Angelica Esparza

The Bankruptcy Rep oversees the handling of bankruptcy processes on assigned loans within the guidelines of FHA, VA, PMI, Fannie Mae, Freddie Mac, private investors, and federal and state laws.

• Answering inbound calls, routing calls to appropriate processors
• Answering basic questions and processing pay by phone payments
• Bill back fees in bankruptcy back to client, Freddie or Fannie
• Receive email from bankruptcy processor with invoices that need to be billed
• Follow up to confirm fees were moved and or collected
• Monitor activity on bankruptcy files to protect the organization and client’s interest on loans impaired by bankruptcy filing.
• Monitor assigned loans to ensure all activities are handled within departmental and regulatory guidelines and time frames.
• Ensure proof of claim is filed correctly and that an acceptable plan is entered and approved within required guidelines.
• Process cash; pay attorney and vendor invoices.
• Prepare or cause preparation of all correspondence for assigned accounts.
• Research and respond to debtor and investor inquiries timely and accurately.
• Process file when a bankruptcy is dismissed, stay lifted, or the loan has reinstated.
• Monitor all aspects of outsourcing firm and report performance/issues to management.
• Coordinate with outsourcing firm to ensure all information necessary to conduct the bankruptcy action is received.
• Monitor and maintain bankruptcy reports to ensure compliance with departmental and regulatory guidelines.
• Keep bankruptcy screens updated accurately and timely.
• Managed multiple priorities effectively, often working on several projects simultaneously while meeting all deadlines.
• Participated in regular team meetings to discuss ongoing projects and address any challenges or areas for improvement.
• Conducted thorough quality checks on completed documents, maintaining an exceptional level of accuracy and attention to detail.
• Maintained strict confidentiality when handling sensitive information, adhering to company policies and regulations at all times.

• Carl Buddig is a meat producing company. My duties were to weigh racks of meat, receiving trucks, and loading ovens.
• Maintained clean and organized worksites, minimizing hazards and promoting a safe working environment.
• Loaded, unloaded, and moved material to and from storage and production areas.
• Demonstrated strong work ethic, completing physically demanding tasks under varying conditions.

• Built a high performance team through continuous development
• Used goals and performance standards to maximize employee potential
• Focus on talent development /succession planning and prepare employee for high positions
• Exceeded sales goals by 33%, achieving the store's highest sales ever
• Traveled throughout a 5-Star district to train new Managers
• Maintained highest store volume for the district

• Responsible for assisting the Store Manager with routine daily operations
• Met personal sales goals, resulting in recognition from regional Manager
• Managed opening and closing procedures and recommended changes to enhance efficiency of daily activities
• Coached team on effective upselling and cross-selling methods
• Helped with planning schedules and delegating assignments to meet coverage and service demands