Credit reviews, analyze financial statements, review credit reports.

N K Rath

*** ********* ***** **** ***** 972-***-****

Coppell, Texas 75019 Cell Phone 972-***-****

***************@***.***

Summary of Skills:

** + Years of Experience in Underwriting and

Customer Service.

Excellent Customer Service and Negotiation skills.

Excellent in Hiring, motivating and training employees to get the job done.

Excellent at interpreting Underwriting, Servicing & Pricing guidelines.

Familiar with, ECOA, Truth-in-Lending, HMDA, RESPA and FDCPA.

Work History:

Bank of America April 16, 2012 to Oct 31, 2013(Downsized)

Team Servicing Manager 11

Manage a Team of Associates to do QC & Underwriting of Loss

Mitigation/Loan Modification files.

Coach Associates on FHA HAMP & Waterfall guidelines.

QC files to insure that all documents collected from borrowers are valid,

especially paychecks, income tax returns, VOE's and

VOD's.

Respond to Banks Clients on a timely and Courteous basis to resolve their

issues. Provide Excellent Customer Service.

Teach Associates to review paystubs, compute income, review tax returns,

review tax transcripts, credit bureau reports and title.

Hold daily huddles to motivate associates to meet production goals and

deliver exceptional customer service.

Horace Mann Insurance Companies Sep 08 to April 2012

Senior Claims Analyst

Teaching new employees company policies, negotiation skills and provide

excellent customer service in a call center environment.

Resolve disputed liabilities & arbitration escalated to management.

Investigate and Evaluate Claims for Compliance & Fraud.

Indymac Bank October 2006 to January 2008.

Area Sales Manager

Indymac Bank was a National Lender. My responsibilities included Hiring and

Training personnel to deliver excellent customer service on all of our

products.

Do problem solving on complex Residential & Multi unit mortgage loans.

Insure our Lending & Loss Mitigation staff was in compliance with ECOA,

FDCPA and Underwriting guidelines for single family and multi unit

mortgages.

Work with BPO's for short sales or deed in lieu programs.

Handle disputes that were elevated to management level with borrowers and

vendors.

Available Mortgage Funding April 2005 to March 2006.

Regional Operations Manager

AMF was a Regional lender with intent to expand operations Nationally.

We obtained the necessary licensing for states such as Florida, Georgia,

North Carolina, South Carolina, Virginia and Tennessee.

Managed Sales & Underwriting Functions.

Hired and trained staff for a call center in Dallas & North Carolina.

Due Diligence of single family and multi unit mortgages for bulk

acquisitions.

Worked with our collections staff to resolve Foreclosure and Bankruptcies.

Fieldstone Mortgage Company Dec 2000 to

April 2005 Branch Manager.

. Joined Fieldstone Mortgage, a National Lender, in December of 2000 as

an Area Manager. Promoted to VP/Branch Manager in September 2002.

. Responsible for hiring and developing a 15 state region.

. Worked closely with my Ops Manager in hiring and training the

operations and sales staff (Underwriters, Loan Officers, Processors,

Closer and, Customer Service).

. Teach staff bank policies pertaining to underwriting, account

servicing, risk analysis, people and negotiation skills.

. Due Diligence of Single family and Multi Unit Mortgages for bulk

acquisitions.

. Complex negotiations with various investors on buy backs.

GMAC/RFC January 2000 to October 2000

Regional Manager

I was responsible for Recruiting & Training Mortgage Personnel.

Unfortunately, Homecomings acquired RMC and my unit was shut down due to

over lapping territory.

Accredited Home Lenders January 98 to December 1999

Regional Sales Manager

I was responsible for developing TX, OK & LA. I recruited and trained

operation and sales personnel (underwriters, loan officers and processors).

We originated sub-prime and Alt-A mortgages through a net work of Mortgage

Brokers, Mortgage Bankers, Community Banks & Credit Unions.

Commercial Credit Corp June 90 to January 1998

Senior Credit Branch Manager

I was responsible for hiring and training our staff to manage a Loan

Portfolio. This included fixed term + revolving credit lines.

Train and enforce FDCPA, ECOA and Truth-in-Lending guideline.

Teach Bank policies pertaining to underwriting and account servicing.

Involved in Loss Mitigation (30, 60 and 90 + delinquent account including

Foreclosures and Bankruptcies.

Due Diligence & Risk Analysis of Loan Portfolio.

BarclaysAmericanFinancial/subsidiary of Barclays Bank. Jan 1980 to May

1990

Branch Manager/District Manager.

Managed a unit that was responsible for Loss Mitigation,

Underwriting and Servicing a Large diverse loan portfolio.

I was responsible for auditing the branches for ECOA and FDCPA compliance.

Eventually, I was promoted to

District Manager and assumed responsibilities over 12 branches for all

their Sales, Underwriting, Loss Mitigation & Servicing.

Loss Mitigation for 30, 60, 90+ day delinquent accounts including

foreclosures and Bankruptcies.

Work with BPO's for short sales or deed in lieu program.

My focus was in training our sales and collections

staff to be in compliance, improve our delinquencies and charge offs.

Education: An Accounting Degree from Metropolitan State College in Denver,

Colorado.

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