KATHLEEN TAYLOR

513-***-**** acrvzp@r.postjobfree.com

MORTGAGE BANKER LOAN PROCESSER PROFESSIONAL FOR BANKING MORTGAGE INDUSTRY

ASSET MANAGER WITH A HISTORY OF BUILDING LOAN PORTFOLIOS, TRAINING STAFF, AND CLIENT RELATIONSHIPS

Monitor and direct loan activities, analyzing and deterring risks associated with consumer and real

estate loans. Perform due diligence and conduct in-depth risk assessments to provide a thorough risk

profile and portfolio analysis pertinent to sustaining portfolio value and growth for the branch.

Previous experience working closely with investigators, claims examiners, customer service reps,

outsourced providers, and other third parties involved in the data verification process. Adhere to

local, State, and Federal laws and regulations while navigating lending functions. Background

encompasses the training, management, and direction of lending and support personnel at a high-volume

banking facility.

Specific skills relevant to loan processing, credit analysis, and risk management roles include:

* Staff Training/Management

* Data Verification/Fraud Analysis

* Appraisals/Liability Review

* Portfolio Administration

* Credit Document Verification

* Portfolio Risk Assessments/Valuation

* Consumer Clients

* Info Collection/Data Integrity

* Quality Control Checks

* Asset Preservation/Loss Prevention

PROFESSIONAL CAREER

ASSET MANAGER PNC BANK, MIAMISBURG, OH 2007 – PRESENT

* Asset Management Address distressed assets and intervene on delinquent loan balances to propose

asset alternatives, such as modifications and short sales. Manage a residential real estate portfolio,

which consists of 670 accounts (100 are in delinquency).

* Distressed Asset Resolutions Maximize total return for all distressed assets through strong

negotiations for modification, short sale, deed-in-lieu, and foreclosure. Oversee asset restructuring

and recovery (ARM) to maximize the financial return and minimize losses for the bank.

* Property Inspections/Asset Evaluation Coordinate various outside activities relating to property

value assessments, working with inspectors and valuation teams. Collect and report on asset findings

to identify asset recovery expectations.

* Government Agency Coordination Work closely with title searches to resolve lien issues and county

offices to identify whether tax records and payments are current. Ensure the proper processes, due

diligence, and steps are taken to determine the best course of action for each asset.

* Departmental Networking Coordinate the management of distressed properties with legal and tax

departments. Ensure document and reporting standards met with the policies and procedures set by the

bank to avoid potential litigation or asset loss.

* Award-Winning Performance Recognized in 2014 as the Top Producer for modifications and short-

sells. Received a promotion shortly after joining the bank. Started as a Loan Processor in 2007 and

then shifted into Asset Manager in 2010.

CUSTOMER SERVICE REPRESENTATIVE HERTZ CAR RENTAL, DETROIT, MI 2004 – 2007

* Customer-Centric Service Resolved business and customer complaints and issues, delivering

customer-focused attention to build customer loyalty through strong relationship building and prompt

problem resolution skills.

* Over-Delivery System Utilized a system that not only resolved the customer’s issues, but also

delivered a cost reduction or reimbursement solution that helped alleviate animosity and preserved the

company’s reputation and brand with consumers.

* Needs Assessment Leveraged the company’s in-depth computer system to sort through order

fulfillment and processing tasks as part of the problem resolution process. Addressed inbound sales

calls, training colleagues and assisting with complex client issues as needed.

BRANCH MANAGER HALLMARK CREDIT, LAFAYETTE, LA 1985 – 2003

* Loan Portfolio Management Led a loan portfolio management and accounts receivables for $8M in

assets. Managed lending, appraisals, and repossessions of assets (cars, consumer goods, and homes),

participating in bankruptcy and other court hearings as part of the asset recovery process.

* Team Management Oversaw a team of 8 working on the identifying and addressing credit risks,

document deficiencies, and other red flags that constituted loan modifications and restructurings.

Assured compliance with loan underwriting, review process, and loan negotiations.

* Staffing/HR Management Led the hiring, training, coaching, and performance reviews for 8 full-time

personnel supporting money lending activities; e.g. business development, customer service, due

diligence, and loan processing.

* Departmental Coordination Completed loan application logistics, from underwriting and negotiating

loan terms to loan closing and long-term loan monitoring/management. Worked with a customer-centric

bank staff, including the Branch Manager, Loan Administrator and Officer.

* New Business Development Met with area businesses, including furniture stores and car dealerships,

to set-up deals to provide with on-the-spot financing options used for sizable purchases. Created

alliances and revenue channels that added additional revenue each year.

* Recognition Awarded for superior performance and profit, receiving several trips, cars, and money

in recognition for superior performance.

EDUCATION & ADVANCED SKILLS

MSM, Organizational Leadership, Indiana Wesleyan University, Marion, IN; Expected to Complete 2016

BA, Business Administration, Indiana Wesleyan University, Cincinnati, OH

Software/Technical Skills CoreLogic, NationalLink, Safeguard, Newtrack/Black Knight Financial

Services, eLenderSolutions (LSI), IMS, National Link, OFAC Check, WebTrack, NetOnline, and RealQuest®

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