RESUME OF

DEBORAH G CUTCHSHAW

**** ***** **** *

Keller, TX 76248

214-***-****

abr2dx@r.postjobfree.com

SKILLS

Texas Real Estate License since 1994

Texas Adjuster License since 2011

Foreclosure and REO Experience since 2000

Quality Assurance Experienced

Quality Review Experienced

Excellent written and communication skills

Strong computer and organizational skills

Highly motivated and multi-tasked

Works Independently

EXPERIENCE

REDC Default Solutions Group

Plano, Texas

February, 2013 to present

Short Sale Asset Manager

Manages Fannie Mae portfolio by reviewing contracts, HUD-1/settlement

statements, and other documents to make certain that all necessary compliance

standards are maintained. Negotiate offers with homeowners, realtors, and

attorneys. Submit files to private investor for approval. Make outbound calls

to realtors and attorneys. Quickly and efficiently resolve problems and

escalated issues. Provide Quality Review by monitoring agents and

representatives for compliance with established processes, policies and

guidelines. Provide feedback to agents based on evaluation results. Analyze

information and utilize to build recommendations to reduce errors and improve

process performance.

Retreat Capital Management

Irving, Texas

February, 2012 to February, 2013

Business Control Analyst

Ensured compliance to investor/client policies and procedures for

activities within the Short Sale, Deed in Lieu and REO groups. Identified and

communicated best practices while minimizing loss exposure and overall

financial risk. Under direction, performed loan level compliance reviews of

Short Sale, Deed in Lieu and REO closed loans. Developed clear and concise

written issues and recommendations for management level review. Maintained

effective working relationship with clients at all levels. Performed

independently and maintained the confidentiality of review findings, customer

data, and company proprietary information. Performed compliance reviews of

Short Sales, Deed in Lieu, and REO loans to ensure accuracy of transaction

and ongoing tracking and follow-up of assigned audit issues through final

remediation. Adhered to company policies and procedures in order to avoid

potential risk. Top producer and mentor.

Power-REO Management Services, Inc. aka

American Home Mortgage Servicing, Inc.

Irving, Texas

September, 2005 to April, 2011

Sr. REO Asset Manager

Responsible for operational mentoring, guidance and development of the

sales and marketing process based on an assigned portfolio of real estate

owned properties, including but not limited to Associates and Business

Partner training, strategy review and approval and portfolio coverage.

Managed strategies for the timely disposition of assets through marketing,

sales and contract negotiations of an assigned real estate owned portfolio

acquired through foreclosure action or deed in lieu. Monitored the various

functions, ensuring all steps have been taken in support of the disposition

of assets in the portfolio while ensuring compliance with all department and

company practices and policies. Reviewed activity in portfolios to ensure

each property had proper securing, maintenance, winterization, and insurance.

Negotiated offers for cash for keys, HOA and other lien items. Resolved

problems and complaints within the portfolio and managed aged inventory.

Assisted management in development of associates by conducting training

sessions regarding the Marketing and Selling of REO Properties. Responsible

for obtaining and maintaining the highest rating agency and internal quality

assurance metrics. Collaborated with in-house legal counsel and external

authorities to ensure activities are in compliance with all investor policies

and procedures and all state laws. Obtained all required investor and

mortgage insurance approvals and documented according to procedure.

Established and maintained working relationship with eviction attorney, real

estate agent, contractors, closing agents, and others involved with

management and sale of properties. Top producer and mentor.

EMC Mortgage Corporation

Irving, Texas

January, 2002 to September, 2005

Foreclosure Analyst

Managed assigned portfolio of delinquent mortgages and worked closely with

foreclosure attorneys to monitor foreclosure process through title

acquisition in compliance with state guidelines. Documented current

status of each assigned case and followed up with attorney on a weekly basis.

Responsible for generating payoff and reinstatement quotes and executing

affidavits and assignments. Researched and resolved individual contested

cases in order to avoid litigation. Completed Equity Analysis and Profit

and Loss Reports for each case. Requested Property Inspections, Broker

Price Opinions, and Appraisals when needed. Generated bidding instructions

for foreclosure sales and provided to attorney in a timely manner.

EDUCATION

North Harris Junior College

Houston, Texas

University of Houston

Houston, Texas

Rice University

Houston, Texas

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