Claims Analyst Risk

Nancy Markham

*********@*****.*** 817-***-****

Over 25 years of experience in the mortgage industry, including escrow, loss mitigation, bankruptcy, foreclosure, property preservation, claim filing and counterparty risk. Highly organized, consistently meets deadlines. Takes initiative, works well independently while contributing to team success. Strong administrative and problem resolution skills.

EXPERIENCE

FAY SERVICING

Escrow Specialist – June 2024 – August 2025

•Reconciled PMI billing and loan portfolios to the servicing system.

•Remitted PMI premiums to applicable PMI companies.

•Established amortization schedules for loans to authenticate system data on PMI cancellation term dates.

•Reviewed and processed borrower’s request to cancel PMI to determine if borrower was eligible for removal.

•Accurately documented in servicing system with any updates of all transactions and communications related to loan servicing.

SELENE FINANCE

Escrow Analyst – August 2022 to July 2023

•Completed each month’s Mass Analysis cycle in a timely manner ensuring information was correct on Residential and Commercial loans.

•Review escrow analysis results that fall outside of predetermined criteria. Performed all loan-level corrections identified prior to finalizing each month’s Mass Analysis cycle. Documented MSP, the servicing system, with reason(s) why a loan’s analysis results were accurate, but outside the predetermined criteria where applicable.

•Ensured that accurate and compliant initial escrow analyses were generated for all loans within regulatory guidelines of a loan transfer to Selene Finance. Advised manager/supervisor of common findings and errors to improve processes.

•Accurately performed all projected escrow analyses for pending loss mitigation loan modifications and finalize each projected escrow analysis upon completion of each modification.

•Managed unique or complex escrow analysis inquiries. Responded to all assigned tasks and inquiry requests in an accurate and timely manner. Researched and resolved all escrow analysis issues to completion.

•Complete projects and audits assigned by manager/supervisor.

CALIBER HOME LOANS

Counterparty Risk Analyst – February 2015 to April 2022

•Promoted from Senior Administrative Assistant to Counterparty Risk Analyst within three years of hire.

•Reviewed third-party originator (TPO) applications from Wholesale Brokers and Seller Correspondents, both new applications and annual recertifications. Completed due diligence of both company and key personnel leveraging Black Knight/Comergence, First Line Data, NMLS and Credco. Reviewed FHA severely delinquent compare ratios to ensure within risk appetite. Communicated with Sales and TPOs throughout the process to ensure documentation met GSE (Fannie Mae and Freddie Mac) guidelines.

•Managed Counterparty Risk centralized email box. Resolved emotionally charged issues for both internal and external partners, including Sales, Ops, Brokers, and Correspondents. Resolution often critical to ensuring broker loans closed on time and correspondent loans funded by deadline. Issues included NMLS licensing, product approvals, broker compensation, verification of warehouse lines and agency sponsorships. Received numerous internal awards for outstanding communication and service.

•Primary liaison for VA sponsorship requests. Facilitated all communication with VA to ensure sponsorships approved timely for both new sponsorships and annual renewals.

•Supported seven offshore analysts to ensure accurate review of applications and gave performance feedback.

•Reconciled vendor invoices requiring allocation to multiple cost centers while still ensuring timely payment.

GREENTREE SERVICING, LLC

MI Claim Analyst –June 2013 to January 2015

•Filed mortgage insurance loss claims for Fannie Mae loans to recover foreclosure, short-sale, and deed-in-lieu expenses. Ensured claims processed timely by submitting required documentation and following up with MI companies for successful reimbursement of expenses. Researched escrow and corporate advances for MI claims utilizing MSP.

•Key project team member for automation of MI expense reporting, including testing and feedback. Streamlined research expense reporting and accurate tracking of outstanding items.

•Ensured department procedures remained current.

METLIFE HOME LOANS

Invoice Claims Analyst –May 2012 to June 2013

•Processed invoices for REO property preservation utilizing Iclear per FHA, VA, Fannie Mae, and Freddie Mac guidelines.

•Monitored aging report to ensure outstanding invoices resolved.

•Rebutted curtailments on MI claims and provided additional documentation to ensure maximum claim paid.

•Analyzed timelines for loss mitigation, foreclosure, and bankruptcy process to appropriately allocate cost to department responsible for delay in process.

•Processed requests for payments of HOA dues, liens, taxes, and utility invoices per guidelines.

METLIFE HOME LOANS

Senior Support Assistant – June 2011 to May 2012

•Coordinated cross-functional and departmental meeting schedules, prepared agendas, minutes and assisted with compilation and distribution of meeting materials.

•Organized departmental human resource activities and records, including timekeeping, staffing requisitions, interview scheduling, compensation, and organizational charts.

•Ensured that all new hires on-boarded smoothly with equipment, system and security access, and orientation.

•Coordinated departmental travel needs and processed expense reports.

•Managed procurement for office supplies, laptops, cell phones and other equipment for new employees.

FIRST AMERICAN TITLE

Billing/Accounting Lead – September 2007 to July 2010

•Managed individual workflow per department procedure and assigned responsibility.

•Crossed trained staff in departmental functions and documented procedures to streamline the invoice process.

•Analyzed reinstatement/payoff funds on expired quotes, shortages and provided approval/denial of payments, approved outgoing wires for third party purchase sales.

•Invoiced utilizing Iclear, Lenstar and CLARIFIRE systems for fees associated with Foreclosure and Bankruptcy.

•Partnered with accounts receivable for resolution of write-offs and billing adjustments on foreclosure invoices. Followed up with clients to resolve aged invoices.

Third Party Foreclosure Sale Analyst – May 2006 to September 2007

•Provided customer support to third party purchasers and mortgage companies.

•Performed various accounts receivable functions, including payment processing, deposits, collection of past due invoices, write-offs, billing adjustments, invoice disputes and related research.

•Deposited third party funds from foreclosure sale and disbursed to mortgage lien holder.

•Processed incoming and outgoing wires, processed reinstatement/payoff and calculated foreclosure fees and costs quotes to clients.

Executive Assistant/Office Manager - July 2001 to May 2006

•Provided support for President and three Vice Presidents, including management of administration staff.

•Responsible for on-boarding new employees, including orientation, computer and network setup, time keeping, procurement and maintenance of office equipment.

•Prepared proposals for prospective clients and maintained various monthly reports for upper management.

•Coordinated regional meetings, including travel arrangements, preparation of presentation materials, meeting minutes and expense reports.

•Approved vendor invoices and coded invoices for payment.

EDUCATION

Finance and accounting coursework at Dallas Baptist University and University of Texas at Arlington

SYSTEMS

Proficient in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint, Access, Visio), MSP (Black Knight), Sagent (FiServe), LPS, iClear, Vendorscape, Lenstar, Fortracs, Clarifire, Comergence, First Line Data, Credco, Encompass, FHA Connection, Pacer, NetSuite

SKILLS

Type 70 wpm, oral and written communication, customer service, cash handling, deposit transactions, wires, collections, coding invoices, event planning, travel arrangements, data analysis, regulatory compliance, analytical skills, counterparty risk, time management, teamwork, troubleshooting, problem solving, reporting, MI claims, policies and procedures, DocuSign, FHA, FHLMC, VA and FNMA, auditing, NMLS licenses, mortgage documents, decision making.

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