AMBER TROUPE
Huntsville,AL
Summary
Results-driven Mortgage and Loss Mitigation Specialist with a strong background in guiding borrowers through foreclosure risk management and navigating foreclosure proceedings, focusing on Fannie Mae and Freddie Mac products. Exceptional organizational skills and meticulous attention to detail to ensure seamless handling of all process aspects. Proven ability to prioritize tasks effectively while continuously seeking opportunities for process improvement. Committed to delivering compassionate support and expert guidance to empower borrowers and clients in achieving optimal outcomes.
Overview
6
6
years of professional experience
1
1
Certification
Work History
FNMA and FHLMC Servicer Specialist
Redstone Federal Credit Union
12.2023 - Current
- Fannie Mae and Freddie Mac mortgage subject matter expert.
- Maintained training in Fannie Mae and Freddie Mac servicing, foreclosure, and bankruptcy regulations.
- Confirmed and tracked borrowers' compliance with loan conditions and covenants.
- Helped clients navigate options to maintain homeownership and processed default work out options such as forbearance, payment deferrals, and modifications.
- Managed and responded to correspondence and inquiries from clients and vendors.
- Received and submitted borrower payments to further reduce open account balances.
- Prepared all notices of default required by RESPA.
- Administered property foreclosures, encompassing proper and timely assignation of cases to attorney.
- Reviewed foreclosure litigation paperwork, affidavits, and post-sale documents.
- Analyzed foreclosure sale bids, judgments, reinstatements and payoffs.
- Collaborated with attorneys and other legal personnel on foreclosure and bankruptcy documentation reviews, making necessary corrections.
- Supervised processing of foreclosure and bankruptcy activities and responded timely to alerts to ensure foreclosure and bankruptcy timeline management.
- Maintained record keeping and reporting requirements internally and to third-parties.
- Completed document preparation and record keeping using Microsoft Office products and internal systems.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Resolved problems, improved operations and provided exceptional service.
- Excellent attention to detail while completing assignments.
- Remote and hybrid work environment.
- Passionate about learning and committed to continual improvement.
Collection Customer Service Representative
Redstone Federal Credit Union
05.2023 - 12.2023
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Responded to customer inquiries and provided detailed account information.
- Established relationships with customers to encourage payment of delinquent accounts.
- Investigated and resolved customer inquiries and complaints quickly.
- Analyzed customer financial records to determine appropriate payment plan.
- Entered client details and notes into system for interdepartmental access and review.
- Utilized skip tracing methods to locate hard-to-find, re-located customers.
- Initiated repossession process or service disconnection upon failure of other collection methods.
- Met customer call guidelines for service levels, handle time and productivity.
- Exhibited high energy and professionalism when dealing with clients and staff.
Branch Relationship Banker
PNC Bank
09.2021 - 05.2023
- Apply effective time management skills to complete daily tasks and ongoing projects with great attention to detail
- Collected cash and checks for deposit or processed withdrawals by examining checks for endorsements, verifying amounts, inputting into computer systems and printing receipts.
- Thorough product knowledge to engage with clients in person, virtually, and over the phone to promote solutions to financial needs and goals
- Proficiency in multiple computer programs to complete account services, loan applications, and conduct research
- Helped customers prepare documents required to complete transactions and process requests.
- Cross-sold wide range of services and products to increase new business and expand existing customer relationships.
- Engage with multiple company partners and departments to meet the financial and processing needs of clients
- Manage daily branch operations and files to mitigate risk and ensure timely reporting
- Maintain daily records of personal activity and client interactions
- Perform notary services
- Operate general office equipment
- Manage office supply inventory and ordering
- Lender certified
Bartender
Cinemark: The Scene
11.2019 - 04.2020
- Handled simultaneous customer, team, and business needs while avoiding unnecessary delays or errors.
- Adhered to state laws regarding alcoholic beverage services and customer regulations.
- Organized bar inventory and storage to keep stock within optimal levels and meet expected customer demands.
- Handled cash and credit sales.
Education
Associates of Business -
Calhoun Community College
Huntsville, AL05.2010
Skills
- Portfolio management
- Foreclosures and liquidations
- Mortgage loss mitigation
- Legal compliance
- Document verification
- Data entry and record management
- Client relationship building and resolutions
- Workflow management
- Quality control and attention to detail
- Multitasking and organization
- Microsoft Office and Tech-savvy
Certification
- 2019, Certifications of training in Microsoft applications including Excel, Outlook, QuickBooks, Access, Word, and PowerPoint.
- Completed a training course in accounting fundamentals.
ACTIVITIES AND RELATED EXPERIENCE
- Began work experience with 6 years of waitressing, along with a variety of other restaurant positions, often working very long hours in high paced environments that called for constant organization, customer satisfaction, team work, and a positive attitude.
- Created and sold handmade items online and in person for 8 years gaining experience in bookkeeping and accounting, time management, networking, website operations, and positive customer interactions to create long lasting relationships.
- Managed a small music and arts production group with responsibilities that included project management, cash handling, marketing, diverse communications, and regulation awareness.
Timeline
FNMA and FHLMC Servicer Specialist
Redstone Federal Credit Union
12.2023 - Current
Collection Customer Service Representative
Redstone Federal Credit Union
05.2023 - 12.2023
Branch Relationship Banker
PNC Bank
09.2021 - 05.2023
Bartender
Cinemark: The Scene
11.2019 - 04.2020
Associates of Business -
Calhoun Community College