George Ciran

Credit and Collections / Loss Mitigation / Escalations

Bensenville, IL

ac6nil@r.postjobfree.com

630-***-****

I just moved back to IL from AZ and looking for an immediate opening in credit and collections, mortgage fraud, loss mitigation, or litigation/dispute management.

Authorized to work in the US for any employer

Work Experience

Contract Credit and Collections Manager and Due Diligence Underwriter Contractor

Glacier Consulting / AMC Mortgage Consultants - Dallas, TX

October 2017 to Present

• Motivated and managed a team of 15 Quality Credit and Collection representatives that reviewed funded loans that have gone delinquent and have been in bankruptcy, foreclosure/contested foreclosure, or REO; that have been credit reviewed and re-underwritten by a team of specialized reviewers for purchase. • Insured all correct dates and comments were captured, steps in foreclosure, bankruptcy, and report timeline, claims or court delays, or if fraud was involved. • Performed monthly underwriting reviews for loans in default, to determine if the loan was eligible for repurchase, or sale on the secondary market. • Team researched and reviewed residential mortgage loan files to determine credit worthiness, origination errors, incomplete and/or missing documentation, miscalculation, misrepresentation and possible fraud. • Responsible for monthly employee reviews; account audits and written claims. Skills: Default Review, LPS, Black Knight, experience in 50 states

• Contract Default Credit and Collections Manager and Due Diligence Underwriter Contractor

Morgan Stanley Capital / JCIII and Associates – Boca Raton, FL, Houston, TX, and Chicago, IL

Intermittent Contractor – August 2015 to March 2017 and December 2002 to February 2009

• Contract work was not completed incongruous with full-time positions.

Loss Mitigation Department Manager

Ditech Financial Services, LLC - Phoenix, AZ

March 2017 to October 2017

• Managed the Loss Mitigation Conversion Assistance Team (LMCAT), the escalated litigation/contested foreclosure team, the escalated complaint/inquiry team. • Ensured the LMCAT representatives managed the boarding, de-boarding of any accounts that were service transferred as a modification-in-flight, or a contested foreclosure. • Ensured the escalated litigation/contested team handled all accounts that Ditech was being sued on, but maintaining in constant contact with Ditech's legal department and external counsel. • Managed a team of escalations representation that wrote a written response for Qualified Written Requests, Notice of Error, or an inquiry from a borrower that has a complaint/inquiry for an account that may have been turned down for a loan modification (filing an appeal to the denial), what the delay was for the borrower not receiving their permanent modification agreement, for a credit denial, or misapplication of payment. Once letter has been completed; it would need to proofread, by management, to ensure all aspects of the complaint/inquiry have been addressed. Representatives would ensure all issues were resolved. • Started with over 300 complaint/inquiry's, Ditech was down to 20+. Skills: experience with Legal, MSP/Black Knight, JIRA, Fortrac, GTA, LMSS

Loss Mitigation Supervisor

Dovenmuehle Mortgage Inc - Lake Zurich, IL

June 2014 to August 2015

• Supervised a team of 30+ SPOC representatives handling inbound/outbound calls, collecting and processing required documentation to complete loss mitigation packages. • Managed using daily task, KPI reports to track employee productivity and findings. • Coached and trained individuals on loss mitigation processes and procedure according to state, federal, and CFPB guidelines. • Supervised mail by ensuring inbound mail, email, and proxies were within daily compliance. Skills: CFPB, SPOC, Black Knight

SPOC Manager

HSBC - Elmhurst, IL

March 2011 to June 2014

• Manage a team of 12-15 SPOC certified collectors handling inbound/outbound loss mitigation and foreclosure calls. Monitored task, step, and KPI reports that were created daily to ensure timely results and past due steps, and template steps. • Mentor and coach employees daily by maintaining a solid work ethic, and floor presence. • Responsible for monthly development plans, call calibrations, call monitors, account reviews. • Manage aspects of a call model; insuring compliance with policies and FDCPA. Skills: DAVOX Dialer, SPOC, Black Knight

External Auditor

Federal Home Loan Banks Office of Finance - Chicago, IL

February 2009 to March 2011

• Audited pledged loans for draws taken by FDIC insured banks to ensure credit and collateral eligibility and Federal compliance. • Insured pledged loans meet FHLB guidelines to be eligible for pledge. • Completed audits for 100 banks yearly and renegotiated bank discounts and guidelines based on audit and results. Skills: Auditing, Travel

Loss Mitigation / Foreclosure Manager

Household Finance Ltd - Brandon, FL

March 1998 to November 2002

• Successfully planned and divided default servicing into two separate departments - loss mitigation and foreclosure, and successfully ran the loss mitigation department. • Reviewed and approved all forbearance plans, modifications, deed in lieu of foreclosure, note sales, short sales and all transfers to REO.

Education

Most graduate work completed in Finance

University of Tampa

2001 to 2002

Bachelor's Degree in Finance and Economics

Illinois State University

1994 to 1998

Skills

Underwriting, Fraud, Mortgage Loan Servicing, Due Diligence, Management, Collections, FHA, FNMA, FHLMC, Black Knight, Private Equity, Microsoft Office (15+ years)

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