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Product Development Management

Location:
Sorrento, Florida, 32776, United States
Posted:
November 15, 2017

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Beruyah Silas

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

Jacksonville, FL 32218

ac3br2@r.postjobfree.com

Cell: 904-***-****

Summary of Qualifications

Highly skilled in administrative tasks such as preparing and filing legal documents, handling bankruptcy

correspondence, and communicating with bankruptcy courts, trustees and attorneys. Origination mortgages.

Subject matter expert knowledge of both federal and state statutes regarding bankruptcy

Areas of Expertise

Strategic Planning

Marketing Analysis

Large Volume Sales

Leadership

Product Development

Flexible Team Member

Detailed-Oriented

Multi-task

Effective Communicator

Professional Experience

Contemporary Staffing (PNC Bank) Jacksonville, FL 04/16-10/17

QC Analyst II

Ensure all departments in originations are in compliance with federal and state compliance guidelines along with mitigation risk. The Compliance Review includes the complete review of all federal and state compliance documents, including a re-calculation of the Truth-in-Lending statements. Other audit steps, such as a High-Cost Loan Analysis, LTV, Vesting, final figures on CD, Trust documents, Wire amount, correct information entered in the system with supporting/matching documentation. Full-Scope Servicing QC covers all operational servicing areas for compliance with Fannie Mae, Freddie Mac, FHA, VA guidelines and federal regulations implemented from loan officer to post closing. Convey finding to management to make sure errors are corrected in a timely manner.

Digital Risk (US Bank) Jacksonville, FL 07/15- 01/16

QC Analyst II

Responsible for completing a comprehensive audit checklist that complies with quality control guidelines set forth by FNMA, FHLMC, HUD,VA and Rural Housing. Tailor a quality control checklist to include any special documentation that is unique to the business. Mortgage loan audits include a re-verification of credit documents, ordering of credit reports and field appraisals, and a thorough review of the underwriting decision and supporting documentation. We also undertake a thorough examination of all closing documents, including a re-calculation of the Final Truth-in-Lending Statement and a desk review of all appraisals. Our Reports Package includes an executive summary along with detail sections to provide you the information you need to properly evaluate your mortgage loan origination process. The Findings Section of our Reports Package is divided into three groups: All Document Findings, Loan Document Findings and Compliance Document Findings. Each group sorts the findings by office, origination process, loan type, severity and frequency. Convey with management deficiency to resolve.

Axelon (Bank of America) Jacksonville, FL 04/13-05/14

QC Analyst for Bankruptcy

Responsible for servicing mortgage accounts to ensure the bankruptcy procedure was processed in compliance with all state and federal laws while maintaining compliance with investors, insurers, agencies and company guidelines. Performed end to end processes. Conducted a complete review of the bankruptcy file to ensure all default time frames were met. Requested and reviewed all updated documentation from investors, insurers, and agencies to ensure compliance. Managed bankruptcy proceedings on assigned cases by interacting and instructing various parties such as attorneys, investors, insurers, trustees, appraisers and other parties involved with the bankruptcy. Monitored the attorney’s performance by reviewing all. proceedings, records and timeframes. Audited all bankruptcy accounts for payment compliance and ensured proper application to system of record. Inform management to discuss findings.

Homeward Residential Jacksonville, FL 11/10-04/13

QC Analyst II

Responsible for reviewing calls and procedures with employees who were in direct contact to the borrower. To assure that the relationships with partner, firms and customers to was a positive one within guidelines. Maximize value of business. Knowledgeable about a customer’s business and plans for the future, as well as the customer’s borrowing needs and ability to repay debt would go over that with employee. Established and negotiated within loan policy and procedures the terms under which credit would be extended to qualified customers including interest rate, repayment method, and collateral requirements. Implemented aggressive strategies designed to help customers who were 60+ days past due. Utilized the entire scope of all scenarios to avoid foreclosures. Provided leadership and acted as a role model for staff and provided excellent customer care at all times. Performed as subject matter expert for default loans. Verified programs met compliance servicing QC. An in-depth review of all investor loss mitigation programs including HAMP, HAFA, GSE proprietary modifications, short sales and deed-in-lieu to measure compliance with all program specific procedures and documentation requirements.

JPM Chase & Co Jacksonville, FL 10/09-11/10

Sr. Operations Specialist/QC Analyst II

Responsible for Quality Compliance over department foreclosure proceedings. Ensured proper legal documents were sent to borrowers in foreclosure. Accessed daily deficiency reports. Managed reports of Not Yet Referred loans and the Timeliness of defaulted loans for all chase entities. Monitored the quality performance of an off-shore vendor and responded to their inquiries as they were received. Demonstrated knowledge of loan service industry in areas of investor, insurer, regulatory, and state servicing requirements; remedies available for specific loan types; and real estate fundamentals. Served as a subject matter expert by answering internal/external questions related to Demand letters. Responded to and resolves escalations. Cross Trained in Pre-Sale Foreclosure. Capable of performing all functions of the production associates.

Citigroup Jacksonville, FL 09/05-09/09

Senior Collector/QA of Collections

Handled inbound and outbound phone calls on auto dialer. Primary duties and responsibilities were to analyze the customer problems. Educated the customer on consequences of collections events. Negotiated and educated the customer to resolve delinquency and prevent reoccurring delinquency. Utilized research skills (skip tracing) to develop contacts. Ability to share techniques and assisted less experienced collectors with side by sides. Explained credit line increase and decrease status. Set up payment arrangement programs or best resolutions to allow card members to prevent debt. Maintained high score quotas while consistently coaching new associates. Identified opportunities to enhance the effectiveness of department policies and procedures. Promoted to Quality Assurance of Collections where I provide quality assurance representation, guidance and direction to product development teams for the Collections Department.

Education/Certification

QA Analyst and Software

Testing N2 Service Inc. 2017

Business Analyst Jacksonville, Florida

Florida Notary Service State of Florida 2013

Jacksonville, Florida

Computer Literacy and QEOC 2002

Business Application Jamaica, New York

Applications/Operating Systems

Process Management, Aspect, Empower, Open Client, FICS, DU, and LOS Knowledge of Fidelity (aka: MSP, LPS, and Director), CCW, DRI, ER, EMC, Ivault, PeopleSoft, Process Managements (Newtrak) systems, Pacer, Policy and Procedures, iPortal, LHIS, CMS, AACER, Doc V, Net O, TRID, Lotus Notes, Citrix, Web Direct, Servicelink, First American, Impact, Workflow, Real EC, Value Finder, Black Knight, AS400, CRM, SRM, BAPS, Cash Management, BankÆs Customer Relationship Management Advance Knowledge of Microsoft applications, with the ability to learn new technology, along with software quickly.

Taken a series of CIB’s and training courses to become more proficient in position. Credit Signer Courses, 8 MBA courses in Bankruptcy Essentials, Escrow Essentials, Insurance Servicing, Fraud Detection for Mortgage Servicers, Loss Mitigation, Understanding Truth in Lending, Extensive knowledge of all aspects of mortgage servicing, origination and default, Strong working knowledge of the following Default areas: Bankruptcy, Foreclosure, Default Accounting Claims, Collections, Loss Mitigation, Default Cash, Default Reporting, SCRA (across all investors)



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