Seasoned professional with a strong background in customer service, REO mortgage default, claims, bankruptcy, collections and asset management. Proven track record of driving strategic decision-making and resolving complex issues with a solutions-orientated approach. Levering a background in law enforcement brings a disciplined, analytical mindset and strong investigative skills to every challenge. Committed to enhancing operational efficiency, supporting compliance, and contributing to the overall success and stability of the organization.
Overview
15
15
years of professional experience
1
1
Certification
Work History
SR. RENT COLLECTION ACCOUNT MANAGER
Home Partners of America – A Blackstone LLC
05.2023 - 04.2025
Directed daily management of portfolio consisting of 793 residential properties, facilitating prompt rent collection on real estate valued up to $1 million
Sustained 97.3% monthly rent collection rate through strategic collection initiatives
Facilitated exceptional customer service for residents, resulting in 86% satisfaction rate and garnering four 5-star Google reviews
Traveled out of state to participate in eviction hearings alongside attorney
Filed NTV-notice to vacate in accordance with state and local eviction laws and maintain compliance with state specific requirements related to FDCPA and the eviction
Resolved escalated customer issues, restoring confidence in company's commitment to service excellence.
REO Asset Manager
Freedom Mortgage
07.2021 - 08.2022
Managed oversight of outsourcing vendor for real estate owned properties from acquisition through closing and funding of sale-FHA, VA, USDA loans.
Streamlined sales pricing and contract negotiations to reduce losses and ensure compliance with internal guidelines
Assessed market analysis and delivered listing recommendations to 3rd party vendor, integrating suggested list price, projected sales price, and recommended preservation repairs or complete rehabilitation
Analyzed Broker Price Opinions and Appraisals in conjunction with proposed marketing plans provided by designated vendor for listing strategy.
Analyzed and authorized HUD and sale documents to ensure timely closing
Performed comprehensive analysis to uncover root causes and resolve gaps or delays in sale process
SR. TAX ASSOCIATE, OPERATIONS
CoreLogic
05.2020 - 07.2021
Reviewed loan closing documents, tax certificate, Initial escrow account disclosure, deeds for new acquisitions to determine property tax amounts
Revised all tax exemption filings and renewals, including military and agriculture exemptions.
Submitted liability claims for reimbursement
Completed escrow tax payment processing and matched payment checks to vouchers/bills to be shipped to the appropriate tax authorities
Conducted research for tax delinquencies via speaking with tax authorities to procure payoff amounts and determined the root cause for delinquency
Prepared clear written correspondence explaining complex tax concepts to clients in a simplified manner, enhancing their understanding of financial matters.
PRE-MARKETING ASSET MANAGER
Chronos Solutions aka Matt Martin Real Estate Management
06.2014 - 04.2020
Conducted research, prepared the required report analysis and documentation for phone conference meetings with the client as a subject matter expert
Trained new hire associates/ Conducted QA- coached associates
Approved invoice reimbursement for vendors - Preservation Company, agents, attorneys for services and cost incurred
Created monthly attorney file reporting for client / Sr management to create strategies to reduce portfolio cycle timeframe by 50% and offer recommendations for more effective operations
Effectively Negotiated relocation assistance offers on behalf of 3 major banks in the mortgage industry- resulted in 73% acceptance rate
Expertly worked with legal counsel to rectify deed/title issues, liens that could impact eviction proceedings
Managed property conditions to ensure mutual client maintains the residence pursuant to the Residential Landlord Tenant Ordinance; Collected Tenant monthly rent payments
Managed Property Preservation Vendors to ensure compliance with HOA, City and other government requirements
Communicate with local government agencies to remedy property violations by obtaining inspections
Review vendor bids, property condition reports to ensure HUD guidelines were followed
Responded to customer, former owners, tenants' questions and concerns
SR. LOAN SERVICE SPECIALIST / EVICTIONS TRAINER-SME
REO Department, Bank of America
02.2006 - 03.2014
Facilitated customer support by addressing inquiries and concerns related to mortgage servicing, including billing statements, escrow queries (tax, insurance, and escrow analysis), misapplied payments, and rectifying incorrect late payment/credit findings.
Processed requests from customers, third parties and internal staff for payment histories, amortization schedules, payoffs, verification of mortgage and loan document requests
Analyzed flood insurance provisions,homeowner insurance policy renewals and cancellations efficiently with clients to clarify options and risks.
Assisted with issues and concerns with Bankruptcy payments, special loan adjustments and PMI
Assessed property condition reports to guarantee property preservation vendor compliance with HOA, City, and additional government regulations
Communicate with government agencies to remedy property violations by obtaining updated inspections, vendor bids
Engaged in policy development and modification for immediate operational impact
Evaluated Broker(s) performance by analyzing all photos, records, and timeframes.
Supervised administration of 350+ multi-state pipeline concentrated on mortgage default loans.
Directed eviction process to achieve successful lockout completion
Created eviction job aide for eviction associates
Evaluated workflow for process enhancement opportunities to boost efficiency
Managed a third party outsource company
Certified OJTI (On the Job Training Instructor for REO Department)-completed Bank of America manager/ job trainer certification program
Delivered training presentations to large classes of new and existing eviction specialist 20+ in a classroom setting
Spearheaded initiatives aimed at improving operational workflows which led to increased productivity levels across the entire department by 10%
Education
Criminal Justice Studies - B.A -
Collin County Community College Law Enforcement Academy
06.1996
Diploma -
McKinney High School
McKinney, TX
05.1991
Skills
Customer service excellence
Financial analysis
Time management
Problem solving
Asset and portfolio management
Risk management
Property management
Leadership and training
Compliance and process improvement
Interpersonal skills
Multitasking Abilities
Certification
TCOLE Peace Officer License, State of Texas
All Lines Adjuster License, State of Texas
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
Collaborated on a 6-month occupancy initiative that increased occupancy from 84% to 94%, generating an additional 177k in revenue
Timeline
SR. RENT COLLECTION ACCOUNT MANAGER
Home Partners of America – A Blackstone LLC
05.2023 - 04.2025
REO Asset Manager
Freedom Mortgage
07.2021 - 08.2022
SR. TAX ASSOCIATE, OPERATIONS
CoreLogic
05.2020 - 07.2021
PRE-MARKETING ASSET MANAGER
Chronos Solutions aka Matt Martin Real Estate Management
06.2014 - 04.2020
SR. LOAN SERVICE SPECIALIST / EVICTIONS TRAINER-SME
REO Department, Bank of America
02.2006 - 03.2014
Criminal Justice Studies - B.A -
Collin County Community College Law Enforcement Academy