ANDY THANH HANG

714-***-**** & EMAIL: woznn3@r.postjobfree.com

OBJECTIVE: To pursue a challenging and rewarding career in the real estate and Financial industry

EDUCATION:

Bachelor of Arts, Computer Information Systems; California State University San Bernardino

EXPERIENCE

May 2010 – Present Wescom Credit Union Anaheim, California

Bankruptcy Specialist

• Responsibilities of Bankruptcy Officer included processing Chapter 7,11,12 &13 bankruptcy.

• Monitored each case and serviced them in accordance with required guidelines and time frame. Process post & pre-petition payment.

• Reviewed and authorized delinquent tax advancement. Reviewing Proof of Claim figures to be filed the Bankruptcy court.

• Reviewed all loans for possible filing of motion for Relief from Stay. Entering adequate protection order in the event MFR was not granting at hearing.

• Handle all inbound bankruptcy calls and update the system with comment regarding each call.

Jan-2001 – Jun 2009 American Home Mortgage ( Formerly Option One Mtg Corp) Irvine, California

• Investor Reporting

• Responsible for the day-to-day technical support of the investor reporting remittance process, including reviewing and tracking, to ensure Team Lead has all remittances due each day.

• Ensure investor reporting functions are performed in accordance with USAP and PSA requirements,

and will immediately bring to the attention of management any known instances of non-compliance.

• Prepares the more difficult investor remittances timely, accurately and in accordance with the respective

pooling and servicing agreement of American Home Mortgage policies and procedures.

• Prepares and coordinates the delivery of remittance, delinquency, servicer and any miscellaneous

reports as required by the investor, trustee or the respective pooling and servicing agreement.

Bankruptcy/ Foreclosure Specialist

• Monitor foreclosure process ensuring that investor and government timelines were executed in a timely manner.

• Motivated borrowers to reinstate and informed borrowers of alternate solutions of payment plan.

• Prepared Trustee notice of Sale and bids for foreclosure sale.

• Reviewed loans from point of filing until released from bankruptcy department.

• Monitored loans for trustee and debtor payment to ensure timely processing and investor compliance

• Responsible for all Fannie Mae loans in Bankruptcy Portfolio

• Generated and utilized reports specific to FNMA to ensure compliance with federal guidelines

• Authorized payment of attorney invoices to ensure timely payment and disbursement

1999 – Jan 2001 New Century Mortgage Corporation Irvine, California

Bankruptcy Representative

• Monitored loans utilizing investor requirements and deadlines with superior audit results

• Reviewed second lien holder positions for assigned states to minimize and elimate possible losses

• Corresponded with Legal Department and internal business units to monitor progress on title issues and loan defects

• Communicated effectively with borrowers on a daily basis to motivate reinstatement or payoff on loans

• Reviewed, identified, and resolved title defects to expedite foreclosure sales

1995 – 1999 Bank of America Real Estate Mortgage Cypress, California

Senior Bankruptcy Specialist

• Serviced and monitored approximately 400 Fannie Mae, Freddie Mac, HUD, and asset loans throughout bankruptcy chapter processes and time lines

• Authored legal and technical procedures for all files serviced in the bankruptcy department

Foreclosure Specialist

• Monitored foreclosure process ensuring that investor and government timelines were executed in a timely manner

• Motivated borrowers to reinstate and informed borrowers of alternate solutions of repayment

SKILLS SUMMARY:

• Highly competent in the use of CPI (Fidelity), Microsoft Office Suite, LenStar, Acrobat Reader, New Trak and IROC.

• Fifteen years of experience in the Real Estate default loan servicing industry

• Proficient in Fannie Mae, Freddie Mac, VA, PMI, and internal guidelines and procedures for loan servicing in default areas

• A dedicated team player, strong ability to assist other teammates when opportunity exists

• Thorough and superior organizational skills with outstanding follow-up skills

• Ability to quickly understand new computer systems and functionality with ease

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