Karen Houcks

ad0hxg@r.postjobfree.com

**** ********* ***** **** # ****

Grapevine, Tx 76051

720-***-****

Objective:

To secure a challenging position in a reputable organization to expand my learnings, knowledge, and skills.

Highlights:

A self-starter who can handle any task or project giving. I ask questions as needed when appropriate. I can work independently or within a team and always committed 100%. One of my best skills is sharing strong positive working ethics. I appreciate Constructive Criticism; I feel it’s a tool for improvement and always open to suggestions/idea/tips etc. I pick up and learn quickly and adapt to change without hesitation

Experience:

The Salvation Army Headquarters – Property Specialist

Dallas, Texas January 2020- Current

Responsible for all details associated with performing the processing, tracking, and researching of property records/legal documents required to facilitate the sale, purchase, or lease of assigned Salvation Army property; ensure all require information is accurately obtained and processed in a timely and effective manner in compliance with Legal and Salvation Army procedures.

Oversee projects from the Schematic phase to completion (Renovations, New Buildings. Etc.)

Submits appropriate blueprints and specification books to the Divisional Finance Board for review and recommendation for approval to the Territorial Headquarters.

Performs accounting tasks, tracking,

and maintaining of multimillion dollar projects spreadsheets, Work with Corps officers in the field, provide lease information, assist in balance of budget(s)

Monitor Insurance claims from date of loss to final payment.

Review and revise Lease agreements, and Commercial Contracts.

Make payments to vendors for corps in the Southern Territory.

Answer inbound calls from all over the southern division

Submit orders for approval for divisional finance board

Provide customer service to internal and external customers

Serves as liaison for other Divisional HQ Departments and/or Divisions seeking information regarding the sale, purchase, or lease of The Salvation Army property

Serves as Backup to the Property & HUD Specialist

Serves as the Backup to the Switchboard Operator.

Apply for exemptions with Appraisal Districts

Contact Tax Collectors for needed

Reconciliation Specialist

BDF Law Group, Addison, TX

Jan 2018– Jul 2019

Investigated discrepancies and determined if credit was needed.

Collaborated with Supervisor to reconcile variances and identify areas for cost improvement

Systemized all completed work in an organized manner for easy access.

Reconcile approximately up to a Million Dollars of Title payments daily using Excel spreadsheets.

Billed clients through varies websites LPS / Black night – Invoice Management. Back-up biller for firm’s biggest client. Achieved entering/ billed 100 invoices in

Iron Mountain Mortgage Services – Dallas, Texas

October 2019 – December 2019

Enter closing dates and other information into tracking systems.

Vanguard Emergency Management – Housing Inspector, FEMA Contactor

September 2017- November 2017

Signed up to help residents of hurricane Harvey and Irma. In this role.

Conducted standard and streamline inspections of residential properties; Inspect damages caused by natural disasters to an applicant’s home and personal property.

Preparing inspection reports, visually access damages. Build rooms with handheld computer,

Measure Rooms, access damages in crawl spaces, and provide feedback to homeowners.

Using various instruments including computer, cellular telephone, digital camera, tape measure and digital tape measure. Providing outstanding customer service to homeowners and internal personal., Reviewing and Understanding Homeowners Policy and coverage.

Provided outstanding customer service.

Pacific Union Financial, LLC – Irving, Texas April 2017 to October 06, 2017

Foreclosure Specialist II –

Conduct a complete review of the file to ensure all default time frames were processed accurately,

Maintain a portfolio of mortgage loans from cradle to grave. (Referral to Eviction) Daily communications with attorneys via email and phone to ensure current updates on all cases; updated files in MSP as well as in LPS to reflect sales, mediations, depositions, and hearings.

Ensuring investor, insurer, government agency and Pacific Union Financial guidelines are met timely.

Ensuring that exceptions are addressed in a timely manner to avoid delays in the foreclosure processes. Title issues, payment disputes, property preservation and damage issues, etc.)

Aerotek contract Services –Plano, TX January 2012 to July 2012

Office of the Comptroller of Currency (OCC)

Foreclosure Analyst-

Gather foreclosure documents review to see if homeowner was harmed by foreclosure process.

Research complexed accounts and preform complete due diligent of the foreclosure

Reported findings to management and they reported back to Promontory of the findings.

Within thirty (30) days of completing the Foreclosure Review, Promontory will prepare a written report

detailing the findings of the Foreclosure Review ("Foreclosure Review Report"). Upon completion, Promontory will simultaneously deliver the Foreclosure Report to the members of Board of Directors at the Financial Institutions.

Nationstar Mortgage, LLC –Lewisville, TX July 2012 to April 2017

Sr. Government Default Specialist-

Before working with the Government team, I worked timeline for Convention Loans. Within the Government team my duties included but not limited to:

Worked cohesively with multiple departments and managed milestones events to ensure loan process moved forward per servicing agreement,

Maintained a portfolio of foreclosure accounts.

100% on time first legal filing which saved company curtailment fees.

Analysis delinquent steps, sales results, closed accounts and acknowledged new referrals

Entered results to in FHA Yardi system

Nationstar System administrator for Yardi.

Volunteer 6 months to work with the BK team processing PPFN & PCN accounts when they needed the assistance.

Robert J. Hopp & Associates, LLC. Denver, Colorado / Dallas, Texas –February 2009 / January 2012

Foreclosure Default Specialist (Post Sale)

Responsible for all FHA / VA / and Conventional loans that have gone to foreclosure sale.

Search title records for clear and marketable title, ensure customer satisfaction by maintaining thorough knowledge of lending programs, polices, procedures, and regulatory requirements.

In take Loss Mitigation Financial information to determine of borrower was eligible for assistance.

Title searches for liens, unpaid taxes and judgments and any discrepancy with legal descriptions.

Reviewed and researched title claims and Indemnities.

Prepared investor transfer documents · Prepared all FHA and VA conveyance packages. · Contact county officials to assure on judgment or liens placed after sale.

Communicate with Management to ensure foreclosure process was within the client’s service agreements.

Maintained relationships with foreclosure processors to ensure they remain positive, deliver value, and foster a culture of collaboration.

Meinhold & Stawiarski, Cadillis LLC. Denver, Colorado -March 2000 to 2002

Merger Castle Meinhold & Stawiarski, LLC Denver, Colorado – 2002- 2009

Responsible of all FHA/ VA & Conventional Loans in the foreclosure process

My duties were in insure REO had clearance to market the property, make sure title was clear, recorded deed once recording instructions were received by client.

As a manager some of my duties were to train new employees, Perform employees monthly and annual reviews. Provide weekly reports to management of the status of the department. Managed a team of 12 employees.

Texas License Insurance Adjuster

Texas and Florida / Certified Mortgage Inspector & Certified Mortgage Inspector.

High School Graduate, Denver, Colorado

Some College

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