Denise M. Kaiser

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

Milwaukie, OR 97267

971-***-****

abna0r@r.postjobfree.com

SUMMARY

Creative and versatile real estate professional with proven track record of

successfully managing all aspects of a $60 million dollar sub-prime real

estate loan portfolio and managing complex real estate closings. Seeking a

responsible position with a bank, credit union or other lending institution

using my loss mitigation and debt collection skills.

SKILLS

Strong analytical, organizational, and negotiating skills

Personally accountable and committed to team and corporate goals

Successful negotiator with internal and external clients, including angry

or disgruntled borrowers

Adept at balancing a diversity of competing priorities

Over 10 years experience in training and mentoring staff and co-workers

Competent with Word, Excel, SalesForce, Goldmine, and multiple web based

lending software

HISTORY

Loan Servicing Manager 07/01 to 04/09

Fairway America, LLC, Tigard, Oregon

. Managing all loan servicing functions, including but not limited to,

payment posting, collection of delinquent loans, reporting to

investors, and monitoring and collecting insurance premiums and

property taxes.

. Determining collection strategies for delinquent loans, including

meeting investor expectations and guidelines, reviewing collateral and

borrower history for possibility of loan modification.

. Negotiating payment workout and forbearance agreements for seriously

delinquent loans.

. Analyzing loan history of delinquent loans to determine best

collection practice, i.e. modification, forbearance, or foreclosure.

. Recommending workout agreements and payment schedules to bring loans

back into compliance where circumstances warranted.

. Providing Chief Credit Officer current statistics and information

regarding the portfolio pertaining to delinquency trends, status of

seriously delinquent loans and on going foreclosure and bankruptcy

actions.

Sr. Commercial Escrow Officer/Branch Manager 10/99 to 07/01

Stewart Title of Oregon-Portland, Oregon

. Preparing closing documents and statements for complex commercial

escrow transactions, including exchanges, SBA loans, and asset sales.

. Training and mentoring escrow assistants.

. Establishing compliance requirements for staff, including but not

limited to escrow accounting procedures, documentation for sale and

loan transaction, and standardized written communication with clients.

. Identifying new potential sources of business and making in office

presentations to the appropriate parties.

Escrow Officer/Manager Lender Unit 05/97 to 10/99

Pacific Northwest Title-Portland, Oregon

. Providing vacation coverage for escrow branch managers.

. Reviewing prior practices and procedures for poorly functioning lender

escrow unit and determining how best to resolve existing errors while

preventing such future losses.

Property Manager 04/91 to 03/97

Catellus Management Group, Anaheim, California

. Transferring excess land from Atchison, Topeka and Santa Fe Railway to

private buyers.

. Completing seller due diligence including determining real estate

regulations of multiple states.

. Obtaining and reviewing legal opinions, preparing all legal documents

and monitoring escrow and title company closings.

EDUCATION

Courses in business law and mathematics at Santa Monica City College and

Rancho Santiago Community College

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