Experienced Bilingual Mortgage Servicing Professional

EDUARDO HILARIO

**** ******** ****, **** #***, Irvine, CA 92612

949-***-**** (home) | 949-***-**** (mobile)

*.*******@*****.***

CAREER OBJECTIVE

Experienced bilingual mortgage professional seeking a challenging opportunity requiring strong organizational, analytical, and problem solving skills. Able to work effectively under pressure as well as retain the flexibility and adaptability to shift between individual and team oriented projects.

PROFESSIONAL EXPERIENCE

EPD/Repurchase/Collateral Analyst

Goldman Sachs & Co. St. Petersburg, FL 2007

Manage settlement of Repurchase & Scratch & Dent trades related to Early Payment Defaults, breach of Reps & Warrants, and Fraud

Responsible from initiation through completion of the trade settlement process on vetted claims

Coordination of post-settlement servicing transfer & collateral release processes and follow up

Establish & maintain relationships with mortgage companies, document custodians, & various GS business units

Supervisor, Loan Servicing

Homefield Financial, Inc. Irvine, CA 2006-2007

Supervision of Customer Service, Payment Processing, Escrow Administration, Servicing Accounting, Investor Reporting/Accounting, Collections, Loss Mitigation, Foreclosure, & REO

Research, review, & approve Property Tax Penalty Reimbursement requests & Investor EPD/Fraud/breach of Reps & Warrants Repurchase Requests including coordination of loan transfers & funds settlement

Perform daily supervisory approvals & act as the first point of escalation for customer service issues

Planning & development of department operations, including the establishment & implementation of Policies & Procedures

Sr. Loan Servicing Representative

Meritlending.com Costa Mesa, CA 2004-2006

Establishment of the Loan Servicing Department through the creation & implementation of Policies & Procedures for all department functions

Daily tasks include: account maintenance, Customer Service, Collections, Payment Processing, Escrow Administration, Servicing Accounting, Payoff Processing, & other duties pertaining to Interim Loan Servicing

Coordination of the servicing transfers for all loans sold in the Secondary Market including reconciliation & audit of Correspondent Purchase Advices

Ongoing evaluation of internal controls & process flows to develop recommendations for streamlining and revision of policies and procedures to maximize efficiency.

Escrow Representative II

Fremont Investment & Loan Anaheim, CA 2003-2004

Handle customer requests/questions regarding current/delinquent taxes, hazard insurance, Escrow Account analyses, and establishment of Escrow/Impound Accounts

Escrow GL account reconciliation/research

Creation of custom Q/C queries (reports) for the Escrow Departments as well as other departments

Assisted in the documentation of the Escrow Department’s Policies & Procedures

Primary Escrow Department trainer for all new-hires

Customer Service Representative II

Safeco FIS Santa Ana, CA 2001-2003

Answer outsourcing inbound calls from borrowers and/or liaison for premier mortgage companies

Efficiently serviced customer loans regarding hazard insurance while providing the highest levels of account security and customer service

Answer questions regarding homeowners insurance, verify if premiums were paid, check researches, and flood dispute issues

Cross-trained in the following departments: Accounting, Document Management, Payment Research, & Customer Resolution to provide assistance whenever required.

Customer Service Representative IV

WFS Financial Irvine, CA 2001

Bilingual representative answering inbound calls in a call center environment for the second largest auto lender in the nation

Service consumer auto loans while providing highest levels of account security and customer service

Answer questions regarding refinancing and take applications while adhering to company legal policies & procedures

Daily account maintenance, collected payments by phone, and established payment arrangements within the first 29 days of delinquency to mitigate potential losses.

EDUCATION & TRAINING

Associate of Arts Degree – Orange Coast College Costa Mesa, CA

Completion of General Education, lower division, and upper division coursework in pursuit of a Bachelor’s Degree in Humanities and Business Administration.

Harassment Prevention Program for Management

Management, Communication & Supervising Personnel

Conflict Resolution in the Workplace

AFFILIATIONS

Mentor/Tutor/Scholarship Committee Member

Save Our Youth (S.O.Y.) Scholarship Program Costa Mesa, CA

Volunteer Tutor for at-risk high school students in all subjects and levels.

Provided individual mentoring and counseling to participants of the S.O.Y. Scholarship Program.

Member of the S.O.Y. Scholarship Committee Board

SKILLS

Customer service oriented and proficient in customer relations and issue resolution

Knowledge of State & Federal Laws and Regulations related to Mortgage Loan Servicing and Originations

Knowledge of the following LOS: LoanSoft & Point

Knowledge of the following MSPs: Harland ILS, LSAMS, FISERV, & FIS (f/k/a Alltel/CPI)

Knowledge of MaxMilion, Exigen Visiflow, & Workflow imaging software

Knowledge of MS Word, Excel, Outlook, PowerPoint, & Access

REFERENCES

References available upon request

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