Sales Real Estate
Resume:
RESUME OF
DEBORAH G CUTCHSHAW
Keller, TX 76248
**********@*********.***
SKILLS
Texas Real Estate License since 1994
Texas Adjuster License since 2011
Foreclosure and REO Experience since 2000
Quality Assurance Experienced
Quality Review Experienced
Excellent written and communication skills
Strong computer and organizational skills
Highly motivated and multi-tasked
Works Independently
EXPERIENCE
REDC Default Solutions Group
Plano, Texas
February, 2013 to present
Short Sale Asset Manager
Manages Fannie Mae portfolio by reviewing contracts, HUD-1/settlement
statements, and other documents to make certain that all necessary compliance
standards are maintained. Negotiate offers with homeowners, realtors, and
attorneys. Submit files to private investor for approval. Make outbound calls
to realtors and attorneys. Quickly and efficiently resolve problems and
escalated issues. Provide Quality Review by monitoring agents and
representatives for compliance with established processes, policies and
guidelines. Provide feedback to agents based on evaluation results. Analyze
information and utilize to build recommendations to reduce errors and improve
process performance.
Retreat Capital Management
Irving, Texas
February, 2012 to February, 2013
Business Control Analyst
Ensured compliance to investor/client policies and procedures for
activities within the Short Sale, Deed in Lieu and REO groups. Identified and
communicated best practices while minimizing loss exposure and overall
financial risk. Under direction, performed loan level compliance reviews of
Short Sale, Deed in Lieu and REO closed loans. Developed clear and concise
written issues and recommendations for management level review. Maintained
effective working relationship with clients at all levels. Performed
independently and maintained the confidentiality of review findings, customer
data, and company proprietary information. Performed compliance reviews of
Short Sales, Deed in Lieu, and REO loans to ensure accuracy of transaction
and ongoing tracking and follow-up of assigned audit issues through final
remediation. Adhered to company policies and procedures in order to avoid
potential risk. Top producer and mentor.
Power-REO Management Services, Inc. aka
American Home Mortgage Servicing, Inc.
Irving, Texas
September, 2005 to April, 2011
Sr. REO Asset Manager
Responsible for operational mentoring, guidance and development of the
sales and marketing process based on an assigned portfolio of real estate
owned properties, including but not limited to Associates and Business
Partner training, strategy review and approval and portfolio coverage.
Managed strategies for the timely disposition of assets through marketing,
sales and contract negotiations of an assigned real estate owned portfolio
acquired through foreclosure action or deed in lieu. Monitored the various
functions, ensuring all steps have been taken in support of the disposition
of assets in the portfolio while ensuring compliance with all department and
company practices and policies. Reviewed activity in portfolios to ensure
each property had proper securing, maintenance, winterization, and insurance.
Negotiated offers for cash for keys, HOA and other lien items. Resolved
problems and complaints within the portfolio and managed aged inventory.
Assisted management in development of associates by conducting training
sessions regarding the Marketing and Selling of REO Properties. Responsible
for obtaining and maintaining the highest rating agency and internal quality
assurance metrics. Collaborated with in-house legal counsel and external
authorities to ensure activities are in compliance with all investor policies
and procedures and all state laws. Obtained all required investor and
mortgage insurance approvals and documented according to procedure.
Established and maintained working relationship with eviction attorney, real
estate agent, contractors, closing agents, and others involved with
management and sale of properties. Top producer and mentor.
EMC Mortgage Corporation
Irving, Texas
January, 2002 to September, 2005
Foreclosure Analyst
Managed assigned portfolio of delinquent mortgages and worked closely with
foreclosure attorneys to monitor foreclosure process through title
acquisition in compliance with state guidelines. Documented current
status of each assigned case and followed up with attorney on a weekly basis.
Responsible for generating payoff and reinstatement quotes and executing
affidavits and assignments. Researched and resolved individual contested
cases in order to avoid litigation. Completed Equity Analysis and Profit
and Loss Reports for each case. Requested Property Inspections, Broker
Price Opinions, and Appraisals when needed. Generated bidding instructions
for foreclosure sales and provided to attorney in a timely manner.
EDUCATION
North Harris Junior College
Houston, Texas
University of Houston
Houston, Texas
Rice University
Houston, Texas
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