Alphonso Thurman
Mortgage
Ocala,FL
Summary
Dynamic Loss Mitigation Specialist with a proven track record at Essex Mortgage, adept at document analysis and debt negotiation. Successfully managed complex financial reviews, ensuring compliance with regulatory standards while consistently exceeding delinquency targets. Recognized for effective listening and dispute resolution skills, driving positive outcomes for distressed borrowers.
Overview
9
9
years of professional experience
Work History
Founder/Owner
Natures's Purest
01.2024 - Current
- Regulatory Compliance: Maintained strict adherence to safety and packaging standards for consumer products ,ensuring 100% quality control on all outgoing inventory.
- Financial Management: Oversees all P&L responsibilities, including revenue forecasting , expense tracking and capital allocations to support business growth.
- Client Relationship Management: Built a loyal customer base through effective communication and proactive service, skills directly transferable to managing borrower pipelines.
- Operational Precision: Managed complex production schedules and vendor contracts with high attention to detail mirroring the accuracy required in loan processing and underwriting .
Loss Mitigation Single Point Of Contact Specialist
Essex Mortgage
11.2022 - Current
- Primary Point of Contact : Managed end - to - end communication for distressed borrowers ,ensuring a seamless experience from initial inquiry to a final resolution.
- Portfolio Management : Orchestrated the review of complex financial packages to approve loan modifications, short sales, and forbearance plans.
- Regulatory Compliance: Maintained 100'% adherence to CFPB, FHA, and VA guidelines to minimize corporate risk and legal exposure.
- Performance Metrics: Consistently exceeded monthly targets for delinquency pull through rates.
- Cross Functional Liaison: Collaborated with underwriting , legal and foreclosure departments to accelerate workout timelines .
Marketing/Sales/Senior Collections Specialist
Exploria Resorts
07.2017 - 2021
- Negotiated to collect balance in full.
- Counseled debtors on payment options and arranged installment agreements.
- Used skip tracing and other techniques to locate debtors.
- Trained new team members on scripts, company services, and collection strategies.
- Successfully negotiated alternative payment arrangements and repayment options for customers facing financial difficulty.
- Facilitated COVID-19 mortgage deferrals, ensuring Exploria clients maintained good account and credit standing.
Education
High School Diploma -
Honor Roll
Extracurricular Activities: photo voltaic certificates
Skills
- Loss mitigation
- Document analysis
- Support for underwriting processes
- Document evaluation
- Client pre-qualification
- Debt negotiation
- Effective listening
- Skilled in resolving disputes
- Bankruptcy case handling
- Invoice collection expertise
Timeline
Founder/Owner - Natures's Purest
01.2024 - Current
Loss Mitigation Single Point Of Contact Specialist - Essex Mortgage
11.2022 - Current
Marketing/Sales/Senior Collections Specialist - Exploria Resorts
07.2017 - 2021
Nyack High School - High School Diploma,