Sales Mortgage
Resume:
Brian Annunziata
Production -Master Servicing Communication Specialist- 2010-2020
Brian Annunziata
Fairfax, Virginia 22031
***************@*****.***
Brian Annunziata
Master Servicing Communication Specialist- Production SME. Key Skills and Knowledge
30 years of entrepreneurial business ownership.
Ten years of experience in senior analysis support for Freddie Mac and JP Morgan Chase. Over 10 years in real estate expertise, possessing realtor licenses in 12 states. Operations Management, Credit Management, Risk Management, Efficiency Management, Originations, Underwriting, Servicing, Default Servicing, Foreclosure Servicing, Delinquent Servicing, Loss Mitigation, FC/BK, GSE Experience, Strategic Business Analysis, Quality Control, Process Improvement and Implementation, Efficiency Management, Budget and Cost Analysis, P&L.
Increase servicer performance, Conduct scorecard analysis, Deliver staff and management weekly calls.
Education
M.B.A. Business Entrepreneurship NOVA Southeastern University, Fort Lauderdale, FL, 1999 B.A., Business, Barry University, Orlando, FL, 1997 Licenses
Mortgage Business License
Mortgage Brokers License
Real Estate License (12 states)
Life & Health Insurance License
Title Certificate
Computer Proficiency
Windows and DOS Environments
Microsoft Office Suite: Visio, Project, Excel, Powerpoint, Word Skilled at conducting detailed Internet research
Awards
A Premiere Award-1
Gold Awards – 25
Spot Awards - 120
Skills Summary-
I am a Production and Master Servicing Communication Specialist with Freddie Mac, a management executive with over 20 years of expertise in risk assessment, high-profile investment portfolio consulting, compliance with all investment- and mortgage-related federal regulations, effective communication among stakeholders, training, and project management. Established and proven performance in the real estate and mortgage loan market, founding and overseeing a company of over 150 staff.
Professional Experience:
● Freddie Mac (McLean, VA)Currently
Production and Master Servicing Communication Specialist, independent team position responsible for managing 20 loss mitigation servicers, among whom are the Top 10 in the US, August 2013 to present. Reporting to and discussing trends with the servicer managing staff, analyzing systems processes to improve efficiency in the overall mission goals. Reporting to senior executives on performance, creating action plans with the goal of increasing pull through percentages. Training, coaching, and monitoring subordinate servicers to maximize potential professional growth and performance efficiency. Monitoring monthly reports, trending analysis in order to advise servicers for more effective directions to reach optimal solutions. Leading team to increase breakthrough ratios, settlement ratios, and lower delinquency ratios. Analyzing processes to produce prompt remedies. Fielding inquiries from colleagues, clients, and stakeholders as a system specialist. Involved in numerous projects and testing for deployments. Auction.com sales reports and issues. Trustee issues to settlement and lien issues. Production process, SME on Flex files- Payment Deferrals- T-deals- Charge offs - Short sales, short payoff files - Bankruptcy 7 and 13 files.
● Freddie Mac (McLean, VA)
Senior Analyst advising executive management in major investor portfolios, repayment trends, retention analysis and retention default, November 2010 to August 2013. Authoring new guideline policies for retention programs and repayment plan trend analysis reports. Publishing in the “Freddie Mac Annual Report Book.” Authoring “Mac Portal Procedures,” a user guide for ordering new software platforms for daily production. Producing a new formula to calculate repayment plans for the “Servicers’ Guide Book.” Designing new HAMP procedure processes. Implementing default analysis, REO rollbacks, and liquidation procedures. Assessing high profile investor portfolios to minimize risk. Reviewing assumptions, qualifications, protecting investors from excessive risk, and evaluating settlement procedure guidelines in compliance with all current federal banks and banking regulations B to Z and AA to YY, six sigma controls with contribution assessments/default procedure analysis, and SAI implementation.Overallable SDC process and reimbursements issues.
● JP Morgan Chase (Milwaukee, WI)
Short Sale/Modification/Liquidation Negotiator facilitating foreclosure procedures, attorney contacts, risk analysis, loan processing, underwriting, and fraud analysis, January 2010 to November 2010. Servicing short sales within Fannie Mae and Freddie Mac parameters. Supporting Broker Price Opinion assessments and negotiating purchase prices. Examining titles, maintaining compliance, negotiating cash and promissory notes on investor’s behalf, and completing pre-post closing. Delivering on deadline for investors: closing files while maximizing net proceeds. Evaluating quality control, six sigma processes, and qualification for HAFA, document preparation, and closing documents issuance. Collaborating on procedures: analytical reviews, mortgage insurance guidelines, closing procedure, cost benefit analysis, 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. Mortgage by Owner, Inc. (Memphis, TN- West Palm Beach Florida) President/Equity Partner/Founder establishing a ten-year record of significant personal, professional, and managerial growth as a leader, pioneer, and top producer, January 2000 to March 2010. Developing and maintaining networks of contacts for “A-D” paper loans including realtors, brokers, and builders. Communicating and negotiating in order to qualify and close conventional, FHA, VA, and special program loans. Consulting, researching and gathering information for underwriting. Developing and organizing electronic/database information on sales and in-progress mortgage activity. Budgeting, planning, marketing, and operating building and managing portfolios. Performing as Short Sales and Modifications Specialist and Correspondent Lender in compliance with all federal regulations. Conducting DU and LP processes. Producing training on new applications. Wholesale bundling and sales to financial markets. All lending QC knowledge.
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.
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