Quality Control Loss Mitigation

VANETTE (MARIE) LEWIS

Crossroads, TX ***** 414-***-**** *****.******@**.***

QUALITY CONTROL ANALYST/ SPECIALIST III REPORTING

Compliance • Production Support • Quality Assurance • Data / Risk Analysis / Research • Job Aid D1042991161

Pipeline Management • Change Management • SQL • Analytical Tools - Pivot Table.

PROFESSIONAL EXPERIENCE

Shellpoint Mortgage Servicing – Remote May 2020 – Current

Loss Mitigation Quality Specialist

Preform accurate and timely review/audits of critical Loss Mitigation processes. Use manual and automated calling strategies to locate and contact delinquent homeowners; analyze their financial information and identify their issues; Set up customized payment solutions that cure their delinquent, as governed by investors of the clients and the company.

Contact homeowners by mail or phone; increase contact frequency as delinquency increases to negotiate with borrowers and investors in an attempt to resolve at risk mortgages.

Engage in efforts to help prevent foreclosure through loan forbearance, modifications, repayment plans, short sales or Deed in Lieu.

Maintain updated loan files to ensure a comprehensive record of every homeowners account activity.

Work with property inspectors, appraisers, real estate agents, etc.; arrange inspection or evaluation services.

Review homeowner financial records (income documents, profit and loss, bank statements, tax returns, credit reports, etc.) to determine the best loss mitigation solution for them.

Review and negotiate liens and judgments to help clear the title and protect the homeowner and investor.

Hyland Onbase software (document imaging system)

Amazon Fulfillment Sort Center – Irving TX May 2018 – January 2020

Sort and scan packages, problem solve, replace mailing labels, repackage, damage out package

J. P. Morgan Chase - Lewisville, TX June 2018 – August 2019

Quality Control Analyst/Specialist III (Reporting) Loss Mitigation

Ran Exception Reports and performed data analysis to discover and rectify errors not identified and reported by Quality Control representatives. The report findings were shared with management of various LOB via conference calls. Implemented Control Measures to avoid future risks.

Provided meaningful Excel Spreadsheets per QC Support Group LOB requests.

Pipeline Management – Used data analytics skills to provide accurate QC production numbers and statuses of review types to the LOB by using Microsoft Excel and PowerPoint. Accessed systems such as Data Workflow, Infosource, MBWS, SharePoint, ACES, and Servicing & Reporting Analytics system. Helped company to achieve 100 percent SLA (Service Level Agreement) adherence to avoid penalties.

Analyzed and identified potential or innovative solutions to document deficiencies which helped improve business processes. Used Pivot Table function to filter and identify wrong accounts or information in ACES System tables.

SQL language in Microsoft Access to extract needed data from the ACES (Scorecard database) system and Oracle Toad system and exported into Microsoft Excel to be analyzed.

Wrote and managed assigned QC Policies and Procedures to adhere to Investor Guidelines and Government Regulations. Kept track of updates of procedure change requests submitted through JIRA system. Change Management for policy and procedures for various line of business.

Achieved audit reediness for QC department by performing and managing Quarterly UAT.

Creative Thinker, Decisive, Energetic, Team Leader. Ability to multi-task and manage multiple projects.

Quality Analyst / Specialist III (Production Support) Loss Mitigation May 2016 – May 2018

Reviewed all loan underwriting and modifications documentation to ensure compliance with investor requirements.

Applied knowledge of mortgage servicing process and/or Chase credit underwriting guidelines.

Analyzed financial information, including calculation of income and debt ratios, verification of assets, collateral review, and credit report from Experian and Equifax. Achieved work goals for productivity, quality and turn time.

Review and analyze customer assistance specialist (CAS), or Dialer recommendations to opt-out the borrower for all mortgage assistance.

Reviewed opt-out loans for government default and imminent default for VA, FHA, USDA, Fannie, Freddie, Home mortgage loans.

Resolved difficult and challenging problems by identifying potential or innovative solutions, determines documentation deficiencies within review and communicates findings with clarity.

Validated verbal opt-outs by listening to either the inbound or outbound calls between the agent and/or the borrow/representative thru the NICE system.

Finalized the approval of the Opt-out process thru various computer system and when applicable, manual OP888 letter and FDD letter thru InfoSource and AD system.

Have a highly developed verbal and written communication skills as well as excellent teamwork.

Processed Incomplete Applications loans DEN777. Confirm thru the letter sent to the borrower and the documents in Lenderlive that the documents that were requested and needed to proceed with the Mortgage assistant application were not received causing the application to be incomplete.

Processed Pre-Foreclosure loans. Use the Pre-Foreclosure Historical Date SharePoint that retrieved the loans. Retrieved the 10% of the loans thru Chase approved UAT Randomizer Tool.

Quality Specialist III Loss Mitigation April 2010 – April 2016

Reviewed all loan underwriting and modifications documentation to ensure compliance with investor requirements. Applied knowledge of mortgage servicing process and/or Chase credit underwriting guidelines. Analyzed financial information, including calculation of income and debt ratios, verification of assets, collateral review, and credit report from Experian and Equifax.

Ensure UW/CAS received the accurate and timely documents before the Mortgage Loan was closed.

Reviewed loans modifications for government default and imminent default for VA, FHA, USDA, Fannie, Freddie, Home mortgage loans. Analyze delinquency escrow, flood hazard, HOA insurance, assets and borrower hardship letters, review housing expenses and determine proper resolution.

Analyzed delinquency, perform escrow analysis, analyze modification scenarios and proposals and recommend appropriate loan workout.

Maintained timely and accurate database maintenance as well as updating and correcting all related systems. As well as maintaining up-to-date knowledge of relevant default practices effecting loan servicing decision. Achieved work goals for productivity, quality and turn time.

Communicated between borrower, underwriter to ensure borrower provided accurate and current information, as well as borrower attempting to enter into modification, foreclosure, Deed in Lieu or short sale process.

Robert Half International/Wells Fargo – Milwaukee, WI January 2010 – April 2010

Home Mortgage Negotiator

Contacted homeowner or the authorized third party to negotiate the short sell of the property. Gathered documents and create a paperless file. Monitored files for foreclosure sale.

Determined to postpone or hold the sale of the property.

Determined to approve or remove files from the short sale process. Various external and internal customer service.

Northwestern Mutual Insurance Company – Milwaukee, WI October 2008 – January 2010

Annuity Customer Service

Supported the Annuity Call Center incoming line, for third party calls. Mailed appropriate letters to annuity owners based on tax market.

Requested the status of the surrender request for funds. Sorted and assigned mail to the appropriate specialty unit.

ADDITIONAL EXPERIENCE

Wausau/Liberty Mutual Insurance Company – Milwaukee, WI - Claims Representative (Senior)

EDUCATION

Concordia University of Wisconsin-Mequon, Bachelor of Arts - Management and Communications – Cum Laude Honors

TECHNICAL SKILLS

Microsoft Office, Microsoft Excel, Microsoft Outlook, Power Point, SQL, JIRA, Excel Spread Sheet, Pivot Data, Hyland OnBase Software, Database applications and Agile Fundamentals Courses.

Contact this candidate