**** ******** ** *** **** Phone 205-***-****

Leeds, Alabama 35094 Cell 904-***-****

abh578@r.postjobfree.com

Doreen Ann Masters

Objective Seeking to continue my career within a dynamic financial organization, utilizing my experience

and skills, while providing an opportunity for continued growth.

Functional Proficient in:

Summary Word; Excel; Lotus Suite; Database Applications; Commercial/Consumer Mainframe Systems;

Excellent written and oral communication skills

Education 1982 – 1984 University of Florida – Gainesville, Florida

1980 – 1982 Florida Junior College – Jacksonville, Florida

Various AIB Credits: Principals of Banking; Law in Banking; Advanced Commercial Loan

Documentation; Omega I & II Consumer Lending; Management Directions; Civil Treatment;

Leadership 101 & 102; Diversity Leadership; 2013 – 2014 - Site Champion for Birmingham,

Al within the Diverse Mentoring Program.

Employment October 2014 - Present

Wells Fargo – Birmingham, Alabama – Operational Risk Consultant

This short term assignment includes a remediation audit for loans which may

not have qualified for a modification at the time of funding. Specific data is

extracted from approval documentation and placed in a tool. The tool

processes this data to ensure the loan was accurately underwritten at the time

of funding.

All findings are bundled and sent to Legal to make a determination if there is

any harm to the customer.

2011 – September 15, 2014 - (End date for displacement)

Wells Fargo Home Mortgage – Birmingham Alabama - Loan Administration

Manager - Home Preservation (Loss Mitigation Call Center Environment)

Managed and Developed a team of 10 Home Preservation Specialists and

2 Team Leads who engaged in the submittal of customer requests for a

modification to their delinquent loan.

Productivity and Pipeline Management:

Referrals included: Underwriting; Liquidation (Short Sale and

Deed In Lieu) and Payment Collecting according to the approved

payment hierarchy

Customer Service:

SOAR (Satisfaction, Ownership, Accuracy and Resolution):

customer and business focus call model; Submittal accuracy

(measure by One-Touch and Re-work)

Managed Risk:

Proactively identified, escalated and resolved key risks and issues

that arose within the line of business; Integrated and applied

policies and procedures; Held team members accountable for

fulfilling risk management and compliance requirements; Worked

with risk management and compliance teams to implement

effective risk controls

2010 - 2011

BBVA Compass Bank – Birmingham Alabama

Operations Manager and Assistant Vice President – Mortgage Financial Services

Provided management to Post-Closing/Delivery and Accounting Areas, which consisted of

two managers and their fifteen direct reports.

Post-Closing:

Audit and Set up of Conventional and Government Loans

Clear Exceptions/Edits appropriately

Delivery:

Delivery of Loans to respective Investors (BOA and JP Chase)

Securitization of POOLS to FNMA

Accounting:

Reconciliation of Funds Disbursed and Wire Account

Balance and Reconciliation of all Payables with Mortgage Financial Services

2008 – 2010

BBVA Compass Bank – Birmingham Alabama

Assistant Vice President - Loan Operations

Provided management, training and guidance to six key operational areas:

Mortgage Processing; UCC Processing; Title Processing; CD Hold Verification;

Exception Clearing and Processing of Secondary Market Loans to the respective

Investors – Consisting of twenty direct reports

Remotely managed Loan Operations’ sister site in McAllen, Texas, which mirrors

the functions above in Birmingham – Consisted of ten direct reports.

Primary functions within these operational areas included:

Conducted appropriate reviews of production and service level agreement reports

to ensure adequate staffing and service requirements were being met

Analyzed strategic reports to ensure lien recordation was conducted within its

respective period

Initiated high-level escalation in an effort to remedy critical loan exceptions

Conducted high level review of CRA purchased loans; assisted with FHLB Audits

Applied due diligence and high level reviews of Collateral to ensure the security

of our asset for converted loans

2004 – 2008

First American Bank (Successor by merger 2/18/05)

National Bank of Commerce of Birmingham – Birmingham Alabama

Collateral Administration Officer - Loan Operations

Provided management, training and guidance to five key operational areas:

Document Preparation; Collateral Perfection; Insurance; Collateral Release/Paid

Out; File Retention. – Consisting of eighteen direct reports.

Monitored the tracking of pertinent collateral requiring recordation to ensure

Bank’s appropriate lien position was established. Ensured recorded

documentation was delivered to the appropriate Loan Operation Areas for File

Imaging and Exception Clearing.

Managed production goals to ensure they were met while providing

training/coaching when needed.

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