Operations Leader with Mortgage Expertise and Quick Learner

Kirk Ensign

***** ********* *****, *****, ** ****8

Phone: 214-***-**** ***********@*****.***

EDUCATION:

University of North Texas Denton, TX

Bachelor of Arts in Sociology

Degree obtained in December 2006

WORK EXPERIENCE:

Bank of Oklahoma - Mortgage Irving TX Home Retention Supervisor June 2022 – August 2025

- Supervised and lead a team of 15-20 home retention specialists.

- Provided guidance, coaching, and support to the team.

- Monitored performance and ensured all target metrics were met.

- Developed and implemented collection strategies to increase productivity and efficiency.

- Ensured strict compliance of all regulatory, investor and internal rules & regulations.

- Tracked and analyzed KPI’s (Key Performance Indicators) to ensure a high level of accountability.

- Worked in sync with other departments (i.e., bankruptcy, foreclosure, etc.) to best resolve issues

- Played a vital role in the onboarding, development and implementation of a totally new phone system.

LeMae Woodworking Rhome TX

Owner / Operator October 2018 – June 2024

-Made custom furniture, games, artwork etc., for any home and/or office.

-Refurbished existing furniture or wood products for customers

-Was able to create a successful brand from scratch in under 2 years using low cost approaches

Caliber Mortgage Irving TX

Sr. Loan Processor October 2019 – December 2020

-Managed up to 150 loans at a time to ensure a quality and timely closing

-Completed all tasks associated with the closing of a loan, up to and including funding.

-Worked closely with customers and 3rd party vendors to coordinate inspections, appraisals, roof work,

general repairs, etc., to ensure a smooth and quality closing.

-Worked closely with our IT department to help create a proprietary platform that was quick, efficient

and intuitive.

-Met and/or exceeded my monthly & quarterly goals without failure.

Nationstar Mortgage Irving TX

Loss Mitigation / Reverse Mortgage Assistant Vice President February 2012 – October 2018

-Oversaw a team consisting of 7 managers and up to 100 agents.

-Analyze non-REO losses. (Short pay-offs, Deed in Lieu, Charge off’s)

-Helped in the boarding of new loan acquisitions from several different banks to help become the largest

Reverse Mortgage servicer in the country.

-Analyzed entire Reverse portfolio to identify those customers best suited for short sale & DIL.

-Trained and developed each staff member on the FNMA best practices and received an A rating consistently.

-Created and maintained an employee engagement team responsible for organizing events, games, outings, etc.

-Projected month end results from over 500,000 accounts with a variance of less than 2% monthly.

-Mentored managers and agents to help them reach their ultimate goals within the company.

Nationstar Mortgage Houston TX

Loss Mitigation / Foreclosure Prevention Manager May 2010-February 2012

-Minimize financial loss by means of maximizing customer’s cash flow/collateral to create the

highest yield of return.

-Analyze non-REO losses. (Short pay-offs, Deed in Lieu, Charge off’s)

-Coach and monitor nine reps to prepare approval packets for senior management. (Payment

Workouts, Modifications, Forbearance Agreements)

-Project month end results based on collection efforts and trends.

-Review 400+ accounts monthly to evaluate specialist’s performance as a part of their monthly scorecards.

-Evaluate QA ratings to ensure accurate feedback to specialist is being administered.

Nationstar Mortgage Lewisville TX

Loss Prevention Manager (30/60 Day) March 2009-May 2010

-Provided leadership and direction for all activities related to collections including assignment

of loans, reducing losses and protecting assets.

-Administered monthly and annual performance evaluations on 8-10 direct reports.

-Minimized risk by monitoring individual performance to validate adherence to collection policies,

guidelines and regulations.

Nationstar Mortgage Lewisville TX

30 / 60 / Loss Mitigation Representative March 2007-March 2009

-Analyzed over 250 residential borrowers debt-to-income ratio to determine best workout solutions.

-Reviewed and analyzed borrower’s credit reports to ensure accuracy of borrowers solicited information.

-Worked in liaison with appraisers to evaluate current property values on defaulted mortgages and

negotiated short sales that minimized the losses to the company.

-Negotiated repayment arrangements with residential borrowers that included repayment plans, modifications,

and deeds in lieu.

-Advised borrowers of short-term and long-term repercussions of the different options they have regarding

their account and work for a mutually beneficial solution.

-Responsible for a high profile portfolio of over 250 accounts in the continental U.S. Primarily Florida and

North Carolina as well as the projections of the performance of that portfolio to management.

-Solicited, gathered and documented financial information to establish case leading to borrowers default.

Bass Pro Shops Outdoor World Grapevine, TX

Night Shift Receiving Team Leader June 2005 – March 2007

-Supervised employees in their daily duties

-Conducted store-to-store transfers

-Loaded and documented all merchandise exiting the warehouse

-Assisted each department in restocking at the end of the night

-In charge of all closing procedures including locking up

Bass Pro Shops Outdoor World Grapevine, TX

Loss Prevention Agent July 2002 – June 2005

-Participated in safety audits

-Protected store’s assets

-Assisted with the prevention of internal and external theft

-Responsible for First aid

-2 years of CCTV experience

-Responsible for verifying all federal firearms purchasing forms

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