Data Entry Loss Mitigation

I am an accomplished and motivated leader with years of experience which allowed me to cultivate a successful

and prosperous career. I have a proactive, hands-on approach which reflects a record of being a decisive, ground-breaking.

and results-oriented professional. I exercise a meticulous and methodical approach to my

work and I have the ability to take companies to a higher level of success. I am willing to provide my knowledge and

experience within a well-established company and I am confident I will be a powerful addition to your organization.

PNC BANK -Remote- 2022-2023 ACH Payment Supervisor

All ACH transactions, 8 different platforms for wire and TM communication,10 direct reports, nacha edits and policies, wire platform monies approval, policy updates. Schedule and approve payroll, set goals for each employee. Money wire escalation, projects to enhance the ACH process, daily reporting, clearing any wire errors. Knowledge of 12 clearinghouse platforms, and Acis platforms. Approval and denial client wires- TMO client management. Nacha clearing house process, expedite clearing 1 billion dollars a day to the client. Manage all escalation and compliance issues, review and adhere to all regulation and compliance processes. Review and update the ACH overall processes and reduce the unnecessary steps.

Managing risk factor and improving customer service-related issues.

FLAGSTAR BANK (TROY, MI) 2021-2022

ESCALATION MANAGEMENT TEAM

Revamped the title process and wrote title procedure analyzation, created new report with First American to ensure vesting accuracy and senior lien issues, created policy and procedures for Loss Mitigation, MSP knowledge platforms, LMU platforms, VA Linc access, SMDU, WP, Xome, BP, and Fraud Guard-Neighborhood Watch.

Provide support for 14 underwriters from data entry errors to closing issues, assign files to underwriters, and gather documents for closing. Gather DSO order notes and other missing documents.

Strong decision maker on everything from underwriting problems to exceptions from policy in order to send out documents in a timely fashion.

Rewrote the loss mitigation policies and procedures for the operations of default servicing.

Rewrite and update for the underwriters all policy and compliance regulations including reg z,b,n,e m, udaap. Making sure all regulation per the CFPB were updated and adhered to per the FTC.

Monitor compliance issue per file review for all underwriter and marketing team.

Making sure regulation m and n are adhered to so there were no deceptive practices exposed the public. Lowering all risk and liability to the company.

FREDDIE MAC (MCLEAN, VA) 2013-2020

MASTER COMMUNICATION SPECIALIST

Projects included bankruptcies and foreclosures, litigating aged file rejections, modifying reject solutions, and working on portfolio strategies. Practiced litigation file solutions, oversaw rejected modification solution analysis, produced risk, retention, and liquidation analyses.

Responsible for managing 50 loss mitigation servicers. Global reports, pivot tables and power point presentations, training.

Reported to and discussed trends with the servicer managing calls staff, analyzed systems processes to improve efficiency in the overall mission goals.

Reported to senior executives on performance, created action plans with the goal of increasing pull through percentages.

Managed the training, coaching, and monitoring of subordinate services to maximize potential professional growth and efficiency.

Monitored monthly reports and trending analysis to advise my team which produced solutions that reached optimal goals.

Provided leadership for the team to increase breakthrough, settlement, and lower delinquency ratios.

Analyzed all processes to produce prompt and effective results.

Fielded inquiries from colleagues, clients, and stakeholders as a system specialist.

Tested numerous project platforms to ensure accurate functions. Rewrite and update for the underwriters all policy and compliance regulations including reg z,b,n,e m, udaap. Making sure all regulations per the CFPB were updated and adhered to per the FTC.

Monitor compliance issue per a file review for all production files and regulatory standards and marketing team.

Review regulation procedures to make sure we maintain client trust and lower all risk or liability issues for the company.

FREDDIE MAC (MCLEAN, VA) 2010-2013

SENIOR ANALYST

Advised executive management in major investor portfolios, repayment trends, retention analysis and retention default.

Responsible for authoring new guideline policies for retention programs and repayment plan analysis reports which were.

published in the Freddie Mac annual report. Authored “Mac Portal Procedures,” a user’s guide for ordering new software.

platforms for daily production.

Created a new formula to calculate repayment plans for the “Servicer Guide.”

Designed new HAMP procedure processes and implemented default analysis, REO rollbacks, and liquidation procedures.

Assessed high profile investor portfolios to minimize risk.

Reviewed assumption workout qualifications in order to protect investors from excessive risk and evaluated settlement procedure guidelines to ensure compliance with all current federal banks and banking regulations, Update regulation annually per CFPB updates. Reg z,e,b udaap,n aandm.

Used six sigma controls with contribution assessments/default procedure analysis, and SAI implementation.

JP MORGAN CHASE (MILWAUKEE, WI), 2009-2009

SHORT SALE/MODIFICATION/LIQUIDATION NEGOTIATOR.

Responsible for facilitating foreclosure procedures, attorney contacts, risk analysis, loan processing, underwriting, and fraud analysis.

Responsibilities included servicing short sales within Fannie Mae and Freddie Mac parameters, supporting broker price

opinion assessments and negotiating purchase prices; also responsible for examining titles, maintaining compliance,

negotiating broker price and promissory notes for investors and completing pre-post-closings.

Evaluated quality control, six sigma processes, and assessed qualification for HAFA. Performed analytical reviews, mortgage insurance guidelines, closing procedures, and cost benefit analysis. Gauged loss acceptance, net requirements, income calculation, debt analysis, portfolio management, credit analysis, debt review, training, overall risk evaluation, compliance with B to Z regulations, and foreclosure review.

Rewrite and update for the underwriters all policy and compliance regulations including reg z,b,n,e m, udaaap policies. Making sure all regulations per the CFPB were updated and adhered to per the FTC.

Monitor compliance issue per file review for all underwriter and marketing team.

Making sure regulation m and n are adhered to so there were no deceptive practices to the public.

Review regulation procedures to make sure we maintain client trust and lower risk or liability issues for the company.

MORTGAGE BY OWNER, (MEMPHIS, TN), 2000-2010

PRESIDENT/EQUITY PARNER/FOUNDER

Established a ten-year record of significant personal, professional, and managerial growth as a leader, pioneer, and top producer.

Developed and maintaining networks of contacts for “A-D” paper loans including realtors, brokers, and builders.

Communicated and negotiated in order to qualify and close conventional, FHA, VA, and special program loans while consulting, researching, and gathering information for underwriting.

Developed and organized electronic/database information on sales and in-progress mortgage activity.

Responsible for budgeting, planning, marketing, and operating building and managing portfolios.

Rewrite and update for the underwriters all policy and compliance regulations including reg z,b,n,e m, udaaap. Making sure all regulation per the CFPB were updated and adhered to per the FTC.

Monitor compliance issue per a file review for all underwriter and marketing team.

Review all regulatory guidelines for 1000 files per year, reviewing each and every file looking for any violations.

Write any marking material and review in order to maintain and liability and lower risk for the company.

Write all marketing material and make sure there were no udaap regulations, m or n issues.

NEW HORIZON CONSTRUCTION. (WEST PALM BEACH, 1980-1999

New Horizons Construction Inc. (West Palm Beach, FL), General Manager/Equity

Partner/Founder directing the start-up and growth of a design and construction services firm.

specializing in residential markets, February 1980 to March 1999. Supervising over 150

employees. Forecasting and regression analysis. Building and structuring all initial business

systems and closely monitoring projects to ensure profitability. Managing 70 units and

collecting rents. Supervising construction phases involving site preparation, collaboration with

architects to discuss changes, coordination/negotiation with subcontractors, materials.

coordination, quality control, inspections, training/operations, coordination of bidding

processes, and oversight of all code inspections.

Responsible that all OSHA guidelines were in place for each building project.

Worked with OSHA to make sure the company was updated and enforced all OSHA updates.

Supervised over 700 projects from Palm Beach homes to high rise structures.

Wrote all safety and Osha compliance policies updates in a handbook for all employees.

In 10 years, no Osha violations were noted in 10 years.

EDUCATIONAL BACKGROUND

M.B.A. Business Entrepreneurship, NOVA Southeastern University, Fort Lauderdale, FL

B.A., Business, Barry University, Orlando, FL

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