Zenobia Robinson

** ******** *****, *********, *** Jersey 07042

973-***-**** acqxtw@r.postjobfree.com

Profile Summary:

Proven leader of Servicing Operations and Acquisition, Client Relations Manager and business analyst with management, reviewed, monitored servicing, due diligence, bulk loan transfers, risk management for repurchase/putback loans, Investor guidelines, acquisition and remittance functions in excess of $33 billion monthly. Excellent leadership and analytical skills that effectively managed the surveillance, servicing, default and underwriting functions related to residential/asset mortgage backed securitizations (RMBS/ABS) with demonstrated success in related cash flow, credit analysis, structuring terms, modeling, prepayment and collateral characteristics. Extensive knowledge in training, development and maintained key account relationships, established and developed technology for operating and organizational wide data warehousing information. Accomplished risk management and default reporting for both the conforming (agency) and non-conforming (private label) mortgage markets.

Mortgage Banking Experience:

Franklin Credit Management Corp New Jersey

Underwriter/Loss Mitigation Analyst current

Evaluating Settlement and Short Sales to mitigate the loss by using various reports, market analysis to determine and protect the Investors position.

Evaluated financial strength of borrowers to determine capacity. Balanced the loan volume growth. Monitored risk and repayment by using various tools to determine property valuation, credit valuation, pay histories, etc to complete analysis for Settlement, Repurchases/Putback and Short Sale information. Maintain Profit and Loss position of each loan based on Investor guidelines.

Evaluating Financials, credit reports, debt to ratio income to determine the best modification tools for a re-performing loan

Knowledge of loan products to assist in restructure of non-performing, repurchase, charge off and performing loans for subsequent approvals/denials. Maintained compliance with Investor and Servicing guidelines.

Bank of America New Jersey

File Claim Reviewer/Special Projects Manager 2011-January 2013

Evaluating foreclosed, default and loss mitigation loans during the File Review and/or Claim Review process, to determine if all required foreclosure were processed based on regulations, loss mitigation activities were handled and documented in accordance with the requirements of HAMP, HAFA, Loss Mitigation products based on and various Investor s (GSE & Non-GSE)

Proprietary modification or other programs' requirements (in effect at the time of the Foreclosure process), prior to making the final foreclosure determination. Review foreclosed loans, evaluate whether or not they were processed in accordance with HAMP, HAFA, and various Investor s

BAC Proprietary Modification or other applicable program guidelines and requirements. Perform final determination of Harm. Provide training to staff based on business needs by creating procedures, Powerpoint Presentations, Job Aids and Step Actions

Response Companies/American Mortgage Services New York

Consultant 2009-2011

Review and advise as to the processing of default data from various servicing documentation for commercial and residential loans for purchase and acquisitions

Review and audit of all servicing data collection activity for Fannie Mae, Ginnie Mae, Freddie Mac and Non-Agency Investors based on transactions such as collections, Loss Mitigation, REO, repurchase, charge off, etc. Residential (FHA, VA, guideline) data for transfers based on credit review, product type such as sub-prime, home equity (HELOC), second mortgage, etc. based on appropriate regulations for all aspects of due diligence and servicing.

The Winter Group New York

Vice President of Servicing & Acquisitions 2004-2008

Created, Tested and implemented business Systems, processes for various systems movement of incoming remittance funds in excess of $10MM

Created and managed data validation with 95% accuracy for forecasting, payout and remittance

Accurately tracked and reconcile New Loan Funding daily, monitored clients/vendors service issues and follow-up until resolved in a timely manner

Facilitate client/implementation visits (on and off-site) and conduct scheduled meetings/calls, to include preparing agendas, presentations, track and updated task lists and ensure timely resolution of all outstanding items

Coordinate with sales team to review and determine approval for eligibility of clients purchase/acquisition into alternative investments, primarily hedge funds; Liaise with clients and sales team to facilitate corrections to incomplete documents

GreenPoint Mortgage Funding, Inc. Columbus, GA

Assistant Vice President, Investor Services/Financial Administrator 2000-2004

Managed, developed and trained staff on correspondent lending flow and bulk release sales totally $50 MM monthly

Provided risk management and resolution reporting data for default loans based on credit research from Mortgaged-Backed Securities and Asset Backed Securities for 30, 60, 90 days plus to reduce exposure to company/investors

Daily/Monthly, reporting, reconciliation of Fannie Mae, Ginnie Mae and Freddie Mac with 100% validation in a timely manner based on contracts, policies and guidelines

Reviewed due diligence for loan acquisitions, repurchase and sales for data along with collateral documentation based on product type

Skills

-Proficient in Microsoft Word, Outlook, Excel, PowerPoint, Crystal Reporting and Visio

-Experience in using of Fidelity Information Systems & Fiserv, proficient in creating Director Scripts, and various transaction processing via Passport, etc.

Education: Winston-Salem State University, NC

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