Mortgage Attorney

BRIDGETTE L. CUINGTON

*** ****** ***** ***** **********, Texas 75165 214-***-**** **********@*****.***

CAREER SUMMARY

Mortgage professional with experience in analytics, bankruptcy, foreclosure,evictions, property preservation, loss mitigation, default, hazard Insurance, MI claims, REO, short sale, litigation, title,loss prevention and recovery.

Knowledgeable in the processing and handling of all mortgage documents. Skilled in FNMA/FHLMC, private Investor guidelines and reporting.

COMPUTER SKILLS & APPLICATIONS

MCS360, Federated, I-vault, MSP, LISA, LPS, Lenderlive, Livelink, Fastrive, Cognos, InfoSource, Encompass, FiServ, Guardian, RECS, CMS, Suspicious Activity Database, Fieldscape, Safeguard, DRI, FHA Connection, Blacknight, Vendorscape, Pacer, AS400, MS Word, MS Excel, MS Access, MS Outlook, Encompass, Internet.

PROFESSIONAL EXPERIENCE

FAIRWAY INDEPENDENT MORTGAGE CORP. Carroltton, TX

Post Closing Collateral Reporting Specialist 2019- Present

Generate warehouse bank reporting and internal reporting to track missing closing packages. Coordinates note shipments and returns daily. Contacts closers and obtains updates on outstanding packages and offers assistance in expediting the process and initiate collateral shipments from warehouse banks to the investors. Track outstanding closing packages and communicate with the closers in an effort to locate, track and receive packages to meet warehouse bank delivery due dates. Record and track the information gathered from closers on outstanding packages via daily reporting, warehouse bank summary and Encompass. Review warehouse bank exception reports and send documentation to warehouse bank to clear exceptions. Responds to internal and external requests for updates, details or general information in regards to areas of responsibility. Work closely with peers in an effort to streamline responsibility and ensure proper communication and documentation of tasks. Review final documents, such as the Title Policy, Recorded Security Instrument, Note, Power of Attorney, Trust Agreements, Recorded Modification Agreement, and Recorded Assignment and notarize documents if needed.

PHONEIX SERVICES (Fannie Mae). Plano, TX

QC Claims Specialist FHA Claims 2018-2019

Timely and accurately review invoices for approval based on Fannie Mae servicing guidelines. Enforce billing guidelines through the audit of invoice exceptions reporting. Manage rebuttal process and request for additional documentation. Completed administrative tasks including data collections, system administrations, and vendor correspondence. Log review errors found in the invoice quality process and summarize findings with department management.

COLONIAL SAVINGS. Fort Worth, TX

Claims Processor FHA/Private Claims 2016-2018

Perform post-foreclosure servicing functions required by MI, investor(s), insurer and internal guidelines for bankruptcy, foreclosure, eviction management, property preservations, and conveyance of title, HOA maintenance, taxes, and property insurance during the REO process. File claims for reimbursement of expenses reconciliation of claim proceeds and filing supplemental claims needed. Preparing and submitting initial investor billing notification within required timelines. Monitor payments and review the billing payments for curtailments and/ or adjustments. Work with business units to determine if the curtailment can/should be disputed and file dispute claims for applicable loans. Research and gather documentation from a variety of internal and external sources to support investor billings and for reviewing curtailments.

WILLIAMS ADLEY. Farmers Branch, TX

Claims Analyst HUD Initial /Supplemental Claims 2015-2015

Review and analyze supplemental mortgage insurance claims for payment by HUD to financial institutions. These reviews are to determine the completeness, accuracy and compliance of the claim with HUD’s regulations. Contact financial institutional staff to obtain missing documentation or clarification of claims documentation. Retrieve data from HUD systems. Assist other staff members as needed.

NATIONSTAR MORTGAGE. Irving, TX

Claims Analyst QC- Reverse Mortgage Claims 2014-2015

Manage the day to day claims process for all investor mortgage insurance claims. File initial and supplemental claims for any and all allowable advances. Track amd monitor al REO activity and applicable to claim recovery. Monitor advances and expenses to meet/maintain required guidelines. Organize process for follow up on funds for payment on all claims filed with collection of HUDs. Short Sale package and other loss documentation. Manage any special claims procedures for any and all servicing aquistions. Provide summary and detail reporting on a weekly and monthly basis. Manage inventory to ensure that claims are filed timely. Analyzes reviews claims for accuracy, completeness and eligibility. Prepare and maintain reports and records for processing. Acts as a liason to attorney, insurance companies and individuals investigating any incidents that may results in asset loss. Maintained high productivity goals. Experience with Sale Base, Appraisal Base, Short Sale, Third Party, Conveyance, Non-Conveyance, Pre-Forclosure and Assignment Claim filing for HUD-SME.

WELLS FARGO. Addison, TX

Client Service Consultant, Residential Attorney Management Program 2012-2014

Managed audit process, monitored communication flow between legal advisors, attorney firms and audit teams. Performed quality control based on loan samples to assure quality work. Update work plan accordingly with audits and answered to a panel of superiors to explain audit trendencies and exit strategies for past-due segments. Reviewed and analyzed documents and/or progress for quality and complainace to guidelines of the individual lines of business (foreclosure, bankruptcy and eviction), Office of the Comptroller of the Currency (OCC) and National Servicing Standards (NSS). Host Attorney conference calls; compiled file error reports and provided feedback to attorney firm and co-workers and work on special projects. Demonstrate superior analytical skills on a daily basis to encompass recognition of trends and risks. Reliable source for Foreclosure, Bankruptcy and Evictions related issues and solutions.Audit Attorney Fee Cost and Payoff Reinstatement using DAP Matrix for Fannie Mae, Freddie Mac and private investors and providing feedback to senior management with findings. Performed on-site audits to track missing documents and document firm’s progression throughout the audit process. Demonstrate stong analytical and problem solving skills and self driven to manage multiple prioties and work under strict timelines. On boarding and Off – boarding of attorney firms. Onsite travel 20-25% to Attorney Firms and shadow foreclosure, bankruptcy and eviction process.

JP MORGAN CHASE. Arlington, TX 2011 to 2012

Senior Operations Risk Consultant, Investor Business Solutions

Performed forensic risk analysis on non-performing mortgage loans. Delivered findings to investors and MI companies to be used for litigation and dispute resolution for repurchase purposes. Analyzed mortgage loans in accordance with FNMA/FHLMC, FHA/VA and lender guidelines for fraud, default, foreclosures, workouts, and missing documentation prior to negotiating buybacks. Investigated and resolved issues, and communicated results of file review to internal and external entities prior to negotiating along with various other risk-averse loan-level quality assurance issues. Reviewed residential mortgage assets. Researched and reviewed subprime residential mortgage loan files to determine origination errors, incomplete and/or missing documentation, miscalculation, misrepresentation and possible fraud. Prepared written review and presented to counter-party. Demonstrate strong analytical and problem solving skills and provide interpersonal and collaborative skills. Build strong relationships with vendors and clients.

CITI MORTGAGE. Irving, TX 2010-2011

Default Claims Processor

Completed Freddie Mac, Fannie Mae, FHA, VA, MI, and/or Private Investor Claims within Investor guidelines and timeframes involving making decisions, performing research and analyzing financial transactions. Followed up with Investors, insures and vendors. Reconciled financial transactions, invoiced and processed checks, reviewed utilities and interacted with attorneys, property preservation and REO vendors in the management of a claims caseload. Research Loss Mitigation & Default fees and costs. Prepare and submit claims to vendors for payments. Receive payments from claims and post to system. Review accounts payable and receievable.Performed default research and litigation assignments accurately based on analyzing attorney communications and documents. Examined CBR, BPO/Appraisals, Final HUD, Payment History, Note History, Short Sale, Bankruptcy and Foreclosure. Worked with Mortgage Vendors: PMI, Radian, GMIC, MGIC, United Guarantee.

Mortgage Loan Processor 2009 -2010

Managed a pipeline of loans within required performance standards for welcome, approval and status calls. Booked loan modifications (FDIC, BAUM, HAMM, Supplemental Lien, PMI, FHA.). Reviewed loan file to verify procedures per guidelines and ensured integrity of all data processing inputs. Ordered documents and followed up with vendors/third parties. Obtained customer documents, and cleared conditions commensurate with authority level. Submitted loans to underwriting for conditional review and full approval upon receipt of appraisal. Handled documents including 4506T, Hardship letters, CBR, Paystubs, Tax Transcripts, Bank statements, Homeowners Insurance and HOA according to compliance/regulatory guidelines.Worked with DRI, MS Word, Outlook, Excel Spreadsheets,CMI Cash Window, MAT Tool, and Access to Database AS400.

EDUCATION

Allied Real Estate School- Laguna Hills, CA

Appraisal Certification, 2019

National Association of Mortgage- Hollywood, FL

Certified Mortgage Underwriter, 2020

NORTH LAKE COLLEGE – Irving, TX

Associates Degree in Business Administration/Management, 2011

American Association of Notaries, Active until 2024

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