Operation/REO Manager

Robin A. Bellows

401-***-**** ***********@*****.*** linkedin.com/in/robin-bellows-2b23b2134/

Leader in Financial Services

Leading Operation and Real Estate Owned Manager with extensive and progressive experience applying a transferable management skill set that has been developed and refined within the banking industry. Ability to drive operational efficiency across key performance analytics. Consistently effective at fostering collaborative engagement with staff, stakeholders, business partners, and decision makers across the organizational hierarchy to share information, attend closely to essential details, mobilize resources, and sustain productivity levels.

Key Strengths

Strategic Planning Regulatory Compliance Goal Setting & Attainment Policy & Procedure Design

Motivated Data & Information Analysis Cross Functional Analytical Skills

Risk Assessment Negotiation Microsoft Office Suite MSP/Black Knight

LoanSphere Invoicing Oracle

Experience

Citizens Bank, N.A., Riverside, RI 2006 -Present

Operations/REO Manager Vice President

Provided growth and reorganization given an expanded leadership role of multiple departments creating a team of cross trained professionals while adhering to risk methodologies having oversight of the default process ensuring procedurally and regulatory compliant management.

Cultivated the teams by growing positions and expanding functions.

Streamlined and enhanced processes and controls to optimize productivity and minimize risk.

Defined new policies and procedures that were responsive to constantly shifting and rapidly evolving market trends, legal and regulatory changes to drive portfolio management efficiency and effectively mitigate losses.

Facilitated incorporating content and essential data enhancements into trend analysis reports to support and better inform senior management of decision-making.

Negotiated vendor contracts and set metric for performance.

Instituted new reporting protocols that optimized the loan level tracking of production and individual Specialist matrixes for accountability.

Selected Accomplishments

●Directed and monitored the performance of colleagues across multiple departments both located in a central location and remote with leadership efforts centered on sustaining efficiency and productivity levels.

●Managed through monthly 1:1 meeting, development, mentoring and coaching team members.

●Directed and administered all facets of the REO portfolio management process, including setting and approving bid strategies in order to mitigating loses.

●Approved pre-foreclosure property preservation work; construction projects; and driving the REO sales process by ensuring that team members maintain viable relationships with both internal partners and external vendors.

●Exceeded expectations against metrics through sales of REO properties both in marketing time and list prices.

●Established, cultivated, and solid relationships of supplier management such as real estate attorneys, management companies, real estate agents, and municipal officials throughout all phases of the portfolio management life cycle to optimize strategic negotiation, and property sales outcomes.

●Provided analytical review and final approval of all monthly and quarterly compliance reports submitted to Credit Risk senior management.

Robin A. Bellows ***********@*****.*** Page Two

Additional Relevant Experience

Citizens Bank, N.A., Riverside, RI

Servicing Specialist III, Officer

Supported Portfolio Administration Department operations as the foreclosure portfolio expanded subsequent to the completion of numerous corporate acquisitions by the bank.

●Ensured the timely liquidation of bank-owned properties through effective management of relationships with sub-servicers, brokers, attorneys, and other vendors; provided front-line issues resolution and served as liaison to facilitate communications between internal/external servicers and the bank.

●Reviewed “workout” packages to identifying opportunities to avoid foreclosure proceedings and offered recommendations related to pre-foreclosure sales, deeds in lieu of foreclosure, and deficiency notes.

●Optimized foreclosure sales outcomes by reviewing bid packages and marketing packages and making strategic recommendations on market valuations, acceptable list prices, price reductions, and carrying values.

●Reviewed appraisals and recommended charge-offs that reflected reasonable carrying values for all defaulted loans in the portfolio.

●Developed and submitted monthly tracking reports to senior management for bankruptcy, delinquency and compliance testing report.

●Approved portfolio related payments/expenditures, balanced REO report against servicers.

●Participated on Due Diligence Team charged with providing analytical review of the underwriting and REO documentation for acquisitions.

Customer Service Representative

Provided responsive, front-line customer relations as a member of a service-driven call center team.

●Responded to customer inquiries and served as a knowledgeable information resource to research issues and resolve problems related to the full suite of banking products.

●Met and exceeded expectations across key performance indicators by demonstrating comprehensive knowledge of bank products offered to customers.

Education

Salve Regina University, Newport, Rhode Island

Completed 30 credit hours within the curricular requirements of an MBA program.

Rhode Island College, Providence, Rhode Island

Completed two years of course studies toward a bachelor’s degree in psychology.

Community College of Rhode Island, Warwick, Rhode Island Completed continuing education courses in business, law, and real estate.

Certificates, Six Sigma Foundations, Operational Excellence Foundations

Professional Development

Headed Colleague Engagement Committee

Foreclosure Committee

Established and facilitated an annual donation to Crossroads RI

WIN

Building Committee

Military Warrior Project

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