Operations Analyst Team Member

OBJECTIVE

To obtain a position that will allow me a diverse career opportunity where I can utilize my skills and qualifications. I am a creative, energetic, and outgoing individual with a drive to be challenged, develop, and succeed.

COMPUTER SKILLS/ PROGRAMS

Strong organizational, time management, leadership, and communication skills

Basic understanding of loan/legal documents

Effective working as a team member, team builder, or independently to achieve goals

Efficient in multi-tasking to handle various tasks at once

Proficient in account analysis and documentation

Possesses the ability to perform in a fast paced ever changing environment

Produces high volume in demanding situations

Proficient in MS Office including Word and Excel

Working experience in LINX, CREW, Vintek, Magellan, AS400/ ISeries, MAP, IPortal, LPS, SharePoint, and various specialty programs relating to mortgage services and auto lending, titling services

EXPERIENCE

Bank of America Jacksonville, Florida

Operations Analyst January 2022- till

Retail/ Direct Collateral Exceptions

Operations Project Analyst January 2021- January 2022

Control Tower in Specialty Products

Supports all Collateral Teams, by producing and distributing daily reports to track the teams work progress, aging of accounts worked, as well as volume.

Analyzes any data that is provided to help improve processes and issues.

Produces and distributes daily overall Pipeline and Production reports for all Collateral Teams.

Produces and distributes daily voicemail volumes and daily interactions (calls) reports for all Collateral Teams, for monitoring and tracking purposes.

Tracks and maintains SP Multiple complaints, which lists accounts with customer/ clients complaints to research and identify, using FLU CTR.

Complies and organizes the monthly “SWK” control report, by researching any exceptions to clear and then forwarded to Direct Team management.

Researches and reviews “UTL” (Unable To Locate) titles to match to accounts where needed.

Senior Collateral Specialist February 2016- January 2021

Retail Exceptions/ Collateral Exceptions/ Collateral Maintenance

Has direct contact with bank customers, state licensing agencies, and business partners and is expected to present self and department in a professional manner.

Researches and reviews accounts daily using appropriate systems.

Researches and/or services active and/or paid off automobile, marine and recreational vehicle collateral

Has high level of direct contact with bank customers, state licensing agencies, and business partners and is expected to present self and department in a professional manner

Has high level exposure to title processes with DMV

Contacts previous lienholders to request lien releases for customers and Dealers.

Processes and submits paperwork needed, and assisting customers and/or Dealers, to add the bank as lienholder on titles to state DMVs and/or agencies.

Processes lien releases for paid accounts and for correction purposes, for states that require them.

Processes Uniform Commercial Code (UCC) continuations and terminations.

Has monitored and maintained Faxes/ Email requests to assign workflow.

Bankruptcy Specialist April 2013- February 2016

Reviews and approves loans that have met the closing requirements, approving Proofs of Claim and Motions for Relief for filing with the court.

Closings - Determining if the closing is valid and the appropriate information is documented with the valid dates and information on ISeries.

Mitigates loss and legal risk to the company and to investors by accurately managing the bankruptcy process and obtaining relief from bankruptcy on non-performing loans.

Communicates with attorneys, court appointed trustees and borrowers to answer questions related to the bankruptcy file.

Maintain all internal Policies and Procedures in accordance with regulatory and Firm policies

Updates spreadsheets and trackers on a daily basis on specific Projects.

Handles more complex levels of transactions requiring subject matter expertise, such as Special Projects listed below:

1. Total Debt Claim- covers all aspects of monitoring a total debt loan in bankruptcy including recognizing a total debt loan, monitoring the total debt while in bankruptcy, and finally the closing of the loan, 2. Abusive Filings- Monitors and tracks number of Bankruptcy filings per client from spreadsheet and contacts attorneys regarding the Abusive Filer, 3. POC Objections Team- Monitors objections of Proof of Claims, from Trustees and/ or Debtors, by keeping in contact with attorneys, using LPS and reviewing court documents in ACCER. 4. Cramdown Team- Utilizes plan, POC, and attorney’s review and recommendation to determine if loan is Cramdown. Monitors loans in every step of Cramdown process. Processes Post-petition payment history ledgers for each loan. Escalates loans when needed.

Mortgage Servicing Specialist Lead December 2011- April 2013

In addition to Mortgage Servicing Specialist II duties:

Responsible for assisting with training and coaching of associates and/or distribution of work to associates

Performs routine Foreclosure processing such as referral of loans for pre-foreclosure and generation of ILA letters and required checklists, while reviewing and analyzing quality on all loans at 3rd (final) level review

Utilizes business applications and appropriate technology to perform routine activities. Maintains and adheres to internal operational controls and ensures they meet company standards.

Ensures quality service and effective and efficient operations support for Foreclosure Review Referral Team and other assigned internal business partners and/or external clients.

Work on loans in multiple stages of delinquency, up to and including charged off accounts, or across various product types.

Responsible for Special Project in researching, requesting, and distributing California and Washington Declaration State letters from Associates to Attorneys and specific reporting distribution from LPS to management.

Maintain all internal Policies and Procedures in accordance with regulatory and Firm policies

Mortgage Servicing Specialist II May 2010-December 2011

Reviews of MHA loans by special investors and refer to Foreclosure.

Reviews of California loans, in due diligence and qualified contact, by state guidelines and procedure.

Reviews of FHA loans by special guidelines and state laws.

Reviews loans to ensure the quality of the foreclosure proceedings

Checks military status of homeowners using the SCRA website.

Performs foreclosure referral process in a production driven environment while maintaining 95% plus quality standards.

Reviews delinquent mortgage accounts for potential foreclosure referral based on investor guidelines, company guidelines and state guidelines.

Demonstrates ability to cope in a rapidly changing regulatory environment on a federal and state level.

Issues breach/demand letters on all default loans based on state or investor guidelines.

Evaluates delinquent loans to determine status of accounts and determine if foreclosure is warranted.

Reviews due diligence packages on newly acquired loans and MHA loans by procedure.

Reviews default accounts affected by hurricane/natural disasters.

Reviews daily broken repay plans and released/dismissed/closed bankruptcy files.

EDUCATION

Florida Community College of Jacksonville State University of New York,

Jacksonville, Florida Alfred, New York

Associates of Science (Interior Design) Associates of Arts (Liberal Arts)

Contact this candidate