Real Estate Customer Service

KRISTINE GILL

Orange County, CA 949-***-****

********@*****.*** www.linkedin.com/in/kristinegill1

SUPERVISOR / SENIOR LOAN SERVICING SPECIALIST

Commercial and residential loan servicing professional with experience

working with mortgage companies varying in size from entrepreneurial to

over $10 billion in assets. Managed over 25,000 REO and escrowed parcels

in multiple states while maintaining a $0 property tax penalty payout.

Processed reconveyances in accordance with time statutes maintaining $0 in

fines and additional title fees. Notary public since 1994. Key loan

servicing competencies include:

( Multi-state property taxes ( Escrow analysis

( Full and partial reconveyances ( Full and partial demands

( Insurance and loss drafts ( Foreclosures and bankruptcies

PROFESSIONAL EXPERIENCE

iSTAR FINANCIAL INC., Fullerton, CA 2007-2013

Director (2011-2013)

Associate (2007-2011)

Responsibilities included tax payments, monitoring and delinquency

reporting of all core and REO Commercial properties. Member of the

Commercial Loan Servicing Department that achieved Standard and Poor's

primary servicing rating of Strong and a Special Servicing rating Above

Average.

. Payment and tracking of multi-state property taxes for core and REO

properties.

. Filed and received California Proposition 8 reductions on REO properties

saving over $185,000.00 per year on the tax base.

. Full audit of manually serviced tax parcels and corrected agencies and

parcel numbers.

. Filed tax appeals for California and other non-judicial states/agencies.

. Single-handedly maintained and paid over 25,000 escrowed parcels in

multiple states agencies with $0 tax penalty payments.

. Updated the tax module of the loan servicing system to take advantage of

maximum tax discount payments when available.

. Created policies and procedures for real estate tax payments and

tracking.

. Responsible for real estate tax training.

. Key contact for the tax service, taxing agencies, co-workers and

customers.

. Created and supervised the updating of a monthly delinquent tax report

and notification to the managers of potential tax losses.

. Supervised, prepared and reviewed preparation of full and partial

reconveyances.

. Remitted reconveyances for recording via state timeline statutes

resulting in $0 total fines and additional title costs.

. Escrow analysis.

. Filing of Uniform Commercial Code (UCC) extensions, terminations and

amendments.

. Backup for hazard, flood, environmental and liability insurance review.

. Notarized modifications, amendments, reconveyances and other business

documents.

. Vesting verifications.

Kristine Gill, 949-***-**** Page Two

FREMONT INVESTMENT & LOAN, Brea, CA 1994-2007

Commercial Account Specialist (2000-2007)

Customer Service Specialist (1994-2000)

. Payment and tracking of multi-state property taxes for core and REO

properties.

. Key contact for our tax service, taxing agencies, co-workers and

customers.

. Adjustable rate mortgage loan recast and verification.

. Filing of UCC extensions, terminations and amendments.

. Escrow analysis.

. Created and maintained a monthly delinquent tax report.

. Prepared and reviewed full and partial demands and payoff letters.

. Prepared and reviewed full and partial reconveyances and submitted for

recording.

. Processed verifications of mortgage and beneficiary statements.

. Processed payments, payoffs, interest reserve, construction and impound

disbursements.

. Notarized modifications, amendments, reconveyances and other business

documents.

. Vesting verifications.

UNITED CALIFORNIA SAVINGS BANK, Tustin, CA 1991-1994

Insurance and Tax Specialist / Demand and Reconveyance Processor

. Tracked and paid hazard, flood, group, forced, REO and mortgage

insurance.

. Verified, disbursed and tracked loss draft funds.

. Ordered and reviewed property inspections.

. Paid and tracked multi-state property taxes.

. Prepared demands and payoff letters.

. Processed full and partial reconveyances.

. Vesting verifications.

ADDITIONAL EXPERIENCE

. Processed and tracked multi-state Chapter 7, 11 and 13 bankruptcies.

. Processed and tracked multi-state conventional, VA and FHA foreclosures.

. Reviewed delinquent loans to arrange payment plans/reimbursements or

processed referral

for foreclosure.

PROFESSIONAL DEVELOPMENT

Real Estate classes. (Fullerton Jr. College)

Workshops/seminars: National Notary Association, notary public

certification.

Working with Difficult People.

PROFESSIONAL AFFILIATIONS

National Notary Association, Notary Public since 1994

TECHNICAL

MS Word, Excel, Outlook. Loan Servicing Systems: Enterprise, Strategy,

Oracle, AS400, FiServ. Real Estate Tax Servicing Systems: LERETA, First

American, TransAmerica, CRM. Using, posting, updating and creation of

online and hard data files for payments to various taxing agencies,

including data file conversions to Notepad.

Contact this candidate