Loss Mitigation Human Resources

MICHAEL GASKINS

Jacksonville, Florida ******Cell 904-***-*****Home 904-***-*******************@*****.***

SUMMARY

Diverse Mortgage Servicing Representative in all facets of servicing loans including underwriting skills that is performance driven with strong leadership and interpersonal skills adding energy and value to an organization’s quest for excellence. Experienced in fast-paced financial environments, as well as being focused on maintaining high levels of accuracy and efficiency.

EDUCATION

BACHELOR OF SCIENCE; BUSINESS ADMINISTRATION Jacksonville University 2023

HIGHLIGHTS

Proficient in Excel, ER, MSP, NIS

Generating reports

Processing documents Calculations for underwriting modifications

Preparing applications Underwriting for Loan Originations

Reviewing financial paperwork Conventional/Consumer Mortgage

Verifying financial documents for review for Loan Originating

Modification BKI-MSP Screens-SERI, MASI, ADDI-

ADD2, BORR, BNKI, DLQ, 1&2, TAX, 1&2

OPTI, ARMU

EXPERIENCE

MCI Communications Valor

Workforce Analyst

Gathered and reviewed information related to staff performance and customer issues

Responsible for assessing staffing levels daily

Produce daily and hourly reports for upper management and human resources

Monitored real time adherences on each agent for operations

Monitored and managed service levels that were set

TRIAD

Loss Mitigation 04/ 2020-

Implemented a loss mitigation area of approximately 120 investors

Created guidelines and procedures for loss mitigation with the investors

Instituted various methods to penetrate lowering the delinquency by creating spread sheets, reporting, and creating different project tasks to dominate areas that needed special attention.

Established information for the beginning process of loss mitigation by obtaining documents to review for the next step

Initiated the process of receiving documents from customers for determination of loan re modification

DITECH

Relationship Manager 05/2016

Counseled and motivated delinquent customers through telephone contact to meet the requirements of completing a successful workout option.

Provided thorough, detailed and accurate account updates in system of record for each call made.

Through knowledge of the Company’s Standard Operating Procedures, Investor Loss Mitigation Options, as well as State and Federal legal requirements. Reviewing, analyzing, and underwriting routine individual consumer reports

Collecting, reviewing, analyzing, and underwriting loan modifications using credit bureau information, collateral valuation reports, tax returns, financial statements, property insurance declaration pages, HOA/Association documents and other supporting documentation to verify customer financial and property data.

Auditing loss mitigation packages, ensuring customer has sent all information required for processing.

Reviewing modification documents against servicing systems and make corrections, ensuring modifications are fully completed.

Ensured necessary steps are taken to resolve modifications discrepancies within established deadlines.

MARKONE FINANCIAL

Loan Counselor 01/2013-11/2015

Managed 4-billion-dollar portfolio.

Educated customers on expectations on their accounts through the terms of the contract.

Verified if vehicle trade-ins have been paid off to avoid possible buy back from dealerships.

Collected on 1st,2nd, and3rd payments defaults to ensure the company is setting the right tone for the customer’s accounts.

ACCOMPLISHMENTS

Monthly recognition for maintaining 100% of Quality Monitoring goal

Accomplished KPI monthly above average

Recognized for outstanding customer rating from Senior Management multiple times

Numerous recognitions as Employee of the Month

AFFLIATIONS

Chamber of Commerce-Small Business

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