Ami McKernan
Castle Rock,CO
Summary
Accomplished Default Manager, adept in Operations Management and fostering employee engagement. Streamlined processes for a 20% productivity boost, championed cross-functional projects, and spearheaded risk mitigation. Excels in Business Development, driving revenue growth through innovative solutions and building high-preforming teams.
Overview
18
18
years of professional experience
Work History
Director of Foreclosure
Guild Mortgage
04.2025 - Current
- Managed foreclosure processes, ensuring compliance with legal requirements and company policies.
- Developed strategic plans to minimize losses and improve asset recovery rates.
- Led cross-functional teams in executing foreclosure strategies and enhancing operational efficiency.
- Analyzed market trends to inform decision-making and adjust strategies accordingly.
- Implemented process improvements that reduced turnaround time for foreclosure cases.
- Collaborated with legal teams to streamline documentation and expedite case resolutions.
- Established strong relationships with external vendors, such as attorneys, real estate agents, and property preservation companies, ensuring timely completion of required services.
- Managed a team of specialists to expedite the processing of foreclosures, resulting in reduced backlog and improved customer satisfaction.
Default Foreclosure and Loss Mitigation Manager
Mortgage Solutions Financial
03.2024 - 04.2025
- First mortgage servicing company nationwide to successfully establish to the VASP modification program.
- Reduced financial losses by implementing effective loss mitigation strategies.
- Established robust risk mitigation strategies to safeguard against potential operational challenges or disruptions.
- Managed a team of loss mitigation specialists, ensuring adherence to company policies and regulatory requirements.
- Improved loan portfolio performance through proactive risk identification and management.
- Facilitated successful cross-functional collaborations for the completion of key projects, fostering strong working relationships among team members.
- Analyzed borrower profiles to identify most appropriate loss mitigation options based on individual circumstances and risk factors.
- Enhanced client satisfaction by providing clear communication and timely updates on case progress.
- Collaborated with attorneys and paralegals, ensuring accurate preparation of court documents and timely submission.
AVP, Default Documents
Specialized Loan Servicing, LLC
07.2014 - 03.2024
- Strong ability to work independently and in a team environment
- Ability to motivate staff and manage relationships with external and internal partners
- Manage daily processing functions for the Default Resolution Audit/Document Department all vendors relating to the department
- Manage staff of up to 10-12 analysts to include training, time management, performance, compliance, communications and HR issues
- Ensure compliance with CFPB, FHA, GSE and Investor Specific processing guidelines, including customer notifications and process updates, internal risk analysis
- Prepare monthly reports, forecast work volumes, validate department staffing needs, and manage to Key Performance Indicators
- Able to speak to issues or take away items for further review
- Facilitate department meetings, communications, functions and activities
- Initiate and facilitate projects leading to enhancements or improvements within the department
- This includes determination of improvements needs, submitting detailed project requirements, communication with other departments, testing and validation
- Maintain and review regular compliance for all controls handled within the department
- Ensure all KPI’s are met for expected turnaround times, proper system coding and exception reporting
- Responsible for Vendor oversight including monitoring, auditing, billing and ongoing relationship management.
Customer Resolution Supervisor
Specialized Loan Servicing, LLC
03.2010 - 07.2014
- Call Center management
- Manage staff of 7 - 10 agents to include time management, training, and motivating for superior performance
- Oversee processes and controls to ensure superior servicing, to meet quality and productivity goals
- Identify opportunities for improvement and implement policies and producers to improve operational efficiency and expense reduction through workflow automation
- Handle all department escalations and complaints
- Monitor staff to ensure superior customer service and policy compliance
- Ensure staff is meeting departmental productivity standards
- Create and manage strategies to maximize production through customary deal programs
- Monitor and dispute QA.
Customer Resolution Associate
Specialized Loan Servicing, LLC
08.2007 - 03.2010
- Managed a monthly portfolio of 180 - 220 mortgage loans that are 90+ days delinquent
- Managed and controlled and extensive portfolio of consumer real estate loans, including special servicing, non-conventional 1st mortgages, 2nd mortgages and home equity lines of credit
- Performed as a nationwide “Workout Specialist”, functioning as a loan resolution point person for assets in default
- Provide resolution of delinquent accounts; negotiated complex modifications, negotiated settlements, including short sales and alternative payment plans
- Provided basic loans servicing to complex
- Always at the top of the quality assurance scores.
Education
High School Diploma -
Huntington Beach High School
Huntington Beach, CASkills
- Proficient in software applications including: Microsoft Office, Outlook, Mortgage Serv, LAMP, MSP, Lyrical, BKFS, Pacer, SalesForce
- Loan Modification
- Regulatory Compliance
- Portfolio Management
- Short Sale Expertise
- Foreclosure Prevention
- Loss mitigation strategies
- Default Management
Highest Qualifications
A highly skilled Mortgage Servicing Professional with 16 years of experience in managing conforming and non-confirming real estate mortgage portfolios with emphasis on default servicing. Strong motivational and team building, skills resulting in superior performance.
Timeline
Director of Foreclosure
Guild Mortgage
04.2025 - Current
Default Foreclosure and Loss Mitigation Manager
Mortgage Solutions Financial
03.2024 - 04.2025
AVP, Default Documents
Specialized Loan Servicing, LLC
07.2014 - 03.2024
Customer Resolution Supervisor
Specialized Loan Servicing, LLC
03.2010 - 07.2014
Customer Resolution Associate
Specialized Loan Servicing, LLC
08.2007 - 03.2010
High School Diploma -
Huntington Beach High School