ALYSSA M. GOFORTH
Muncie,Indiana
Summary
Attentive and dependable with solid understanding of both the real estate and financial industry laws and regulations. Experienced with working out alternatives such as short sales to prevent foreclosures and customer bankruptcies. Highly organized and methodical with strong attention to detail. Service-oriented and responsible with good understanding of real estate practices and financial regulations. Well-versed in options such as short sales to avert foreclosing on properties. Well-organized and detail-oriented with systematic approach.
Overview
12
12
years of professional experience
Work History
LOSS MITIGATION SPECIALIST II
First Merchants Bank
Daleville, IN
06.2013 - Current
- Handle Short Sales, Foreclosures Forbearance Agreements, Repayment Plans, Deed in Lieu and Bankruptcy filings
- Maintain pipeline of over 100 accounts
- Research trustee payments and Bankruptcy cases
- Work with legal counsel on Bankruptcies, Foreclosures, Forbearance Agreements, Short Sales, Deed-in-Lieu of Foreclosures, property taxes, Evictions, Estates, etc.
- Support co-workers within Credit Control and across corporation
- Analyze risk of loss related to catastrophe possible loss or severity
- Manage portfolio to control overall mix of accounts and exposures
- Determined feasibility of foreclosure by reviewing property assessments
- Helped clients and attorneys complete short sales
- Put together and send out reinstatement and payoff quotes
- Determine level of acceptable risk by reviewing applications for coverage and loss control reports
- Verified income of borrower and gathered credit information
- Conducted comprehensive analysis and evaluated risk to control underwriting loss
- Provide information about different property liquidation options
- Work with customers to put together plans focused on retaining property ownership
- Contact borrowers to assess reasons for default, individual intents and options for resolving issues.
- Remain updated with latest information related to mortgage products and services being offered.
- Analyze credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluate pay stubs, credit history, tax information and bank statements for financial status.
- Explain legal aspects of loan to borrower, as well as payment terms and clauses.
- Collaborate with and facilitate communications between borrowers and lenders to obtain ideal loans for home purchases.
- Assess clients' financial data to determine loan suitability.
- Control loss by assessing risk, conducting system analysis and recommending policy solutions.
- Review applications for insurance coverage and reports from loss control specialists to determine risks.
- Create profitable and efficient solutions.
- Evaluate debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Examine potential loss stemming from catastrophe, severity or frequency of possible loss.
- Discussed property liquidation options with customers.
- Checked property valuations to assess foreclosure feasibility.
- Establish plans and payoffs for customers' loans, prioritizing control of overall costs.
- Remained updated with latest information related to mortgage products and services being offered
- Assist with short sales and deed in lieu processes
- Check property valuations to assess foreclosure feasibility
- Help customers navigate options to maintain homeownership
- Monitor pipelines to track and log status of loans
- Proactively identify solutions for customers experiencing credit issues
- Monitor property preservation of foreclosed or abandoned properties
- Work with Realtor to calculate best list price to get property sold for fair price and in least amount of time.
- Work with property preservation vendors to ensure properties are secured and any hazards are remedied.
- Obtain bids from vendors to property preservation, debris removal, landscaping, utility transfers, gutter cleaning and overgrowth removal.
OPERATIONS SPECIALIST
First Merchants Bank
Daleville, IN
05.2012 - 06.2013
- Process Bankruptcy Notices
- Submitted Change in Status forms for Bankruptcy, Charge off Loans, Non-Accrual loans, Etc.; to ensure proper loan coding for credit bureau reporting and to abide by all laws and regulations set forth.
- Processed Trustee payments to ensure proper application
- Monitor Bankruptcy payment Queue to make sure accounts didn't fall behind and to ensure proper payment application.
- Review Tax Sale Notices and complete property analysis to determine if bank will pursue redemption and reach out to borrower for plan to eliminate delinquency.
- Support co-workers within Credit Control as needed.
- Complied over 200 attorney demand packets
- Reviewed over 2000 Deceased accounts to find Successor in Interest individuals
ACCOUNT SERVICE SPECIALIST
First Merchants Bank
Daleville, IN
06.2010 - 05.2012
- Process all DDA/SVG maintenance
- Der & process ATM/Debit card
- Complete E-statement process daily
- Maintained positive account relationships through regular contact and knowledgeable service for every need
- Entered and processed customers' orders with high accuracy and followed up on open tickets to coordinate deliveries and resolve issues
- Resolved account issues with strengths in research, problem-solving and solution development
- Reviewed accounts regularly to assess adequacy of current coverage and identify sales opportunities
- Ordered over 200 debit cards daily
- Answered inbound customer calls and responded to inquiries
- Supported customer service goals and enhanced relations through friendly, knowledgeable and positive communication
- Responded to customer questions about products and services
- De-escalated problematic customer concerns, maintaining calm, friendly demeanor
- Delivered fast, friendly and knowledgeable service for routine questions and service complaints
- Utilized active listening and communication skills to address customer inquiries and escalate issues to supervisor
- Answered incoming calls and offered highest level of professionalism and knowledgeable service to every customer.
Education
Licensed Cosmetologist - Cosmetology
PJ's Beauty College
Muncie, IN07.2005
High School Diploma - undefined
Monroe Central High School
06.1998
Skills
- Over 21 years in Banking Industry
- Credit File Updating
- Payment Schedule Computation
- Tax Liability Calculation
- Credit History Review
- Loan Feasibility Assessment
- Problem Solving
- Attention to Detail
- Property Evaluation
- Customer Relations
- Regulatory Disclosure Preparation
- NMLS Registration
- Analytical and Critical Thinking
- Networking and Partnership Development
- Sound Judgment
- Time Management
- Multitasking and Prioritization
- Verbal and Written Communication
- Microsoft Office
- Financial Accounting
Timeline
LOSS MITIGATION SPECIALIST II
First Merchants Bank
06.2013 - Current
OPERATIONS SPECIALIST
First Merchants Bank
05.2012 - 06.2013
ACCOUNT SERVICE SPECIALIST
First Merchants Bank
06.2010 - 05.2012
Licensed Cosmetologist - Cosmetology
PJ's Beauty College
High School Diploma - undefined
Monroe Central High School
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