Stephen Broadhead

**** ******** **** *****, ******, AL 35126

678-***-**** adabmu@r.postjobfree.com

Professional Summary

Personable, detail-oriented, highly motivated, self-starter with more than 28 years of Paralegal, legal administrative, banking, and customer service experience representing many of the top mortgage lenders and servicers. Paralegal with experience in Real Estate, specifically loan document review, title review, foreclosure, bankruptcy and civil litigation as well as staff supervision and management. Proficient in maintaining and cultivating client satisfaction with attention to detail. Extensive knowledge in many industry related systems software as well as outside websites which aid in the daily processes. Positive, team-player outlook with a calm and productive attitude under stress. Expert in management, handling fee authorization, preparing reports, handling files, maintaining customer relations, and drafting legal correspondence and documents.

Professional Experience

SOUTHERN ENVIRONMENTAL LAW CENTER, Birmingham, AL

Legal and Office Assistant (02/2019-04/2019)

Maintained expense reports for myself, and senior attorneys, to include the managing attorney.

Requested and maintained office supplies needed to ensure attorneys and staff had necessary resources to complete daily work, without interruption.

Requested and maintained refreshments for clients, guests, and staff.

Maintained calendars for senior attorneys, including the managing attorney.

Reviewed, approved, and paid for office expenses, such as utilities, bar dues, expert witnesses, and other expenses as required.

Greeted guests entering the office, with a smile, and positive attitude.

Answered phone calls received through the main line and forwarded them to appropriate party within the organization.

Daily internet research of news outlets to obtain relevant articles on environmental issues. Prepared and emailed a list of articles discovered to the office, donors, and upper management.

Maintained a log detailing copier and postage machine usage.

Maintained petty cash.

Paid vendors, who did not accept the corporate credit card, from the corporate checking account.

Other office and legal duties as required.

BBVA COMPASS BANK, Birmingham, AL

Foreclosure Equity Analyst (06/2018-02/2019)

Monitored files coming from pre-foreclosure and ensure bank and legal deadlines are met.

Prepared figures to ensure 14 Day Notices of Intent to Foreclose letters are correct and sent to appropriate parties.

Prepared reinstatement and payoff figures to be sent to borrowers.

Accepted funds from borrowers, and correctly posted the funds to their accounts in order to reinstate or payoff their loans.

Prepared foreclosure referrals to send to attorneys along with the necessary supporting documentation.

Ordered Broker Price Opinions or appraisal valuations on properties in foreclosure and reviewed these documents to determine what equity may be in the properties.

Reviewed title reports provided by foreclosure attorneys to ensure the bank’s interest was protected and request necessary action to clear any title issue, if there were any.

When in doubt, used GIS Mapping software to ensure the tract or parcel of land being foreclosed matched our legal description. Mapping software was also used to ensure the parcel ID number matched our property, as well as to identify additional structures not previously included in the collateral documents.

Calculated bidding instructions using formulas created by the bank and sent to them to the attorneys handling the foreclosure.

Maintained audit files for bank audits.

After foreclosure sales, transferred files to REO Department, and deposited funds into appropriate General Ledger Accounts.

REGIONS BANK, Birmingham, AL

Pre-Foreclosure Equity Review Processor (01/2017 – 06/2018)

Maintained files coming from the Collections Department to begin the Equity Review processes.

Reviewed loan documents.

Ordered and reviewed Ownership Reports, Broker Price Opinions and, when necessary, appraisals.

When in doubt, used GIS Mapping software to ensure the tract or parcel of land being foreclosed matched our legal description. Mapping software was also used to ensure the parcel ID number matched our property, as well as to identify additional structures not previously included in the collateral documents.

Triaged files to assure that all the necessary documentation and information had been collected and entered into Vendorscape, (client’s proprietary system), for the Equity Review processors to process. The type of documents that were pulled and reviewed were property values, title reports, bankruptcy checks, SCRA reports, credit reports, etc.

Updated Vendorscape with dates, notes, and documents.

Placed blocks on files coming from collections to ensure partial payments were not made once a loan was sent to foreclosure.

Requested breach letters on files in states, where necessary.

Placed the correct legal statuses on accounts, to ensure other bank associates could determine at what stage of the process a file was being worked.

Prepared and sent the statutorily required Arkansas 10-day letter, with necessary documentation.

Multiple other administrative tasks as required.

TARGET CORPORATION, Alabaster, AL

Brand Team Member (03/2016 – 07/2018)

Helped store drive sales while delivering a brand guest experience in order to reduce shortages and improve visual in-stocks thorough attention to detail, and excellent customer service.

Reviewed sales reports to determine Ad-Ad Comp. % changes in products and determine course of action to ensure best sales practice.

Reviewed individual product stock to insuring items were in store and placed in appropriate locations.

Assisted in product returns.

Assisted with product check-out.

Assisted in weekly ad placement.

Provided excellent customer service to the guests.

RUSTY NAIL DESIGNS, INC., Atlanta, GA

Landscaper (03/2014 – 03/2016)

Landscaped clients’ homes and businesses, including mowing, trimming, edging, plant removal and installation, and leaf removal.

Provided excellent customer service.

DICKENSON GILROY, LLC, Alpharetta, GA

Paralegal/Legal Assistant (12/2012 – 12/2013)

Updated firm system with new contract closing information and title commitment information.

Responsible for preparation of legal documents in title litigation matters including Complaints, Motions, Briefs and proposed Orders, as well as discovery.

Reviewed title exams to determine course of action to clear title issues.

Prepared requests to Title Insurance Companies to determine course of action on a title problem and worked with them resolve any issues.

Coordinated with title vendors to obtain title commitments and policies for Deed’s in Lieu of Foreclosure on properties nationwide.

Prepared Deeds in Lieu of Foreclosure documents on Reverse Mortgages for properties nationwide.

Provide excellent customer service to clients.

PENDERGAST & ASSOCIATES, P.C., Atlanta, GA

Georgia Foreclosure Manager (8/2010 – 03/2012)

In charge of, and coordinating with, managing and delegating to 3 to 5 team members.

Reviewed loan documents, title exams for Federal Tax Lien notifications, missing assignments, prior liens, title defects, and subordinate liens; follow up on title review by drafting and requesting necessary documents.

Accountable for meeting presale deadlines by verifying loan deed information is correct, sending Notice of Sale to borrowers, and sending the Notice of Sale to the newspaper for legal publication.

Completed post sale tasks on foreclosure files by ensuring all documents are received, executed, and properly organized to ensure correct recording. Sent foreclosure documents to be recorded at the county courthouse.

Submitted invoices for completed foreclosures.

Managed reinstatement and payoff issues with borrowers, including requesting figures from clients, providing figures to borrowers, and accepting funds from borrowers.

Prepared bidding instructions for foreclosures.

Provided excellent customer service.

MCCALLA RAYMER, LLC, Atlanta, GA

Litigation Legal Assistant (9/2007 – 8/2010)

Assisted high-volume real estate litigation attorneys with managing caseloads, including obtaining fee approval, title review, opening and closing files, file management, and preparing litigation correspondence and pleadings.

Filed and recorded legal documents and pleadings with state and federal courts.

Communicated daily with clients both directly, and indirectly through communication software systems, to apprise clients of status of litigation.

Managed and responded to high volume of e-mail requests and responded to client requests within a timely manner.

Coordinated numerous special projects including, but not limited to designing and implementing new training program for recent hires and updating and coordinating new file closing process for litigation department.

Served as legal assistant for several attorneys, as well as serve as backup litigation support.

Prepared and updated contracts per attorney requests.

Proficient in and familiar with many areas of default litigation, including defensive litigation, title reformation actions, dispossessory proceedings, and forfeiture actions.

Provided excellent customer service.

Foreclosure Manager/Paralegal (8/1997 – 9/2007)

Managed a team of 16 Paralegals and coordinated and assigned tasks necessary to keep a workflow that would allow us to meet all deadlines.

Reviewed loan documents, title exams for Federal Tax Lien notifications, missing assignments, liens, title defects, and subordinate liens; followed up on title review by drafting and requesting necessary documents.

Created a cohesive work environment while incorporating two opposing firms into one company.

In charge of coordinating with, managing and delegating to 11 to 16 team members.

Responsible for meeting presale deadlines by verifying loan deed information is correct, sending the Notice of Sale to borrowers, and sending the Notice of Sale to the newspaper for publication.

In charge of the completion of post-sale tasks on foreclosure files, by ensuring all documents are received, executed, and properly organized to ensure correct recording.

Sent foreclosure documents to the County Clerk’s Office for recording.

Submitted invoices to clients for completed foreclosures.

Managed reinstatement and payoff issues with borrowers, including requesting figures from clients, providing figures to borrowers, and accepting funds from borrowers.

Requested, calculated, and input bidding instructions for foreclosure sale.

Ensured invoicing deadlines were met for sales that are cancelled due to bankruptcies, postponements, reinstatements, and payoffs.

Maintained client’s systems including LPS/NewTrak, Vendorscape, Clarifire and Lenstar (clients’ proprietary systems), and updating them with litigation or foreclosure progress and status.

Reviewed bankruptcy filings in PACER to check for validity.

Provide excellent customer service.

MAGNA MORTGAGE COMPANY, Hattiesburg, MS

Foreclosure Specialist (11/1991 – 08/1997)

Maintained and monitored nationwide foreclosure properties from attorney referral until eviction completion.

Updated CPI (servicer’s proprietary system) with tasks necessary to determine the status of the foreclosure and follow up with attorneys.

Communicated with local counsel to determine the status of foreclosures nationwide.

Filed and monitored claims with HUD, VA, Fannie Mae and Freddie Mac to ensure money lost during the foreclosure was reimbursed to the servicer.

Prepared statements for upper management with loss calculations due to foreclosure.

Provide excellent customer service.

Education

UNIVERSITY OF NORTH GEORGIA, Gainesville, GA

January 2013 to July 2016

AAS Degree in Legal Studies

American Bar Association approved Paralegal Program

Certifications

Accounting and Business Basics issued by ITU on October 28, 2018.

Executive Management Certified issued by Management and strategy institute in March 2019.

Business Law for Managers issued by Linkedin Learning on May 16,2019.

Human Resources Foundations issued by Linkedin Learning on May 19, 2019.

Administration Human resources issued by Linkedin Learning on May 19, 2019.

Computer Skills & Proficiency

IManage

PACER

Various GIS Mapping Software

LexisNexis

Microsoft Office, including Excel

Vendorscape

SCRA

EquiFax

CCNET

National Default Services (NDS)

CACS

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