Reggie Mitcherson acgw1q@r.postjobfree.com ( 972-***-****

Profile

Mortgage servicing professional experience encompassing all aspects of sub-

prime and prime default servicing on GSE and non GSE loans. Areas of

expertise include:

> OCC and Presidential Complaint Review - root cause analysis and issue

resolution.

> Leadership - direct, train, develop and motivate successful goal

oriented teams.

> Loss Mitigation - manage loan modifications and short sale

negotiations processes.

> Quality Assurance - review and approve team's non delegated deals

including note, deed of trust, title, appraisal, settlement statement

(HUD-1) for investor approval.

Experience

Professional Work Experience

Rushmore Loan Management Services, LLC- Dallas, TX

12/2013-Present

Senior Asset Resolution Specialist

. Managed a portfolio of loans to determine best workout solution

for borrower and investor

. Communicate with homeowners in default and discussed options

available.

. Offered liquidation options via Short Sale, Deed in Lieu or

Consent to Judgment.

. Consistently hit monthly goals set in place by the Vice President.

. Ordered, and reviewed credit report as needed for all homeowners.

. Review Interior Appraisals daily to help determine property value.

. Communicated with realtors, attorneys and third party vendors

daily.

. Communicate daily with the Asset Managers assigned to portfolio.

. Recognized by Investors and Management for maintaining a Quality

portfolio consistently.

. Participated in monthly meetings with Asset Managers to review

progress of existing portfolio

. Stayed in compliance with FDCPA, and CFPB guidelines on all

mortgage regulations.

HOMEWARD RESIDENTIAL - Addison, TX. 2/ 2008-

12/2012

Manager, Home Retention/Modifications/Short Sales

. Manage day to day operations with authority over loss mitigation

representatives and team leaders. Responsible to coach, mentor, and

develop.

. Perform and oversee OCC complaint review of default resolution

activity.

. Interface with senior management as well as negotiatiors and senior

negotiators on a daily basis.

. Responsible for measuring and analyzing reporting metrics and

responsible for production deliverables, including but not limited

to loan volume, quality control, load leveling, pipeline management

and reporting.

. Perform monthly audits for Short Payoff closed files for Quality

Assurance.

. Function as point of contact for the Modification/Short Sale

Department with associates, vendors and business partners by

responding to operational/technical issues, questions and workflow.

Manager, Loss Mitigation

. Manage all phases of loss mitigation for 81 Mil portfolios of

delinquent FNMA subprime mortgages.

. Achieve average 80% cure rate with successful implementation of

Home Saver Advance.

. Manage 12 direct reports through interviewing, hiring, training,

rewarding and discipline.

. Supervise the efforts of the Loss Mitigation Specialist in their

counseling of the customers in order to achieve and maintain

monthly delinquency ratios not to exceed corporate goals.

Freemont Investment & loan- Las Colinas, TX

12/ 2006-1/ 2008

Manager, Loss Mitigation

. Monitor all phases of loss mitigation for first and second trust

deeds involving bankruptcy, litigation, foreclosure, modifications,

deferments, deeds in lieu of foreclosure and short payoff.

. Establish department goals and key performance indicators in

coordination with senior management. Manage employees through

interviewing, hiring, training, incentive and discipline.

Supervisor, Collections

. Monitor delinquency resolution of defaulted new origination

mortgage loans.

. Analyze and assist in making recomendations to maximize

effectivness in regards to the call management process and dialer

strategy. Systems used Aspect, Davox, and Melita

. Develop and implement negotiation training targeted to real estate

brokers and attorneys.

. Manage employees through interviewing, hiring, training, rewarding

and discipline.

. Assist and make reccomendations to the call management team in

regards to dialer strategy and gap analysis.

Centex home equity - Lewisville, TX

5/2005- 11/2006

Loss Mitigation Specialist

. Monitor all phases of loss mitigation for first and second trust

deeds involving bankruptcy, litigation, foreclosure, modifications,

deferments, deeds in lieu of foreclosure and short payoff.

new freedom mortgage - Salt Lake City, UT

12/2001- 3/2005

Residential Loan Officer

. Managed a pipeline of 5Mil+.

. Originated FHA, VA, Conventional, Seconds and HELOC residential

mortgage loans.

. Lap and Du underwriting experience.

Fairbanks capital corp. - Salt Lake City, UT

11/ 2000-11/ 2001

Loss Mitigation Specialist

. Managed 4.8 Mil multi-investor portfolios.

. Monitor all phases of loss mitigation for first and second trust

deeds involving bankruptcy, litigation, foreclosure, modifications,

deferments, deeds in lieu of foreclosure and short payoff.

associates finance - Dallas, TX

1996 to 2000

Asset Manager (Collections)

. Managed 10 Mil dollar profit and loss portfolios of consumer loans,

purchase money contracts, second mortgages and automobile

deficiency accounts.

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