A seasoned professional with practical experience and
solid understanding of a diverse range of mortgage lending management
applications, including underwriting, sales and marketing, quality assurance,
due diligence, distress assets, and compliance guidelines. High-caliber
presentation, negotiation and, closing skills. Highly motivated and results-oriented expert in the mortgage and
distress asset industry, seeking a position in a stable lending / servicing
institution that offers the security needed in a job position to perform a
range of responsibilities.
Proficient with Windows 7/XP, Microsoft
Suite, MSP / Black Knight, RESNET, RMSS, Fortis, Hermit
Company NameCity, StateVirtual Asset Manager - Puerto Rico12/2015 to 05/2017
Developed & managed the Puerto Rico portfolio of reverse mortgages (HECM) and REO's (Nationwide & Puerto Rico) while maximizing company profitability.
Responsible for all matters associated with CRIM (including but not limited to mortgage recordings, RE taxes and Deeds).
Communicated with borrowers when purchased assets were missing required documents governed by HUD.
Reviewed purchased assets when onboarding to flag missing documents, signatures, or anything that is required by HUD for insuring of loans.
Assisted post-closing by gathering outstanding items required for insuring loans with HUD (forward & reverse mortgages nationwide & Puerto Rico).
Maintained constant communication and oversight with CeLink & Single Source in order to liquidate assets within the ABC or SBC time frames governed by HUD guidelines.
Approved, denied and/or countered all bids for trash outs, sales clean, appraisals, and listings.
Company NameCity, StateAsset Manager11/2013 to 10/2014
Exceeded collections revenue goals by 25% month after month and exceeded referrals for loan modifications by 20%.
Traveled to Puerto Rico weekly, with occasional stays of up to 3 weeks.
Responsible for the end to end management of a multi-million-dollar portfolio of non-performing, sub-performing, and re-performing of residential loans.
Coached senior collectors & collectors on how to handle borrowers who were in bankruptcy or foreclosure to agree on payment plans, loan modification, deed and lieu, and/or short sales.
Coached external collectors on how to gain rapport with borrowers to submit applications for loan modification, payment plan, deed in lieu, and/or short sales.
Provided monthly quota for staff, responsible for doing special calling campaigns, Determine vacancy status, property conditions, skip tracing, and monthly reports from Aspect dialer and MSP / Black Night.
Managed staff consisting of a manager, 3 supervisors, including 25 internal collectors and 9 external collectors.
Company NameCity, StateRE Salesperson07/2012 to 09/2014
Self-motivated agent with proven ability to develop, manage and consistently achieve positive results, that helps ensure a more efficient and cost effective exit strategy providing a mutual outcome for all parties involved (including tenants).
Provide BPO's (Broker Price Opinion) to servicers/banks.
Understanding the Real Estate market trend to effectively price true value.
Skilled in all stages of Foreclosure
Expert in reviewing titles, liens, judgments in order to have no cloud on title.
Established and maintained communication with the homeowners, tenants, and servicer/bank.
Assisted homeowner in submitting required documents for potential loan modification, short sale and/or deed in Lieu of foreclosure.
Determined vacancy status, property conditions, value and overall market trends.
Presented "Cash for Keys" to tenants in order to vacate premises.
Assisted servicer with occupancy checks, winterizing property, re-keying and securing vacant property, taking Interior and Exterior photos, evaluating real estate market trends in the neighborhood, & provided rehab estimates/bids.
Company NameCity, StateAsset Manager10/2010 to 01/2012
Responsible for the end to end management of a multi-million-dollar portfolio of non-performing assets, from the due diligence stage of residential real property, to the acquisition and liquidation of individual asset.
Provided financial analysis reports of residential real estate assets and market research in order to maximized bottom line profits.
The position of an asset manager requires the ability to multi-task.
I possess much strength in doing so, and make it my goal each day to continue thriving in overcoming any obstacles that may arise during the many phases involved with liquidating my pipeline.
Manage a pipeline of non-performing residential assets.
Maximize total return for each assigned asset while maintaining borrowers' best interest in mind.
Identified opportunities for improved performance on distressed assets.
Negotiated sales contracts with prospective buyers and conclude sales transaction with limited oversight.
Build rapport with internal departments and externally with customers and service providers.
Determine vacancy status, property condition, value and overall market trends by physically inspecting the property and/or obtaining the data from appraisals, real estate agents, and contractors.
Prepared property for marketing, selected and managed the real estate agents for the marketing and disposition of assets, screened contractors and gather bids for needed rehab work.
Managed 'Cash for Keys' and evictions.
Coordinate insurance claims when needed.
Review offers and countered offers, recommended approval/acceptance of offers, processed and monitored all contracts and sales.
Attended foreclosure mediations.
Analyed credit and property during the due diligence process.
Established and maintained communication with the borrowers associated with assigned pipeline (Either telephonically or in person, or on in field work).
Perform due diligence of real property collateral and established asset value.
Company NameCity, StateTreasurer01/2010 to 09/2010
Managed all aspects of the political campaign of Nelson Denis; candidate for the New York State Assembly from the 72nd Assembly District.
Fundraising and financial compliance with the NYS Board of Elections.
Coordination of candidate's nominating petitions.
Development and execution of direct mail strategy.
Selection of all vendors, printers, and campaign staff.
Managed entire campaign budget and all field operations.
Scheduled press conferences, managed all paid and earned media.
Recruited and managed campaign volunteers.
Analyzed district/precinct level voting histories and developed voter contact strategy.
Developed "Get out the vote" (GOTV) Election Day plan.
Managed Election Day operation of 150 workers and 80 volunteers.
Company NameCity, StateBranch Manager Independently Owned Mortgage Banker09/2005 to 03/2008
Net Branch Managed a Sales Team- Motivating, Assisting with Sales, Coaching and Developing, and helping the team find new tactics to recruit business.
In charge of monthly Profit and Loss for the branch.
Creating advertising campaigns to increase monthly revenue.
Successful in communicating with peers, Networking, Building strong referral contacts from various organizations.
Responsible for generating business for personal gross income.
Company NameCity, StateBranch Manager09/2004 to 09/2005
Managed a Sales Team- Motivating, Assisting with Sales, Coaching and Developing, and helping the team find new tactics to recruit business.
Create an advertising campaign promoting alternative markets.
In charge of monthly Profit and Loss for the branch.
Hiring experienced Loan Officers.
Responsible to communicate with underwriters to review outstanding conditions and assisted in clearing them.
Responsible for generating business for personal monthly quota.
Company NameCity, StateBranch Manager02/2001 to 09/2004
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