Real Estate Manager

JOSE D. ANTONIO, JR.

*** ******** *****, ********, ** 94044

Tel: 650-***-**** Cell: 650-***-**** Email: *******@*****.***

PROFESSIONAL EXPERIENCE:

BANK OF AMERICA May 2011 to

November 28, 2012

Assistant Vice President - Mortgage Servicing Team Manager II

. Primary responsibility: Manage, train, and coach ten (10) associates with

their existing pipeline of nationwide, financially-challenged mortgage

borrowers in qualifying for the Making Home Affordable Modification

program by gathering all required documentation as mandated by President

Obama's program, based on the borrower's default category and employment

situation.

. Daily report to management on the status of my team's assigned loan

pipeline, as well as progress of each associate.

. Monitor triggers that indicate urgency, such as foreclosure sale dates

where client may have change in circumstance that will help qualify for

foreclosure postponement to assist the borrower with other potential

option such as Non-HAMP program, National Home Retention Program (aka

Department of Justice Settlement), Repayment plan, Short Sale or, if all

else fails, Deed in Lieu of Foreclosure.

. Respond and resolve escalated complaints.

. Ensure timely execution of each associate's activities and tasks to

facilitate the appropriate home retention option for the borrower.

. Monitor to ensure that team associates' conversations with customers are

in compliance with the Privacy Clause Act and Fair Debt Collection

Practice.

NEIGHBORHOOD HOUSING SERVICES OF AMERICA, Oakland, CA February

1996 - March 2010

Director of Loan Servicing Operations

Primarily responsible for implementing superior loan servicing standard and

secure appropriate legal measures to protect the interest of NHSA managing

a portfolio of 7,000 Single Family mortgages with a combined UPB of $470M,

75 Community Development Interim Construction Loans with a UPB of $272M

throughout the United States in compliance with RESPA regulations and its

investor servicing requirements.

. Evaluate and confirm system application sufficiently supports loan

servicing operational needs.

. Verify policy and procedural changes are up-to-date, approved, recorded,

circulated and implemented.

. Ascertain effective staff cross-training to ensure proper implementation

and adherence to required operational changes guaranteeing workflow

efficiency and data integrity for payment processing, property tax and

insurance payment disbursements, payment collection, loss mitigation,

repayment workouts, modification, bankruptcy, deed-in-lieu, foreclosure,

REO liquidation and timely release of the satisfaction of mortgage as

required by law.

. Generate and disseminate monthly portfolio performance reports to NHSA

management, directors and investors.

. Diplomatically respond to all sensitive, complex and technical issues

reported to Loan Servicing Dept by borrowers, 3rd party, management and

investors.

. Regularly interface with all department and management levels of NHSA

regarding status of servicing operations.

. Validate completion of servicing system year-end closing including

essential IRS reporting requirements.

. Hire, train, evaluate work performance of ten (10) direct reports,

promote or terminate employee(s) if necessary.

. Assess and renegotiate expiring subservicing and vendor contracts

handling NHSA assets.

. Conduct quarterly loan servicing workshop to facilitate subservicers

understanding of NHSA's servicing policy.

BREEN MORTGAGE FUND I, Mill Valley, CA

December 1993 - December 1995

Real Estate Portfolio Servicer

Assist the investment partnership's General Partner continue the loan

servicing of its $4 million real estate loan portfolio after Fonarow

Mortgage closed their business. Conducted delinquency collection; NSF

recovery; issued dunning letters and NOI; filed notice of default until

cured or proceed with foreclosure and Trustee Sale; track fire insurance

renewals; issued request for proof of insurance, balloon payment notices;

provide payoff information and issue full reconveyance; process and post

monthly payments, payoffs, light bookkeeping and data entry into the

general ledger and bank account reconciliation. Ensure the timely monthly

distribution all interest earned by the members of the partnership in

accordance with their investment share.

FONAROW MORTGAGE GROUP, San Rafael, CA 94903

June 1993 - October 1993

Real Estate Portfolio Servicing Manager

Assist investors recover payments from non-performing borrowers; post

monthly payments and timely distribution of investor's share of monthly

interest received; ascertain due diligence collection process; prepare

Declaration of Default to proceed with foreclosure action; monitor senior

lien holder's action and recommend appropriate action to protect investors'

interest. Interface with Foreclosure Trustee on sale bid instruction or

postponement. Interface with legal counsel to secure assistance in

obtaining relief from automatic stay on bankrupt loans to proceed with

foreclosure. Log all account expenses for proper reimbursement from the

borrower, monitor default reinstatement, insurance reinstatement to

mitigate investment losses. Monitor maturing loans and coordinate with

Managing Broker prospective business. Respond to inquiries and resolve any

problem related to a loan.

CSEA/PROVIDENT CENTRAL CREDIT UNION January 1981-

September 1993

Collection Supervisor

Responsible for overseeing the collection of past due and defaulted loan

payment for Mortgage, Automobile, Student,

HELOC, Credit Cards and Unsecured loans. Formulate repayment agreements and

loan term modification that suites the customer's budget. Liaison for

liquidation vendors (REOs and Repossessed automobiles; represented the

Credit Union in Small Claims Court, Bankruptcy and Civil litigation

hearings. Trained and supervised 12 Collection Associates with specific

assignments.

EDUCATION: Skyline College of San Mateo

San Francisco Community College

SPECIALIZED TRAINING:

Fannie Mae and Freddie Mac Loss Mitigation,

Mortgage Bankers Association for Loan Servicers

American Management Association - Staff and Time

Management

Bank of America Competency Training - Making Home

Affordable Program

SKILLS: Managerial: Department Management with 10direct reports.

Technical: In depth knowledge of Loss Mitigation options

and remedies,

Bankruptcy (7, 11 & 13), Civil and Small Claims Suit, Real

Estate Collection

Due Diligence (FNMA & FHLMC), Note Sale, Trustee Sales,

REO liquidation, Real Estate

documents (note, deed of trust,

assignment of deed of trust), Probate Claims Procedure and D O C

delinquency reporting

requirements.

Computer/Software: Excel, Windows, Word, Golden Omega,

Loanserv,

Loanbase, ILS/Harland R/E Loan Servicing software and

Salesforce, BoA Caseload Snapshot;

NICE Call Recorder application, Unifi

Aspect/Canvas phone status and call monitor application,

ACCPAC, IDS and SBT Accounting software, fax,

scanner, copy machines, and calculator.

ADDITIONAL INFORMATION:

Language skills: Fluent in English and Tagalog

Hobbies: Golf, Guitar, Fishing and Chess.

Contact this candidate