Dolores Gibson

*** ***** ****** ****** *******, FL 32110

386-***-****

ab6x2g@r.postjobfree.com

Objective

Recent finalization of the Construction Permanent Department within Wells

Fargo Bank N.A. has afforded me the opportunity to explore career options

in the fields of Default Servicing and Collections including Quality

Assurance.

Summary

. Experienced administrator with a proven ability in risk management

relating to real estate mortgage restructuring and negotiations including

successful short sale, deed in lieu and foreclosure workouts.

. Analytical assessment of borrower's credit and financial profile.

. Interaction with Legal/Attorneys in review and preparation of legal

documents and formulating litigation strategy.

. Excellent communication skills including patience and guidance with

borrower as we work towards a final resolution of their troubled loan,

inclusive of HAMP directive.

. Respected leader with excellent team building skills, training, guidance

and mentoring of team members to high performance. Integrity, leadership,

problem solving and making sound decisions are my strengths.

Professional Experience

WELLS FARGO BANK N.A., (fka Wachovia Mortgage FSB)

Construction Permanent -- (Capital Markets Division)

Jacksonville, Florida

Loan Adjustor 3 - Risk Management 01/2009 - 04/2013

Highlights:

Strategic member of an executive team that helped to create from inception

the Construction Permanent Asset Resolution/Loss Mitigation unit within the

Capital Markets division of Wells Fargo Bank N. A.

Resolution of acquired/distressed CMG/RERC (Credit Management

Group/Construction) Bank portfolio; approximate 300 loans which have been

properly resolved or moved to appropriate divisions within the Bank for

servicing. This resolution was in conjunction with the downsizing of Asset

Resolution department and major transformation due to employee departures.

Managed a portfolio of approximate 100 in process construction loan

mortgages in which borrowers are in process of losing home due to builder

issues or general delinquency.

Analyze borrower financial statements; negotiating with borrower in order

to recommend workout solutions. Counsel borrowers to help avoid

foreclosure & severe delinquency by means of: repayment plans, loan

modifications, charge offs, short sales and movement through CP HAMP

process review.

Assess risk to Bank through a careful review of the loan file, title update

and loan document review. Restructuring supervised loans; recovering

charged off loans and monitoring of loans that have been placed in OREO for

re-sale.

Initiate foreclosure; monitor bankruptcy and render assistance both to in

house and outside retained attorneys regarding all legal action, including

assistance in legal document preparation; assisting with discovery and

review and attendance at mediations or depositions required by the Court

system.

Responsible to train and mentor/guide transferred team members through

Asset Resolution/Loss Mitigation procedures.

Restructure of a commercial loan portfolio loaded on incorrect platform to

a consumer loan platform to which loan could be serviced properly.

Authorized to sign for MERS and had Bank signing authority as Vice

President Loan Documentation.

Closing Quality Analyst (Assistant Vice-President) 06/2007- 01/2009

Closing Quality analysts ensure overall performance in the mortgage loan

closing process.

Researches closing, documentation and regulatory issues from internal and

external audits.

Ensures loan level account escalations, accounting reporting

reconciliation, documentation quality exceptions, and incentive

discrepancies are resolved timely.

PRIME HOME MORTGAGE, INC. 06/1985 - 01/2007

Palm Coast, FL (formerly Palm Coast Mortgage / ITT)

AR Manager/Human Resources 08/2005 - 01/2007

Accounts receivable for mortgage loans sold on the Secondary Mortgage

Market, which included construction and serviced loan files.

Cash/checks/wire & warehouse line of credit transactions in excess of $6

million processed monthly.

Monthly bank statement reconciliation for 10 bank accounts.

Maintained HR, this included maintenance of employee personnel files,

insurance and benefits administration. Also payroll processing through

Paychex.

Loan Servicing Manager 07/1996 - 08/2005

Supervision and Management including training of approximate 10 loan

servicing personnel.

FHLMC & FNMA Seller/Servicer - achieving FHLMC Investor reporting Tier 1

rating.

Credit reporting, and payment processing of loan portfolio in excess of

2500 + loans

Escrow (T&I) and ARM analysis

1098 year end process and reporting to IRS

Construction related duties included; Coordinated and disbursed funds per

construction draw schedules to local home builders and developers.

Property inspections during some stages of the construction draw; approx

100+ Construction Perm loans in portfolio.

Notice to Owner, lien waivers & satisfaction of mortgage experience.

Quality Control Supervisor 09/1995 - 07/1996

Loan Servicing Delinquency/OREO 10/1992 - 09/1995

Secondary Market Assistant 07/1988 - 10/1992

Mortgage Loan Processor/Interviewer 06/1986 - 07/1988

Secretary 06/1985 -

06/1986

Education

South Sumter High School Bushnell, FL Class of 1979

Some college classes with Daytona State College Daytona Beach, FL

Relevant Skills

TCL, E-Car, Aetna Blast, See More Plus, FICS, Lexus Nexus

Microsoft: Excel, Word, MS Office, Outlook

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