Claims Analysis

Kimberly A. Schultz

Location: Dallas / Fort Worth

Telephone: 972-***-****

Email: *************@*****.***

Professional Summary

Detailed-oriented professional with over 20 years of proven success in strategic portfolio management, data analysis, and implementation, with experience driving business processes across the banking and finance sector. Adept at leveraging knowledge of GSEs and private lenders regulatory policies, best practices, and standard operating procedures with an acuity for compliance to deliver on business improvement and efficiencies.

Core Skills

Government Claims

Fraud Investigation

Audit

Research

Data Analysis

Credit Review

Process Management

Quality Assurance

Portfolio Management

Reconciliation

Loan Processing

Cash Management

Experience

Highlight Technologies – Dallas, TX

Loan Specialist Assistant 05/21- 07/21 Loan Specialist - July to 09/2022

Review loan applications, make recommendations and negotiate terms based on research findings.

Processed liquidation steps based on SBA guidelines for Covid EIDL (Economic Injury Disaster loans) loans.

Reviewed, analyzed, and prepared recommendations for charge off actions or fraud filing to the Office of Inspector General. Regular, negotiation with guarantor regarding repayment plans.

Reviewed loan applications, credit reports, LA&A, Note, Security Instrument, UCC, and create demand letters, roadmaps, and payoff statements. Strong attention to detail, data analysis and excellent decision-making skills.

SBA Office of Disaster Assistance – Fort Worth, TX 07/2020 – 11/2020

Loan Processor 07/20 – 08/20; Loan Fraud Investigator 08/20 – 11/20

Performed high quality production with clear and concise evidence of the fraud allegations based on SBA COVID pandemic loan guidelines.

Prioritized tasks to perform with a high degree of accuracy to meet deadlines and ensure timely submission. Exceeds production standards. Excellent customer service.

Ensured research, document preparation, and case evidence are reported and conducted in accordance with SBA policies and procedures.

Review loan applications and credit reports, bank statements for discrepancies.

Technology Ventures – Dallas, TX 11/2017 – 10/2018

Fannie Mae Claims Specialist III

Extract and analyzed data from various systems to manage claims and decision process.

Expensed and processed non-performing government loans

Reviewed and provide decision on vendors’ claims based on FNMA processing guidelines

Extracted data files from various systems to manage daily claim processing requirements

Provided detailed processing notes to substantiate decisions made on claims

Processed servicing claims for hazard, tax, flood, PMI, MI, and appraisals for ESTP/Razor guidelines

Capital One – Plano, Texas

Customer Service Coordinator Auto Finance 06/05/2017 to 11/2017

•Worked in auto financing in bound call center answering questions and concerns for Auto Navigator product questions and providing added value with a WOW experience.

•Clear Conditions – POI, POR, Fraud Alerts, Security Quiz, Review Bank Statements, Paystubs, W2’s, Tax Returns, Child Support to decision auto loan with a pass or fail with supportive documentation. Exceeded company metrics – QA, client surveys, phone stats, surprise and delight, CBT’s, engage during 10/10 management meetings.

•Systems Used – CLO, NICE, MEDALLIAN, EXPERIAN, WORKDAY, ROADMAP

Ten-X Commercial Real Estate – Dallas, TX 09/2016 – 11/2017

Contractor Writer

Managed sales and marketing for auction properties. Collaborated with investors ensuring REO process functions are within investors’ standards.

Explained the foreclosure and REO auction process to investors prior to auction enrollment.

Executed written contracts for REO online bidders

Conducted outbound calls to investors regarding earnest money requirements and proof of funds

Participated in investor functions to increase new business sales.

Accurately record and report all sales activities to the Marketing and Sales Director

Attended and ensured consistency across multiple marketing channels through regular attendance of virtual and in-house client meetings

Technology Venture – Dallas, TX 11/2014 – 09/2016

Fannie Mae Claim Specialist II

Responsible for processing, expensing, and reconciling all claims based on policies and procedures set forth by the investor.

Processed expense reports for both service and non-service clients

Reviewed and decisioned vendor claims based on FNMA processing guidelines

Processed eviction attorney fees expenses for reimbursement

Examined and processed rejected claims and submitted these claims following FNMA expense guidelines

Managed the production and quality control of claims in accordance with department standards

Performed reconciliation of servicing claims

Aerotek Staffing – Dallas, TX 03/2011 – 11/2014

Expense and Payment Processor

Managed all aspect of accounts payable and collections. Performed monthly reconciliation and resolved discrepancies.

Managed payable and collections for all Utility Service clients

Adhered to Fannie Mae and Freddie Mac guidelines

Managed and tracked all Homeowner’s Association (HOA) accounts

Performed monthly account reconciliation and attend client relation calls

Trained all new hire associates and HOA manager on delinquency recovery process

Identified and resolved payment discrepancies to prevent income losses and utility liens

Lehman Brothers – Lake Forest, CA 3/2007 – 03/2011

Escrow Specialist

Analyzed and audited all tax and escrow disbursement. Generated monthly reports for reconciliation and managed assigned projects.

Boarded newly funded loans into the commercial Loan Servicing System (PCFS) and SharePoint

Managed cash posting of loan payments and research discrepancies

Analyzed tax and escrow disbursements and provided results to the customers

Audited escrow accounts and provide results to management

Obtained and processed evidence of insurance coverage for commercial loans

Generated reports for First American Commercial Tax reporting and monthly reconciliation of portfolio

Lead and managed assigned projects

Ensured all processes were performed in accordance with regulatory and investors guidelines

Trained all new employees with the escrow department

Education

Bachelor of Science (BS), Human Relations and Business

Amberton University – Garland, TX

Additional Relevant Information

Excel, SharePoint, LTrack, CAFS, Word, PowerPoint, SQL Server, SSRS, Yardi, AS400, BKFS, LPS, FHA Connection, MSP, Encompass, Nautilus, Salesforce, Lexus Nexis, LoanSphere, Darts, Trax, Equator

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