Consumer Special Assets, Workout Associate
Resume:
Brian J Hawker
Sacramento, CA 95834
Home 805-***-****
************@*****.***
Education
Eastern Connecticut State University
Willimantic, CT, 06226
B.A. in Political Science
Systems: Microsoft Office
Work Experience
Tri Counties Bank
Consumer Special Assets, Workout Associate, Chico, CA, October 2023 – December 20/24
Responsible for monthly Electronic Default Reporting for Freddie Mac and Fannie Mac
incoming daily phone calls from borrowers assisting in workout options
Notice of default letter, Responsible for Declaration of Default (Referral to foreclosure)
Monitoring foreclosure and post foreclosure process (SB1079.)
Responsible for Bidding instruction credit bids (Freddie Mac) and Reserve Price Bid (Fannie Mae)
Responsible for completing loss mitigation options including loan modification, payment deferral, repayment plan.
LA Financial Credit Union
Digital Banking Systems Conversion Customer Support, Pasadena, CA 9/26/22 – 12/31/22 Temporary position
Develop procedures for online banking Alkami
Taking inbound calls from members to setup online banking
Accurately present information on all deposit and loan products, ancillary services, and rate and fee information offered by the Credit Union.
Hawker Real Estate, Simi Valley, CA February 2021 – July 2022
Responsibilities include bookkeeping and creating comparative market analysis
Fiserv, Moorpark, CA, September 2014 – 4/1/2020
Tech Representative for XP2
Knowledge of AIX
My responsibilities included Knowledge of the Fiserv XP2 Core processing
I received calls from merchants, banks, bank representatives and sales representatives in regard to Point of Sale terminals and their functionality. Calls can generally be categorized
Terminal Problems – I would assist the caller in troubleshooting a malfunctioning terminal device or printer, balancing daily batches, assistance with performing transactions or procedural inquiries.
Support and assist Account Executives assigned to Key Account clients.
Function as the main contact point for clients daily operational and business support issues and questions.
Troubleshoot basic issues and inquiries about electronic payments and services
Provided remote 24/7 after hours on call support
Routinely made decisions and solve generally complex problems and knowing when to refer more complex or far-reaching decisions to higher level Support staff.
Chase HLD Sr. Loan Processor Chatsworth, CA, August 2012 – October 2013
Lost job due to layoff
Service borrowers as their main point of contact while preparing and moving mortgage loans to a timely
closing
Issue proper disclosures as required by federal regulatory compliance and review rate
lock and point objectives for accuracy
Audit loan origination files, order necessary appraisal, title, and credit documents
Review loan related documents, including income documentation, tax returns, title insurance, flood, tax certificates and surveys.
Resolve title issues such as tax liens or judgments if needed
Review and clear outstanding loan conditions by working closely with loan officers, borrowers, title & and/or all parties needed to obtain necessary documentation to clear to fund
Submit documentation to underwriting, compliance, audit and legal for review and approval
Maintain a monthly pipeline to ensure individual, team & department goals are met, averaging 40-
50 loans monthly
Chase Risk Short Sale Negotiator Chatsworth, CA, November 2011- August 2012
Analyze and determine best course of action for short sale and deed in lieu process
Responsible for reviewing origination appraisals and all subsequent valuations obtained during
the default process and ordering reconciliation value
Work with customers, realtors and internal management to review, negotiate and approve transaction for list price cut offers/counter offers on the property
Coordinate short sales close with all parties, including title and junior lien holders. Adheres to internal guidelines and external investor/insurer requirements
Handle routine levels of transactions with oversight by managers and approval officers to complete daily
Manage a portfolio size of 45-65 loans per month with approvals and closing
Consistently exceeded department goal and achieved top negotiator on my team
Simi Pod Test group–Bank Of America, Simi Valley, CA, December 2009 – November 2011
Four different titles under Simi Pods Account Specialist, Specialty Servicing, HSSII, and CRM
Bank of America merged with Countrywide
CRM
Primary responsibility is becoming the only contact for the homeowner
Contact only on a short sale and deed lieu workout program
Collecting financial documents on loan modifications for in-house Bank Of America mods and the government’s
Making Homes Affordable program
Offer Deed and Lieu, short sales, and repayment plans, for home owner’s who don’t qualify for a modification
HSSII
Primary responsibility is working on the government’s Making Homes Affordable program
Collecting financial documents for underwriting to review
Specialty Servicing
Primary responsibility was working with severely delinquent accounts offering a deed in lieu (cash for keys)
Typical account was past 12 months’ delinquent
Given a list of 100 loans a month to cold call
Account Specialist
Primary responsibility was working with Non Owner Occupied properties (rental and 2nd homes)
Given a list of 100 account each month to cold call
Typical account was about 7 months’ delinquent
Offered workout options that best fit the owner’s financial situation
Work out options included loan modifications, short sales, repayment plans, or collection of payment
Created both modification analyst and short sales analyst
Workout Negotiator II Countrywide Financial - Countrywide Home Loans, Simi Valley, CA, May 2007 –December 2009
Responsibilities as a Short Sale Negotiator
Primary responsibility is to mitigate loss
Negotiate with real estate agents fair market value
Obtain approval from investors and mortgage insurance companies
Request missing items from real estate agents, ordering appraisals, interior- BPOs and, checking our investor guidelines
Responsible for tracking daily portfolio activities
Responsibilities as a Modification - Closing Modification and Modification Negotiator
Created loan modification documents for private label, FHA and HELOCS
Created and completed MFA changes for private label, FHA loans and HELOC changes
Responsible for receiving loan modification documents back in timely manner and making outbound calls
Canceling or postpone foreclosures
Calculating new mortgage payments
Quality assurance for modification negotiators as closing mod negotiator
Responsible for following investor guidelines
From February to April of 2008 I was responsible maintaining a portfolio of loan modifications all in foreclose. Responsible for the entire modification process negotiation and closing process
Account Manger Countrywide Financial – Countrywide Home Loans, Simi Valley, CA, December 2006 –May 2007
Responsibilities included servicing mortgage loans that are 90 days past due and in foreclosure status
Purpose is to mitigate loss
Pre- qualify homeowners for assistance, assistance included loan modification, deed in lieu, short sale or repayment plan
Check investor guide lines for qualifying assistance
Keep homes from going to foreclosure sale
Loan Counselor- Countrywide Financial - Countrywide Home loans, Simi Valley, CA, December 2005- December 2006
Responsibilities included servicing mortgage loans that are 30 to 60 days past due.
Primary responsibility is assisting mortgagers keep their home.
Collecting mortgage payments
Assisting mortgagers with debt counseling options and explaining different options countrywide offer.
Qualifying, offering and setting up repayment plans
Offer refinancing to qualified homeowners
Customer Service – ING- ING Life Insurance and Annuity Company, Hartford, CT, March 2004 August 2005
Responsibilities included taking financial transactions.
Giving participants information about ING products.
Assisting participants with rules regarding their retirement plan
Retain accounts from participants who are no longer with their employer by offering ING products.
The plans I managed were 403(b), 457, 401(k) and 401(a) and IRA plans. These plans included bundled and unbundled plans.
Calculating loans
Assisted and researched participants’ problems with withdraw, loans, and trades.
References
Available upon request
Please see my resume for your consideration
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