Veronica Garcia
**** ***** **** **. ******** Hills TX 76118 682-***-**** ********@*****.***
PROFESSIONAL SUMMARY
Account manager with over 17 years of experience in Cost Repair Analysis, Customer Service, Mortgage, and Account Management. Specializing in Property Preservation, Evictions, Hazard Insurance repairs, Quality Control, Accounts Payable, Invoice Management and FHA/HUD/FHLMC/FNMA/VA requirements. Seeking a position in an environment that will challenge further; while allowing to contribute to the growth and success of this organization.
Account Manager- Safeguard Properties August 2022- June 2024- Remote
● Management of quality, compliance and cash flow for portfolios of over 200 loans per client
● Lead contact of up to 6 different Bank portfolios with each having 3-4 personals under them.
● Making decisions for maintaining loan portfolios while adhering to client and investor requirements for pricing and task execution.
● Conducting client calls that are on scheduled cadence and those that come up unscheduled.
● Creating spreadsheets/ Power Points that compose all of loan information and making sure it has the most up to date and accurate information.
● Analyzing loans for any possible claim needs or extension submission through Yardi.
● Reviewed loan histories and created chronology of notes hitting important milestones to support loan conditions and take actions.
● Reviewed, worked and made prompt decisions on 200 loans per week or more and Conveyed/closed on 35-40 loans per month.
● Worked hand in hand with the city officials throughout the USA to remove or negotiate cost of remediating violations
● Complete loss analysis at a high level to determine best liquidation strategy. Consideration given to Conveyance repairs, UPB to current market value
Associate III Shared Services – Property Preservation/Shared Services PNMAC Oct 2018 – August 2022 Ft. Worth Texas
● Audited VA, FHLMA, CONV and FHA past due loans for vendor, client or company liability.
● Created and maintained reporting regarding audit findings and report up to the leadership team
● Training associates on FHA portfolios and assisting in organizing their work flow
● Managed over 400 loans to meet conveyance timeframes of less than 30 days
● Main point of contact for HUD relating to extensions. Completed loan reviews and submitted extension requests to HUD for approval as well as submitted extension denials with a success rate of 95%.
● Managing monetary losses and tracking chargebacks with over $400,000 in cooperated money.
● Conducted weekly meetings for the current month of conveyances with Sr. Property Preservation Leadership
● Department Liaison for all vendors to track code violations to review for escalated violations
● Responsible for the review and approval of invoices through Invoice Management system, invoice research and escalate invoice issues directly to the management team
● Calculate reinstatement quotes, obtain fees from outside business partners to accurately complete a customer reinstating or payoff quote
● Coordinate monthly credit reporting and borrower credit reporting inquiries
● Managed a portfolio of over 250 loans Pre- Sale,60 Day to sale, Post Sale to conveyance, reviewing/auditing Vendors progress, all preservation and inspection orders to ensure the Vendors are compliant with HUD and state regulations
● Reviewed damaged properties for Hazard Claim needs. Reviewed EOB’s as settled and appealed amount if required.
● Review and approve/deny bids from the contractors to determine if any potential neglect has taken place PROPERTY PRESERVATION POST SALE; MB FIELD SERVICES, INC. AUG 2017 – SEPT 2018 ATLANTA, GA
● Managed a portfolio 300-400 post-sale loans-responsible for placing them in conveyance condition and managed all bids submitted via contractors.
● Worked with senior leaders in development of policies and procedures around scope of support for the department, including but not limited to up-to-date procedural changes in the industry, bid submissions, client interface and field initiatives
● Effective communication to relay verbal and written correspondence for team, management, external client, and investors
● Recruited, Hired,& Managed, over 50 Preservation vendors to HUD Guidelines
● Conducted monthly audits on vendor’s bids to ensure if any appeals can be completed
● Held Vendor weekly meetings for outstanding work orders for conveyance repairs SUPERVISOR FOR PROPERTY PRESERVATION DEPT MORTGAGE SPECIALIST INTL OCT 2010– AUG 2017 HURST TEXAS
● Managed reports for a staff of 15-20 to ensure correct submissions were inputted for HUD approval
● Worked with senior leaders in development of policies and procedures around scope of support for the department, including but not limited to up-to-date procedural changes in the industry, bid submissions, client interface and field initiatives
● Adjusted job assignments and schedules to keep pace with business need
● Conducted interviews for potential new hires, completed yearly reviews and created plans for improvement according to each individual’s performance.
● Created training modules, newsletters and implemented training for contractors through live webinars to ensure everyone was up to date on HUD/ client and state requirements. Skills
Risk and Financial Management, Regulatory Compliance, Portfolio Management, Microsoft Office Tools, MSP, FHA Connection, SharePoint, P260, Property Preservation, Blue Book, Xactimate, Home Tracker, Black Knight, Auction.com, OJT Certified, Sales Force, Dimont, Sterling, strong communication skills, Bilingual. 2