Aesha Dixon
Irving,TX
Summary
Seasoned Manager with broad experience in both team leadership and project delivery. Possess strong strategic planning abilities, coupled with the capability to coordinate operational initiatives for maximum efficiency. Proven track record of driving process improvements, enhancing productivity, and implementing innovative solutions. Skilled in building strong relationships across all levels of an organization to achieve business goals.
Overview
16
16
years of professional experience
Work History
Commercial Construction Control Manager
Civic Financial Services
Redondo Beach, CA
06.2022 - 03.2023
- Responsible for managing a team of 9 commercial construction control specialists who were responsible for daily operations of an effective program in compliance with all applicable laws, rules and regulations
- Ensures controls are in place to safeguard Civic assets, third-party vendor risk is proper and effective, while providing a high level of customer service
- Responsible for driving continuous improvement and collaborating with internal business partners to build cohesive and successful construction partnerships
- Ensure a high level of understanding of business products, technology, process flow and construction practices
- Understand the complete breakdown of professional services and related risks provided by vendors and current support services for Civic
- Preparation of reports and monitoring employee performance
- 1:1 monthly scorecard review with each individual associate
- Host weekly KPI and team meetings
- Subject matter expert for the construction loan program, including creating, implementing, maintaining policies, procedures and improvement to the construction system
- Ensures the program addresses Civic strategy and execution as well as relevant regulatory requirements
- Proactively recommends process, service or technology improvements that will result in cost reduction, improved productivity and service performance
- Support knowledge sharing across Civic; designs, develops and delivers training
- Assists all areas of construction management including contractor approval, budget feasibility and draw disbursement processes
- Providing support to team, and members of management
- Training development and coaching of agents
- Monitoring schedule adherence and ensuring that subordinates are utilizing time productively
- Ensure sales is supported during initial loan setup, underwriting is updated with rush details and other pertinent live deal, specific items such as revisions and post-closing risk is managed for Capital Markets
- Participate in scheduling onsite inspections and verifying collateral acceptability
- Provides reporting to Construction Control Director on Construction Management program activities and compliance
- Ensures required records are retained in accordance with the policy and procedure
- Work collaboratively and build relationships across the organization with Sales and Sales Support team
- Supports development of my team
Construction Draw Disbursement t/Collateral Oversight Manager
Residential Capital Partners LLC
Dallas, TX
04.2019 - 05.2022
- Entrusted to ensure operational service levels within the department are managed and achieved
- Utilize various systems, platforms, applications, and data repositories
- Review initial loan applications and work with borrower to gather appropriate documentation
- Providing fair fast and final resolutions directly to the client for any inquiries or issues around specific files
- Employing communication skills to correspond with the occupant via numerous channels inclusive of phone or email to negotiate vacate dates
- Collaborating with the client and appraiser to coordinate ordering 1004 ARV appraisals
- Create loan submission packages for underwriting review and approval
- Satisfy all conditions once file is returned from underwriting
- Ensure loan approval is within lender’s established guidelines
- Strong knowledge in document perfection matrix
- Coordinate closings with title companies
- Oversaw rehab projects to ensure borrowers were completing the property rehabs within the timeframe allotted
- Mitigation exposure losses by collaborating with borrowers to fund repair draws in a timely manner
- Communicate with Appraisal Vendors to obtain clarification and additional supporting explanations
- Adheres to bank policies and procedures and complies with legal and regulatory requirements including appraisal industry’s concepts and practices
- Report inconsistencies and irregularities on appraisals to the loan originations department
- Following the defined residential construction and renovation loan disbursement process
- Transfer loans from loan origination system to draw administration system
- Assemble draw packages
- Monitor each line item in the project budget
- Order title updates, verify lien position, order surveys
- Maintain tracking logs
- Communicate with the borrower, contractor, loan originator, and others regarding status or construction draws
- Disburse draws
- Review construction / renovation bids
- Ensures internal and external loan audit findings are properly addressed by staff and management and develops and implements action plans, as necessary
- Knowledgeable about common construction practices, construction residential builder contracts, residential project budgets, construction materials, and methods with a focus on being able to identify issues that could impact the project during construction project build
Eviction Specialist/ Cash for Keys Specialist/Post Liquidation Specialist
Green River Capital
Dallas, TX
11.2015 - 04.2019
- Entrusted to service Loss Mitigation Liquidation efforts for Fannie Mae loans
- Additionally, responsible for the timely and accurate execution of timely ordering monitoring to support the Cash for Keys arrangements to minimize the loss of company assets
- Providing review and oversight of loans during redemption, confirmation, and ratification periods
- Due to adept business acumen and communication skills entrusted to serve as a Liaison and primary point of contact client and attorney contact throughout the eviction process, cash-for-keys, & redemption phase
- Providing fair fast and final resolutions directly to the client for any inquiries or issues around specific files
- Employing communication skills to correspond with the occupant via numerous channels inclusive of phone or email to negotiate vacate dates
- Collaborating with the client foreclosure attorney or client approved attorney
- Requesting evictions using analytical ability evaluating if 'cash-for-keys' a feasible option on a case-by-case basis
- Delegated to negotiate and track 'cash-for-keys' agreements with the partnership and collaboration of the assigned agent
- Monitoring the eviction process SLA with the attorney
- Entrusted to track attorney’s performance and identify process gaps and areas of opportunity where the attorney can service all parties more effectively and efficiently
- Keep client informed on the status of the eviction and 'cash-for-keys'
- Upon completion of eviction or 'cash-for-keys' executing the delivery of the file to appropriate Asset Specialist and notifying the client to affirm completion of their loan status
- Send cancellation and billing instructions to the eviction attorney to execute final closing of the file
- Recording and maintaining accurate, up to date historical information in the AMS system of record
- Maintaining knowledge of State regulated timeframes and forwarding files to the assigned Asset Specialist or beginning the eviction process if occupied and executing the closure of redemption/confirmation/ratification
Eviction Specialist/ Cash for Keys Specialist/Post Liquidation Specialist
CoreLogic
Dallas, TX
01.2012 - 11.2015
- Entrusted to service Loss Mitigation Liquidation efforts for Fannie Mae loans
- Additionally, responsible for the timely and accurate execution of timely ordering monitoring to support the Cash for Keys arrangements to minimize the loss of company assets
- Providing review and oversight of loans during redemption, confirmation, and ratification periods
- Due to adept business acumen and communication skills entrusted to serve as a Liaison and primary point of contact client and attorney contact throughout the eviction process, cash-for-keys, & redemption phase
- Providing fair fast and final resolutions directly to the client for any inquiries or issues around specific files
- Employing communication skills to correspond with the occupant via numerous channels inclusive of phone or email to negotiate vacate dates
- Collaborating with the client foreclosure attorney or client approved attorney
- Requesting evictions using analytical ability evaluating if 'cash-for-keys' a feasible option on a case-by-case basis
- Delegated to negotiate and track 'cash-for-keys' agreements with the partnership and collaboration of the assigned agent
- Monitoring the eviction process SLA with the attorney
- Entrusted to track attorney’s performance and identify process gaps and areas of opportunity where the attorney can service all parties more effectively and efficiently
- Keep client informed on the status of the eviction and 'cash-for-keys'
- Upon completion of eviction or 'cash-for-keys' executing the delivery of the file to appropriate Asset Specialist and notifying the client to affirm completion of their loan status
- Send cancellation and billing instructions to the eviction attorney to execute final closing of the file
- Recording and maintaining accurate, up to date historical information in the AMS system of record
- Maintaining knowledge of State regulated timeframes and forwarding files to the assigned Asset Specialist or beginning the eviction process if occupied and executing the closure of redemption/confirmation/ratification
Default Servicing Customer Advocate
Wingspan Portfolio Advisors
Plano, TX
08.2011 - 01.2012
- Responsible for the timely and accurate review and research of loan documents in various stages of delinquencies to determine loss mitigation issues and determine the next steps depending on the findings
- Executing the review and pre-audit files to and using established quality standards to ascertain if any errors, deficiencies, or misrepresentations that may be identified in the foreclosure review resulting in financial injury to the mortgagee or the borrower
- Responding to customer written escalated complaints regarding workout assistance
- Researching customers’ mortgage accounts utilizing various systems
- Coordinated with legal counsel on non-performing loans to take appropriate action to protect corporate assets
- Verified and researched borrower payment history and resolve payment posting discrepancies with cash management (General Ledger Balancing)
- Operated within First Legal Deadlines to promptly submit Proof of Claims and Motion for Reliefs requests in a timely and accurate manner to bankruptcy court districts
Loss Mitigation Team Lead (Default Servicing/Home Retention)
CitiMortgage, Inc.
Irving, TX
12.2007 - 07.2008
- Responsible for providing leadership and oversight to a team of 10-15 collectors
- My job responsibilities were inclusive of the following:
- Providing support to team, and members of management
- Training development and coaching of agents
- Monitoring schedule adherence and ensuring that subordinates are utilizing time productively
- Handling call escalations and resolving complex customer issues that require diligence and/or additional research and providing ultimate and optimum service experience to both customers and agents that require assistance in resolving delinquent accounts
- Quality review and monitoring to ensure that subordinates are following all legal and ethical guidelines such as adherence to FDCPA, FCRA, and state regulations as well
- Providing Managers with administrative assistance and feedback to assist with preparation overall employee performance evaluations
- Preparation of reports and monitoring employee performance
Loss Mitigation Specialist III
CitiMortgage, Inc.
Irving, TX
12.2006 - 07.2007
- Responsible for finding and effectively resolving complex issues regarding past due payments while mitigating company losses and with a focus upon maintaining homeownership
- If homeownership preservation is not feasible, I collaborate with customers on a case-by-case basis to determine an appropriate exit strategy
- Once diagnosed, guide the borrower into the resolution treatment best suited for him/her
- Intake verbal financials; pre-qualify customers for modification or determining other Loss Mitigation options
- Utilizing tools such as verbal inquiry, communication with third parties, attorney’s and BPO’s, to verify condition and status of the property
Education
Bachelor of Science - Business Administration
Jackson State University
05.2008
Skills
- Collection Laws/FDCPA
- RESPA
- Mortgage Servicing
- Bankruptcy Laws (Chapter 7 & 11)
- Vendor Management
- Foreclosure Timelines
- Loss Mitigation
- MSP
- LPS
- Encompass
- MERS
- COGNOS
- AD-HOC
- SQL
- Operations Management
- TruePic
- Project Management
- Visio
- PACER
- IVR
- NICE
- Aspect
- Fiserv
- AVAYA
Timeline
Commercial Construction Control Manager
Civic Financial Services
06.2022 - 03.2023
Construction Draw Disbursement t/Collateral Oversight Manager
Residential Capital Partners LLC
04.2019 - 05.2022
Eviction Specialist/ Cash for Keys Specialist/Post Liquidation Specialist
Green River Capital
11.2015 - 04.2019
Eviction Specialist/ Cash for Keys Specialist/Post Liquidation Specialist
CoreLogic
01.2012 - 11.2015
Default Servicing Customer Advocate
Wingspan Portfolio Advisors
08.2011 - 01.2012
Loss Mitigation Team Lead (Default Servicing/Home Retention)
CitiMortgage, Inc.
12.2007 - 07.2008
Loss Mitigation Specialist III
CitiMortgage, Inc.
12.2006 - 07.2007
Bachelor of Science - Business Administration
Jackson State University
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