Ambitious and accomplished mortgage professional with strong numeric aptitude and advanced analytical and problem solving skills. Well versed in the areas of Audit, CFPB, Regulatory Compliance, Oversight, Quality Control, Mortgage Servicing, Default Management, Loss Mitigation, Bankruptcy and Foreclosure. Relentlessly driven with the goal of safeguarding corporate assets and mitigating operations and financial risk.
15 years of experience in Mortgage Servicing Oversight and Default Servicing Operations to include Collections, Foreclosure, Bankruptcy and Loss Mitigation (Loan modifications, Short Sales, Deed-in-lieu, HAMP and Charge offs.)
Strong understanding of CFPB, FDCPA,RESPA,ECOA,TCPA,SCRA and UDAAP.
Experience in researching, interpreting and applying Regulations and Laws to loan data.
Strong numeric aptitude and posses a high level of attention to detail
Strong verbal and written communication skills.
Ability to track multiple tasks, work under pressure and meet deadlines.
Strong negotiation skills and ability to work independently and effectively to resolve problems and conflict.
Single Point of Contact(SPOC) Contact Manager November 2012 to CurrentPhh Mortgage Services － Mount Laurel, NJ
Resolve mortgage loan delinquencies through payment, repayment plans, loss mitigation solicitation and financial interviews
proactively communicate with customers and authorized third parties to ensure understanding of all potential outcomes at each step of the process(e.g. point of entry into loss mitigation, point of denial of loss mitigation, point of workout offer, point of foreclosure sale
Comply with all state and federal laws and collaborate with various support departments within servicing to identify needs, propose innovative solutions and deliver results in a timely manner
Answer inbound calls and make outbound predictive dialer calls( 70% of workload) to homeowners whose mortgage payments are delinquent and counsel them accordingly focusing on bringing their account current
Assisted in loan modification process
Accounting/Collections/sales December 2010 to January 2013Future Fitness Centers － Berlin, NJ
Worked closely in a team environment to maintain and update members files accordingly
Worked with sales to bring in new members by selling and soliciting memberships
Worked on various promotions to bring in new members
Made approximately 200 calls daily to past due members to update billing and bring accounts current
Devised and negotiated payment arrangements as needed
Performed clerical duties as needed
Collected approximately $25000 a month in past due membership dues.
Loan Counselor March 2007 to July 2009Popular Mortgage Servicing Inc － Cherry Hill , NJ
Proactively engage customers with past due mortgages to resolve loan delinquencies through payment, repayment plans and financial interviews
Determined clients financial ability to offer alternate payment programs and methods
Performed skip tracing to locate customers with incorrect contact information
Submit reports to all private investors/insurers on loan status updates
Scheduled property inspections
Sent written communication to customers regarding the status of their account
Collector April 2004 to March 2007Professional Recovery Services － Voorhees, NJ
Made approximately 100 calls daily to debtors to determine reasons for overdue payments and determine appropriate repayment strategies.
Located debtors through skip tracing
Used persuasion and negotiation to obtain payment on past due credit accounts
Recorded information about financial status of clients and performed various administrative functions such as recording address changes and purging the records of deceased debtors
Maintained a monthly quota throughout my employment
Collector August 2003 to April 2004Lyons, Doughty and Veldhuis PC － Mount Laurel, NJ
Specialized in credit card, automobile deficiency and purchased debt
Contacted customers via telephone to maximize recoveries while minimizing the time and cost needed to attain those recoveries
Initiated problem solving and negotiation skills to resolve past due balances prior to judgment being obtained.
Skip traced to find current address, telephone asset and employment information utilizing multiple credit bureaus, online search engines, public record databases and paid information sources including Lexis Public records service, Accurint, The Work Number, TSYS IDInfo service
Participated in special projects as needed
Bachelor of Science : 2006Gloucester County College － Sewell, NJ, USA