Tina Harris

Phone: 940-***-**** Email: acxnps@r.postjobfree.com

Address: **** ******* *****, **. *****, TX 76137

Loss Mitigation

Strategic Planning Team Leadership Regulatory Compliance Internal Audits

Executive Summary

V

isionary and highly versatile Loss Mitigation Executive with over 14 years of successful experience leading teams in risk-based and operational audits while conducting critical analysis to ensure compliance and top performance. Adept at devising tactical plans for audit engagements, providing careful formulation of investor approvals and denials, and monitoring corrective action plans to ensure complete customer satisfaction. Committed individual with strong attention to detail and team management

Loss Mitigation/Auditing

Performance Evaluation

Resource Management

Staff Training/Supervision

Financial Modeling/Forecasting

Report Writing/Presentations

Regulatory Compliance

Vendor Contract Negotiation

Program Development

Process Improvement

Portfolio Performance Analysis

Project Coordination

Investor Approval/Denial

Financial Data Analysis

Team Building/Leadership

Strategic/Tactical Planning

Loan Review/Legal Feedback

Bankruptcy/Foreclosure/REO

Career Overview

Ditech, Fort Worth, TX Feb. 2013 – Present

Director, Default Services Loss Mitigation

Responsible for providing response and resolution for customers regarding regulatory and governmental complaints following regulatory and bank standards while managing a team of 25 professionals and 3 supervisors.

Hold weekly meetings to present information and respond to questions from groups of managers and coworkers, as well as write reports/correspondence and initiate programs to reduce audit risk.

Review loss mitigation alternatives and submit to FNMA for additional approvals.

Oversee bankruptcy/loss mitigation team to help maintain compliance with the courts.

Accenture, San Antonio, TX Mar. 2012 – Jan. 2013

Loss Mitigation Manager

Held accountable for managing a team of 99 loss mitigation professionals.

Spearheaded cross-functional initiative to achieve FNMA and BAC goals defined strategy and business plan for the Loss Mitigation Department.

Managed 2 projects to help boost employee morale which resulted in higher quality service.

Capital One, Plano, TX Jul. 2009 – Feb. 2012

Loss Mitigation Hamp/Comp Manager/Loss Mitigation Collections Supervisor

Created and moved the GSE modification team from Laurel MD to Plano TX and ensured quarterly FNMA goals were met and built the Loss Mitigation Department from the ground up.

Trained 21 specialists on the GSE guidelines, interviewed and hired new reps, and provided coaching, monitoring, and reports for investors.

Developed and implemented a strategy to ensure internal audits met and exceeded each month which included OCC, E&Y and CFPB.

Career Overview (Continued)

MOS/MGIC, Ft. Worth, TX Apr. 2008 – Jul. 2009

Loss Mitigation Quality Coach/Auditor

Helped create the quality control guidelines for new call centers in VA and in CA.

Monitored loss mitigation reps to help improve their call status.

Created reports for the Senior Vice President on a monthly basis to highlight the concerns that would need to be addressed.

Work with MGIC/Mortgage Company on approvals for Short Sales, DILs and Modifications.

Participated in meetings with management on process improvements and requirements of MGIC.

Worked directly for the SVP on all matters.

Homecomings Financial/GMAC, Dallas, TX Nov. 2006 – Apr. 2008

Loss Mitigation Specialist/Loan Counselor

Worked on a specialized team for one investor, handling short sales, DILs, repays, mods, and charge offs on accounts that were from zero days due through foreclosure.

Placed files on hold via NewTrak and utilized other systems such as Fiserv/MtgServ, FIS, and Heat.

Assisted and counseled customers, work on liens, reviewed credit reports, and trained new hires.

Saxon Mortgage, Ft. Worth, TX Jan. 2006 – Nov. 2006

Loss Mitigation Specialist

Handled accounts that were 61 days or more delinquent including accounts that were in Foreclosure.

Setup repay plans, discussed loss mitigation options, and reviewed accounts.

EMC Mortgage May 2001 – May 2005

Loss Mitigation Assistance Supervisor

Discussed loss mitigation options with borrowers in foreclosure.

Assigned to work FHA loans due to the special requirements of FHA.

Handle escalated calls when the supervisors are unavailable.

Education & Credentials

FDCPA GSE Hamp modification GSE Short Sales HSSN SCRA

High School Diploma

Awards & Honors

2011 Successfully grew business by achieving FNMA #1 Star Servicer

2011 Circle of Excellence Winner

2013 FNMA 4 Star

2014 FNMA 5 Star

Initiated OCC STRUCTURE which resulted in a satisfactory rating

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