DENISE SILVA

***** *** ****** ***, ******** CA **562

adz9mv@r.postjobfree.com • Home 626-***-****

An energetic, highly motivated, professional with more than 23 years of successful Real Estate and account management expertise. Versatile professional, adept in marketing and able to work under pressure. Excellent communication skills, highlighted by presentation to all levels of management.

Areas of Expertise:

• Managing all aspects of corporate real estate portfolios. Achievement of business plans, financial and operational goals; including analysis, research, site inspections, negotiations, executing sale/lease contracts with property owners/lenders, and extensive escrow and closing background.

• Administers and creates files: prepares and organizes plans, permits and records for duplication, errors and or filing. Prepares and writes a variety of reports and documentation including Risk Management reports.

• Development of teams into highly motivated, self-managed units. Skilled at completing projects on time and within budget. Development and implementation of maintenance by reducing maintenance costs, streamlining office processes.

• Proficient in MS Excel, Outlook, PowerPoint, Yardi, Salesforce, Rentpoint, Resnet, Pacer, REO Trans, Streamline, Encompass, Equator and Word.

Experience:

Spectrum Field Services, Salt Lake, UT Jul 2022 to April 2023 Contract Manager

Contract Manager for multi-state HUD 4S/6S contracts specializing in Property Preservation. Received and reviewed repair bids from general contractors to minimize costs while maximizing the property’s presentation and profitability.

• Preparation and execution of bid contracts, Liaison to various multi-states. Posses good judgment in solving problems and ability to work well with others in a fast paced environment.

• Generate and review contracts, standing purchase orders and compare products, service, and vendors and their associated availability and cost for Department needs. Review acquisitions for completeness, accuracy, cost effectiveness and adherence to policies and procedures.

• Extensive and broad knowledge of the industry and relevant external forces, with a significant understanding of business operations within the property preservation servicing and real estate industry. Financial Asset Services, Irvine, CA April 2018 to June 2022 REO Asset Manager/Property Preservation Manager/Assistant Accounting/Valuations Management of a REO portfolio of 200 Citizens Bank assets Nationwide from Foreclosures to closings. Reviewed Broker's Price Opinion, appraisals and repair bids to determine marketing strategy and approved expenses for repairs.

• Preparation and execution of contracts, amendments and other sale documents to facilitate timely closings.

• Posses good judgment in solving problems and ability to work well with others in a fast paced environment. Extensive and broad knowledge of the industry and relevant external forces, with a significant understanding of business operations within the mortgage servicing and real estate industry.

• Maintained preservation on all properties from Safeguard and general contractors to minimize costs while maximizing the property’s presentation and profitability.

• Responsible for overseeing the completion of important transactional deadlines for each escrow to include but not limited to removal of inspection, loan, appraisal and repair contingencies as negotiated.

• Responsible for the training, management and transactional excellence of Junior Broker Assistants associated. Upfront/Beachfront Rehab., Newport Beach, CA Nov 2017 to April 2018 Intake Coordinator

First point of contact for prospective clients who are expected to use industry-specific knowledge, good judgment, critical thinking skills and salesmanship to solidify commitments and make appropriate placements for clients in a program.

• Compile, record, and evaluate personal and financial data in order to verify completeness and accuracy, and to determine eligibility status.

American Coast Title, Foothill Ranch, CA Aug 2016 to Dec 2016 Escrow Officer

Successfully negotiated challenges between Nationwide clients and lenders to resolve title gaps before closing. Increased client satisfaction and executed operational assignments within a cross-functional team. Handled high volume workloads while meeting time frame and budget requirements.

• Achieved a 35% reduction in interdepartmental turn times by level loading workloads across multiple functions. REO/(refinance) transactions from beginning to end; determined requirements to prepare all documents for the lender, performed banking transactions, approved closing documents, and disbursement of funds.

• Process Funding Conditions; Prepare loan docs for execution, Order Demands, Reviewing and Clearing title, balancing, handling of funds for escrow closings, handling re-conveyances, pre-closing maintenance and post-closing follow up on assigned files. Auction.com, Irvine, CA May 2016 to July 2016

HUD Specialist

Navigated this high paced, ever-changing fee-based environment by expertly reviewing the fees based on the commission structure agreements from the Seller against contracts and estimated HUD's as provided by the Closing Companies.

• Audit files ensuring that all documents collected are in compliance with the Seller’s requirements.

• Calculate and verify that the fees and commissions are paid accurately to all parties including but not limited to the Managing Agent, Buyer’s Agent, and Buyer’s Premium. Ensures all fees, commissions, and credits, if applicable, are reflected in the correct line item on the HUD.

• Execute designated Seller-approved HUD's and Closing Statements. Assist with follow-up on Final HUD, Waivers and wire/ confirmations with closing offices. Participate in achieving Team/Department goals with a track record of 100+ files in the pipeline. Ultra Escrow, Tustin, CA May 2015 to September 2015 Escrow Assistant & Title Specialist

Independent escrow company, serving Arizona, California, and Nevada. Liaison between seller and Title Company and responsible for following up to ensure timely resolution of all title issues.

• Increased Loan Closures 30% per month by reducing Title defects and ensuring outstanding issues are resolved before committed due dates.

• Responsible for timely clearance of all curative issues, ordering demands, and clear liens by negotiating and paying current fees.

• Prepare escrow instructions, Loan Docs/Escrow preparation, closings, and document signings. Experience with the Foreclosure process, Auction files/REO Sales, and Loan Docs.

Carrington Property Services, Anaheim CA May 2014 to January 2015 HOA/Utilities Supervisor

Rental Management Nationwide portfolio of over 1000 Nationwide Rental Leases including the Utilities and maintenance of tenant leases.

• Increased Loss Prevention by 40% Nationwide through Utility negotiations and increased department productivity. Facilitated vendor relationship and contract bidding.

• Decreased HOA/Utilities and billing schedules by 30% by increasing departmental accuracy during processing. Hold monthly staff meetings and conduct an annual review process with direct reports for ongoing staff growth and development plans.

• Developed and created special monthly billing documents; including journal entries for utility income, rental charges/collections to tenants, rent increase letters and statements.

• Worked with utility companies throughout the states to coordinate starting or stopping of services. Coordinate move-in/move-out tenants. Resolve tenant issues/concerns. Lease negotiations with tenants on new leases and renewals. Document retention for all critical items including leases, HOA documentation, inspection reports, applications, HUD documentation, title policy and PM agreements.

Licenses, Certifications, and Affiliations:

DRE, Real Estate Salesperson, Active

Mobile Home License, Mobile Home Sales Agent, 2004. Expired Loan Processor, Certified Loan Processor, 2002. Active Asset Management, REOMAC, 2000

Training:

Certification, First Tuesday, 2008 to 2020.

Buying Homes in Foreclosure, Protecting the Fee, Survey Course, 1031 Reinvestment Plan, Due Diligence and Disclosures, Fair Housing, Ethics & Agency, Trust Funds, Risk Management, 101 & Advance Underwriting and FHA/VA Underwriting. Education:

Mt. San Antonio College, Walnut, CA-Completed coursework towards M.B.A. Business Administration (Feb 1987) Honors and Awards:

Exceed Member Expectations, Courts and Records FCU, Pasadena, CA, 2001 Winning with Teamwork, Courts and Records FCU Pasadena, CA, 2001 Employee of the Month, LandAmerica Default Services, Irvine, CA, 2008 HUD top AM Rankings for 2S Listings, BLB Resources, Irvine, CA, 201

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