collections, lien releases, partial releases.
Created collection department, increasing collections from $5,000/month to $1million/month in 6 month period.
Automated repayment letter process enhancing customer communication and ease in payment collection.
Redesigned overseas tax payment process eliminating over $10,000 of late penalty fines per tax season.
05/1998 to 01/2012
INDYMAC BANK/ONEWEST BANK － Kalamazoo, MI
05/1998 to 06/2008
Cash Control Manager
Established and maintain all header and reporting aspects on Fidelity (Alltel/CPI) from inception of servicing company.
Manage growth from zero to 225,000 loan volume of agency, private pool, and portfolio-owned loans, both prime and subprime.
Achieved perfect 100 score on FHLMC Servicer Rating.
Implemented reconciliation between billing and remittance of monthly PMI premiums, reducing monthly mortgage insurance premium exceptions from 35,000 to 3,500 over 6 months.
Automated account reconciliations, reducing FTE by 1.
Innovative in use of Fidelity system tools to designe and implement Prepayment Penalty Header logic to ease in identification of "soft" penalties for customer service agents.
Provided logic to Fidelity for reference in developing client-wide enhancement.
12/1994 to 04/1998
FNMA Government Accounting Supervisor - Loan Administration OfficerBANC ONE MORTGAGE CORPORATION － Indianapolis, IN
Automated Cashbook and Test of Expected Cash Reconciliations creating greater visibility and control of pool status.
Developed and implemented a systematic process for loan transfers, allowing securitization of thousands of loans in one month and improving accuracy.
08/1990 to 12/1994
Investor Accounting SupervisorFIRST OF AMERICA MORTGAGE COMPANY － Kalamazoo, MI
Progression of advancement from clerk to supervisor over 15 direct reports in first two years of employment.
Led reconciliation project on 150+ accounts to clear outstanding items and bring reconciliations current with minimal financial loss.
Trained team to achieve Tier 1 investor standing.
Two-time Employee of the Month.
10/1988 to 08/1990
Customer Service RepresentativeOLD KENT BANK OF KALAMAZOO － Portage, MI
Ability to balance speed of service with accuracy of cash drawer resulting in
best performance record on team.
04/1986 to 08/1988
Teller/BookkeeperINDEPENDENT BANK - SOUTH MICHIGAN － Leslie, MI
Prepared charge card transit balance report.
Balanced daily cash papers for main office and three branches.
Updated paid-off loan files with credit history.
Education and Training
Bachelor of Business Administration: Accounting Business AdministrationWESTERN MICHIGAN UNIVERSITY － Kalamazoo, MIAccounting Business Administration
Associate Degree: BusinessLANSING COMMUNITY COLLEGE － Lansing, MIBusiness Graduated Cum Laude