Tischina Brooks

Location: Mansfield, TX

(Comfortable to work onsite at Irving, TX in a hybrid model)

Summary:

Demonstrated expertise in overseeing foreclosure processes, reviewing diverse property-related documents, and independently conducting comprehensive reviews of complex real estate loans, ensuring compliance with regulatory requirements and timely resolution.

Proficient in handling Home Equity Line of Credit (HELOC) processes from origination to servicing.

Monitored and resolved foreclosure matters with vendors to ensure timely completion.

Reviewed various documents related to the sale of foreclosed properties, including liens, inspection reports, appraisals, and insurance policies.

Demonstrated knowledge of banking industry rules, regulations, and government guidelines pertaining to foreclosures.

Proven ability as a strong problem solver with a calm and positive attitude.

Conducted daily reviews of tasks to ensure compliance with company timelines.

Monitored and ensured progress, meeting deadlines for invoice approval, foreclosure referrals, breach letters, and collection letters.

Established, maintained, and updated file databases, records, and other relevant documents.

Facilitated the forwarding of complete files to appropriate departments for correct and timely handling.

Reviewed commercial and residential loan portfolios for adherence to lending regulations, compliance, and credit policies.

Ensured compliance with regulatory issues such as TRID, RESPA, FDPA, HMDA, HPML, and Regulation B.

Utilized the Jack Henry (Silverlake) imaging system to scan loan documents.

Ran reports and pulled paid-in-full loan files for the Loan Operations Team, both residential and commercial.

Independently completed reviews for complex, multiple collateral, and difficult real estate loans of large dollar amounts.

Technical Skills:

Mac/FHA/VA/Conventional

HFI

Housing and Debt Ratios

HAMP/MHA Guidelines

TRID

MSP

Black Knight

Statements & Letters

home equity

HELOC

Bankruptcy

eQMS

Short Sales

Fraud Guard

Lexis Nexus

Tax Return Analysis

Lenders Title Solutions

Certificate:

Property and Casualty Insurance License State of TN 5/2012

Education

High School from Southwest Community College.

Professional Experience:

National Bankruptcy Service, Dallas, TX 8/2023- Present

Business Analyst/Foreclosure Specialist

Responsibilities:

Monitors and resolves foreclosure matters with vendors to complete foreclosure in a timely manner.

Maintained a comprehensive overview of letter-related tasks, including reporting and requirement outlines.

Review documents related to the sale of a foreclosed property, including lines, inspection reports, appraisals, and insurance policies.

Knowledge of banking industry rules and regulations, and government regulations regarding foreclosures

Strong problem solver with a calm, positive attitude.

Reviewed tasks daily to ensure they are completed with company timelines.

Completed, monitored progress, and insured deadlines were met for invoice approval, foreclosure referrals, foreclosure breach letters and collection letters.

Successfully contributed to the overall efficiency and accuracy of borrower communications in a dynamic and multifunctional project environment.

Established, maintained, and updated file database, records and/or other documents.

Forwarded complete files to appropriate department to ensure correct and timely handling of the file.

Titan Bank, Dallas, TX 8/2022- 6/2023

Business Analyst - Loan Documentation

Responsibilities:

Reviewed commercial and residential loan portfolio to ensure adherence to lending regulations, lending compliance, and the bank's credit policy.

Conducted testing procedures to validate the effectiveness of letter configurations, ensuring optimal communication with borrowers.

Ensure compliance with regulatory issues including but not limited to TRID, RESPA, FDPA, HMDA, HPML, and Regulation B.

Played a key role in data entry tasks, contributing to the accuracy and completeness of information crucial for Statements & Letter.

Scan loan documents into imaging system Jack Henry (Silverlake).

Managed and oversaw responsibilities related to Black Knight's MSP servicing platform, including borrower communications, statement and letter deployment, and comprehensive testing processes.

Run report and pull paid in full loan files from file room for Loan Operations Team, residential and commercial.

Uses knowledge of type of loan/collateral required to determine which documents to prepare.

Complete reviews independently for complex, multiple collateral, and difficult real estate loans of large dollar amounts.

Ensures loan documents are accurate and signed accordingly, funding, and underwriting conditions are cleared prior to funding for residential and commercial loan.

Scanned and electronically archived company loan documents using EQMS systems. Like CAPA management.

First Guaranty Mortgage Corp, Plano, TX 12/2020- 8/2022

Senior Mortgage Loan Specialist

Responsibilities:

Great problem solving and critical thinking skills. Follow up with the title companies for the closing packages.

Playing a pivotal role in the analysis and mapping of data for effective letter configuration

Possess basic mortgage document knowledge to review accuracy and completeness of executed mortgage.

Collaborated closely with technology partners to address system requirements and ensure seamless integration of Statements & Letters within the overall project framework.

Problem solves and act as the liaison for errors on collateral documents or CD prior to funding with settlement agent. Communicate with the LO, processor, closer and the title company for documents needed prior to funding.

Showcasing flexibility and a holistic understanding of various functions within the Black Knight environment.

Ability to perform well in a fast paced, deadline-oriented environment.

Ability to prioritize. Knowledge of residential real estate loan products and related processing and underwriting procedures and requirements.

Understands lending documentation, internal loan processes and governmental regulations.

Rushmore Loan Management Services LLC, Farmers Branch, TX 7/2017 – 8/2020

Special Loans Auditor

Responsibilities:

Work closely with on boarding to audit various exception reports for Special Loans functions Complete tasks through completion for year-end processing readiness.

Expertise in assessing borrower eligibility and conducting thorough evaluations of property values for HELOC approvals.

Used Black Knight MSP servicing platform to board and analyze prior service r's loan data to our system. Completed tasks for loan modification booking and loan recasts.

Contributing to the efficiency of various operational functions within the Black Knight framework.

Review escrow statements, billing statements and prior servicer payment history Review/Audit of ARM Loans with upcoming change calculations.

Update Daily, Weekly and Monthly Arm changes. Identifying and deciphering prior servicer ARM data and Arm plans in comparison to ours Utilize MSP to pull passport data for service release.

Audit and correct newly acquired Arm loans through monthly Acquisitions Accurately updates modification information in the system.

Played a key role in the ICE: MSP (formerly known as Black Knight: MSP) project, specializing in Borrower Communications, Statements, and Letters.

Update Service Release checklists and management reports Schedule, update and pull system generated reports.

Utilize secured site for transmission of loan data.

Reviewed batches of data transmission for accuracy and completeness during QA checks

Initiated events (CAPA’s, change controls and complaints) in the EQMS and routes appropriately.

Newbold Advisors, Fort Worth, TX 2/2014 – 6/2017

Bankruptcy Specialist/QA Analyst/ Special Auditor

Responsibilities:

Reviewing PCNs to make sure payment changes were filed with the court and filed on time.

Making sure payments made were timely and posted to the correct account number Finished courses in Global Financial Crimes and Compliance Policies.

Knowledgeable in HELOC servicing operations, addressing customer inquiries, and providing comprehensive support throughout the loan lifecycle.

Review delinquent loans for foreclosure process and bankruptcy process. Reviewing proof of claims {POC}, APOC forms and PPFNs. Used Black Knight MSP servicing platform to add and extract data to reconcile Bankruptcy ledgers.

Performed Adequacy reviews and scheduled QA testing to determine if the lender’s interest is fully covered.

Escalated issue to internal and external parties for any issues related to REO or from the foreclosure process.

Reviewed and prepared assessments of appraisal reports for loan applications and loan servicing Followed procedures with high degree of accuracy. Gather, analyze, and deliver information in clear, concise, and meaningful format.

Ensured effective tracking and quality reporting on the status of the remediation effort. Verified and documented that vital information was correctly entered into banking system, from originated and HELOC loans.

Process all ARM loan calculations and adjustments accurately. To load and verify all ARM indexes, margins, floors, caps, and percentage points.

Performed all levels of quality control for ARM loan servicing accurately Research and complete mod tasks.

Indecomm Global Service, 8/2011 – 8/2013

Mortgage Underwriter/Conditions Specialist

Responsibilities:

Underwrite/Reviewed/Modified Freddie Mac and GSE/NON GSE HAMP loans. Meticulously reviewed and verified credit, income, employment, and identity documentation.

Verified and entered all documented. HMDA information for LARS reporting.

Calculated all sources of income, benefit, waged and self-employment as needed Read all schedules of tax returns and profit and loss statements.

Conditioned for documentation needed prior to and at closing. Daily assessment of AML and SWIFT reports for potential suspicious activity.

Reviews documents for accuracy, investor guidelines and requirements for their specific product code and verifies all loan approval conditions have been satisfied.

Coordinate loan closings/funding's with all parties involved in the transaction Assist the closing/escrow agents with any questions or problems that may arise.

Analyze GFE and all regulatory disclosures, HMDA, Fair Credit, and RESPA to ensure accuracy among all documentation to investor guidelines.

Knowledge of RESPA guidelines, mortgage disclosures, HUD's and GFE's (Good Faith Estimates) and of usage of Fraud Guard and Lexis Nexis to verify information.

Expertise in using government and non-government programs, compliance, and regulations.

Direct Auto Insurance, Memphis, TN 8/2006 – 2/2011

Insurance Provider

Responsibilities:

Ability to network and develop leads.

Used list of leads to establish contact and schedule appointments.

Customized insurance programs to suit individual customer needs.

Met with existing clients to perform annual reviews. Must conduct phone prospecting, face to face prospecting and the rough social media efforts.

Conduct sales presentation with the internet of selling an insurance product and ancillary products offered by insurance company.

Provide claim assistance by monitoring insurance claims and helping clients settle them. Acting as an intermediary between a customer and the insurance company.

Used analytical thinking skills to assess insurance policy risks and problem-solving skills to appease angry or upset customers.

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