Real Estate Quality Assurance

GARO KIRKLAND

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

Tampa, FL *****

Telephone: (321) 217 – 9493

E-mail: *********@*******.***

I am seeking a full-time employment opportunity in which I can use analytical, leadership, logical and organizational skills. I am interested in an employment opportunity that will introduce me to new learning experiences and career advancement. I am an oriented, innovative, self-directed professional with experience in Foreclosure, Compliance and Due Diligence.

Quality Control Summary Analyst 02-2013 – 07-2013

Clayton Tampa, FL

Clayton is a leading provider of risk analysis, loss mitigation, due diligence and operational solutions to the mortgage industry.

• Perform servicer audits of foreclosure, bankruptcy and loss mitigation documents, loss mitigation procedures, affidavits (affidavit of indebtedness) and pleadings to ensure accuracy of information and default-related charges are in compliance based on servicer's system and Consent Order requirements.

• Audit HAMP, Proprietary Modifications, VA, FHA, FNMA, FHLMC or other applicable program guidelines and requirements to determine if the borrower qualified for assistance.

• Audit and conduct reconciliation of payments, foreclosure pleadings and loss mitigation documents.

• Analyze servicer actions using proprietary risk management software as well as servicer-provided documentation; make recommendations on loans reviewed.

• State mortgage regulations including the Dodd-Frank Financial Reform Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, Servicemembers Civil Relief Act and the Fair Credit Reporting Act in addition to Federal and State Foreclosure and Bankruptcy requirements.

• Understanding of Federal and State compliance laws in both judicial and non-judicial jurisdictions.

• Coordinate with Team Lead and/or Servicer to obtain any documentation necessary to complete audit.

• Prepare reports based on audit results and communicate findings to Management.

• Partner with department Managers to ensure Client expectations are satisfied.

• Understanding of the LPS servicing platforms utilized by Client, including any ancillary system(s) such as Fidelity, Foreclosure Processing Systems and MERS

• Review Client's policies and procedures to ensure current servicing practices meet all appropriate State/Federal/Investor guidelines and identify any areas in which improvement is needed.

• Analyze loan and borrower data to determine best course of action.

• Review Loss Mitigation documents such as borrower’s financial forms, loan history file, hardship letters, taxes, and credit reports.

• Ensure the completion of Loss Mitigation solutions, loan modifications, reinstatement figures, payoff figures, DIL and short sale agreements were within Investor compliance.

• Provide due diligence and compliance for default, foreclosure, and loss mitigation against both state and federal guidelines.

• Performed in-line quality assurance audits on work produced by Initial reviewers and QC reviewers

• Review files in their entirety, and provide recommendations for any identified errors, misrepresentations or deficiencies that may have cause financial harm to the borrower

PROFICIENCY COACH Mortgage Claim Reviewers 02-2012 – 01-2013

Aerotek/Bank of America Corporation Tampa, FL

Bank of America Corporation, an American multinational banking and financial services corporation.

• Work individual with frontline associates to build their professional proficiency beyond standard skills acquired in training. Regarding the loan modification process by a specific investor segment, as well as loans in default, imminent default, short sale DIL, and foreclosure.

• State mortgage regulations including the Dodd-Frank Financial Reform Act, Flood Disaster Protection Act, Fair Debt Collection Practices Act, Servicemembers Civil Relief Act and the Fair Credit Reporting Act in addition to Federal and State Foreclosure and Bankruptcy requirements.

• Maintain a visible presence in the work area in order to respond quickly to requests for assistance.

• Conduct weekly reporting, facilitate training sessions, observe and assess performance, and provide action plans and follow up processes.

• Collaborate with the management team to design successful action plans that improve overall performance of associates.

• Analyze quality defects, and then create plans and materials to enhance associates skill set, identify and communicate best practices within the line of business and apply them to the field.

• Development sessions, assessments and work closely with Training Teams to facilitate new hire presentation segments and act as a champion for the performance enhancement process.

• Review foreclosed loans to evaluate whether or not they were processed in accordance with HAMP, Proprietary Modification, VA, FHA, FNMA, FHLMC or other applicable program guidelines and requirements to determine if the borrower qualified for assistance.

• Review and compiles fully documented loan histories, underwriter documentation, imaged documents and information available from all sources to collectively determine if it validates the information used to make the home retention / loss mitigation decision

• Complete Claim Review according to clearly defined requirements; make a recommendation as to whether the Borrower / Customer has a valid claim

• Analyze all factors of a borrower’s loan application, including employment, income, credit, collateral and assets

• Perform detailed and accurate mortgage calculations such as income, NPV and DTI

FORECLOSURE SPECIALIST 08-2010– 02-2012

Quantum Servicing Corporation Tampa, FL

Quantum Servicing Corporation, a Default Servicing corporation which provides clients unsurpassed loss mitigation and asset disposition solutions.

• Monitored foreclosure loans in all 50 States, Judicial and Non-Judicial to ensure they comply with

State guidelines and timelines for the completion of the foreclosure

• Responsible for taking immediate corrective action for non-compliance with the State guidelines or

Timelines

• Responsible for completing all the documents required to ensure compliance with the Clerk of

Courts

• Reviewed department goals with the Default Processing Team Lead ensuring goals

and client expectations are satisfied

• Trained newly hired foreclosure specialist on procedures and guidelines

• Review foreclosure pleadings, affidavits (affidavit of indebtedness), origination files and closing documents from the collateral custodian.

• Provided due diligence and compliance for default, foreclosure, and loss mitigation against both state and federal guidelines.

• Facilitated monthly meetings with investor to discuss the status of their assets and the foreclosure

Stages

PORTFOLIO MANAGER LEGAL – SALES DEPARTMENT 03-2008 – 07-2010

The Florida Default Law Group Tampa, FL

The Florida Default Law Group a full service Real Estate Law Firm which provide services such as foreclosures on single family, multi-family and commercial real estate, representation of the creditor in debtor bankruptcy matters, evictions, trial work on contested matters, legal opinions and real estate closing proceedings.

• Prepared and approved bidding instructions for Mortgage Foreclosure (Conventional, FHA, FNMA and FHLMC)

• Drafted Certificate of Titles, Amended Certificate of Titles, Quit-Claim Deeds; Motion

to Cancel/Reset Sales,

• Notified clients the status of the foreclosure process of their assets via Client Database Systems

• Communicated and resolved issues with the County Clerk office regarding Foreclosure Sales

• Draft Hud-1, Assignment of Mortgages and assisted Loan Closers with other closing documents.

FORECLOSURE PARALEGAL 07-2004 – 02-2008

Prommis Solutions Atlanta, GA

Prommis Solutions a leading national provider of processing services to the real estate finance that support many aspects of the real estate lifecycle, including full escrow settlements; title research.

• Prepared Mortgage Foreclosure Pleadings for Conventional and Freddie Mac Loans (Alabama,

Mississippi, Georgia, Tennessee)

• Reviewed Title Searches

• Notified Clients the status of the foreclosure process of their loans via Client Database Systems

• Worked directly with attorneys regarding the Mortgage foreclosure process Bankruptcy PACER

Foreclosure Paralegal 05-2003 – 05-2004

Law Office of Daniel C Consuegra Tampa, FL

Law Office of Daniel C Consuegra is a Full Service Rights Credit Law Firm offering representation in Florida representing mortgage bankers, servicers, vendors, loan companies and other credit extenders.

• Drafted Mortgage Foreclosure Complaints

• Reviewed Title Searches

• Notified Clients the status of the foreclosure process of their assets via Client Database Systems

• Worked directly with attorneys regarding Mortgage Foreclosures

FORECLOSURE COORDINATOR 11-1999 – 11-2000

Moss, Codilis, Stawiarski, Morris, Schneider& Prior, L.L.P. Orlando, FL

Moss, Codilis, Stawiarski, Morris, Schneider& Prior, L.L.P, is a Service Credit Law Firm offering representation mortgage bankers, servicers and vendors.

• Monitored loans in foreclosure to ensure they are in compliance with State guidelines and timelines

• Responsible for completing all the documents required to ensure compliance with the foreclosure

courts

• Work closely with Attorneys and Foreclosure Courts to ensure the foreclosure is managed effectively

• Responsible for monitoring the following states foreclosures: Texas, Nevada, California, Utah,

Arizona and Florida

COLLECTIONS PARALEGAL 12-1996 – 11-1999

Clayton & MCCulloh, P.A. Maitland, FL 12-2000–04-2003

Clayton & McCulloh, P.A. a law firm which specializes in Community Association Law, Real Estate, Real Estate Development, Civil Litigation and Condemnation.

• Drafted Lien Foreclosure complaints, reviewed title searches

• Drafted Motions for Summary Judgment

• Worked directly with attorneys regarding HOA/COA Foreclosure Process

• Bankruptcy PACER

• Billable Hours (25 per Week)

EDUCATION

University of Central Florida, 1998

B.A. Legal Studies

Computer Software

Microsoft Word, Outlook Express, Microsoft Excel, Atids, Compass, Casetrax, Ramquest, Homesteps, MSP, AS400, Lenstar, LPS, CMS Vendorscape, Clairfire, Mortgage Serve/ Fiserv, Perfect Practice, DCS

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