Financial Services

VIRGINIA JENKINS

SUMMARY

I am accomplished in leading risk management strategies and excel in

compliance and persuasive speaking. My focus on ensuring legal adherence and enhancing client relations has been paramount to my success. With expertise in foreclosure mitigation, credit risk underwriting, and risk management leadership, I have consistently surpassed target achievements. This reflects a strong blend of analytical thinking and negotiation skills.

EXPERIENCE

Loss Mitigation Closer (remote), 07/2024 - Current Flagstar Bank - Jacksonville, FL

Underwriter Manager (remote), 10/2017 - 01/2024

Renew Financial - Oakland, CA

CONTACT

Address: Grayson, GA 30017

Phone: 404-***-****

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

WWW: Bold Profile

SKILLS

Responsible for preparing documentation to complete the final steps in resolving the delinquency associated with a borrower's loss mitigation application

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Further responsibilities include monitoring the recordation of borrower executed documentation and providing direction to update our system of record in accordance with regulatory requirements, investor/insurer guidelines, and Flagstar Bank's default servicing operations standards

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• Prepare and mail final loss mitigation documentation

• Perform quality control validation to ensure accuracy Monitor the recording process and submit appropriate documentation to investor/insurer, when applicable

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Provide detailed instruction to update our system of record based upon the outcome of the approved loss mitigation workout option

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Maintains knowledge of regulatory requirements and investor/insurer guidelines that may impact default servicing operations

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Understand key performance and risk indicators in the Loss Mitigation Process, and how individual role contributes to meeting or exceeding these goals;

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• Maintain and practice sound judgment in all aspects of role

• Presented loan and repayment schedules to customers. Developed and implemented risk management strategies to evaluate loan applications, ensuring legal and financial compliance

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Led compliance audits on pre-funding applications, identifying and mitigating potential risks prior to funding

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• Deal structuring

• Loan closing documentation

• Target achievement

• Persuasive speaking

• Building rapport

• Processing

• Negotiations

• Compliance

• Risk management

Mortgage and Auto Insurance

Underwriting

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FHA, VA, Non-QM,USDA, and

Conventional Training Programs

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• Leadership Abilities

• Analytical and Critical Thinking

Default and Foreclosure

Management

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• Bankruptcy Knowledge

Mortgage Loan Processor, 10/2016 - 08/2017

State Farm

Underwriter Assistant, 10/2013 - 10/2016

State Farm

Loss Mitigation Specialist, 12/2009 - 10/2013

Jenkins Credit Services

Loan Modification Processor, 04/2012 - 09/2013

Gantt and Associates LLC

Mortgage Loan Processor, 04/2010 - 04/2012

Amerisave Mortgage

Loss Mitigation Supervisor, 03/2007 - 12/2009

Coast to Coast Short Sales

Sr Loan Processor/Closer, 06/2003 - 02/2007

Mortgage Lenders Network

EDUCATION

Cybersecurity, Forensic Science, 01/2021

Managed complex loan reviews and provided training on risk mitigation techniques to loan processors and customer service representatives

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Participated in the development of risk management controls for mortgage processing, ensuring adherence to secondary market requirements

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Supported internal and external audits, facilitating the mitigation of findings and enhancing compliance measures

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Assisted in the evaluation of policy endorsements and applications, applying risk assessment methodologies to minimize loss potential

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Contributed to policy research and process improvement initiatives, focusing on risk management and compliance

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Negotiated short sales and managed foreclosure postponements, employing risk management techniques to minimize financial losses

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Pre-underwrote files to ensure compliance with investor guidelines, enhancing the risk profile of short sale transactions

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Conducted operational reviews and compliance audits, applying mortgage servicing guidelines to ensure risk management protocols were followed

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Managed loan processing to ensure compliance with underwriting and funding conditions, focusing on risk mitigation and regulatory adherence

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Oversaw short sale and modification processes, implementing risk management strategies to address escalated issues and prevent financial losses

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Ensured compliance with state and federal guidelines during the loan closing process, auditing documents for accuracy and managing risk

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Independence University - Salt Lake City, UT

Some College (No Degree), Business Administration

Florida Gateway College - Lake City Florida

PROFESSIONAL REFERENCES

CERTIFICATIONS

Debbie Thomas, Business Line Underwriter, State Farm, ************@*****.***, 931-***-****

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Russ Hayden, Operations Supervisor, Renew Financial, ****@*********.***, 678-***-****

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Shannon Melvin, Loss Mitigation Closing Supervisor, Flagstar Bank, *******@*****.***, 904-***-****

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• NMLS Certified

Contact this candidate