Ashley Cabanas
Simi Valley,CA
Summary
Strategic Operations Leader with over 15 years of mortgage servicing expertise, including 6 years of high-impact leadership managing diverse, high-risk default portfolios. A default servicing specialist with a proven track record of protecting high-value regional assets through the expert management of Collections, Foreclosure, Bankruptcy, and Loss Mitigation. Recognized for an accelerated career path driven by deep-domain knowledge of multi-state regulations (FDCPA, HUD, CRA) and the ability to align complex investor guidelines with aggressive organizational KPIs. Transformative mentor who has spent the last 6 years building high-performing teams, modernizing departmental SOPs, and implementing data-driven monitoring to ensure long-term portfolio stability in volatile markets.
Overview
2026
2026
years of professional experience
Work History
Supervisor Customer Contact Collections
PennyMac Loan Services, LLC
Moorpark, CA
06.2020 - Current
- Directed daily operations for a team of 8-12 agents, prioritizing market-aligned strategies to meet key performance indicators and ensure 100% FDCPA and CRA relevant mortgage regulations.
- Diverse asset performance by implementing a structured coaching and calibration framework, resulting in improved quality scores and accelerated professional development of team members.
- Coach and mentor agents through tailored workshops and individual action plans, successfully preparing staff for internal career advancement.
- Cultivate a high-retention, value-driven environment, reducing turnover by aligning team culture with organizational objectives and fostering professional growth.
Loan Resolution Counselor
Logix Federal Credit Union
Burbank, CA
10.2019 - 06.2020
- Modernized departmental resources by implementing first-generation job aids and reduced onboarding time for new staff by 20% while standardizing training across consumer and mortgage loan resolutions.
- Managed a diverse portfolio of consumer loans, negative shares and mortgage loans, counseling members on loss mitigation options to prevent loss.
Corporate Trainer
PennyMac Loan Services, LLC
Moorpark, CA
12.2017 - 10.2019
- Oversaw onboarding processes for new hire orientation and loan servicing curriculum for over 100 new employees.
- Facilitated specialized curriculum for new hires and tenured staff across Collections and Loss Mitigation, enhancing departmental technical proficiency.
- Set training strategy by collaborating with Senior Management to identify training gaps and modernize curriculum to meet evolving production goals and organizational objectives.
- Developed comprehensive training resources and official Standard Operating Procedures (SOPs) for servicing operations to ensure regulatory compliance across diverse loan portfolios.
Loan Counselor III
PennyMac Loan Services, LLC
Moorpark, CA
11.2014 - 12.2017
- Served as On-the-Job (OJT) Trainer and Acting Supervisor, directly supporting leadership in onboarding initiatives and managing daily market operations as needed.
- Spearheaded the launch of a specialized research and escalation team by creating foundational curriculum and training procedures for high-priority account resolution.
- Managed a revolving portfolio of 40-50 complex escalated loans, ensuring 100% adherence to strict SLAs.
Business Control Analyst
Bank of America
Simi Valley, CA
01.2011 - 01.2014
- Audited complex foreclosure and liquidated portfolios to ensure 100% data integrity and compliance for charge-offs and HUD conveyance.
- Developed routine performance reporting and statistical analysis, presenting findings to cross-functional departments to drive productivity.
Short Sale Negotiator / Bankruptcy Specialist
Bank of America
Simi Valley, CA
2009 - 01.2011
- Negotiated high-volume portfolios of 100+ loans, analyzing homeowner financials and HUD accuracy to minimize investor loss.
- Performed deep-dive financial analysis on tax returns, credit reports and DTI ratios, corresponding with Investors and Mortgage Insurance companies to ensure minimal loss on property sales.
Education
Business
Moorpark College
Moorpark, CASkills
- Strategic Collaboration
- Risk Mitigation
- Conflict Resolution
- Community Engagement
- Portfolio Management
- Regulatory Compliance
- Investor Relations & Adherence
- Credit Analysis
- Instructional Design
- Team Leadership
- Training & Development
- Data & Software: MSP/Black Knight, Encompass, SharePoint, Google Workspace and MS Excel
Timeline
Supervisor Customer Contact Collections
PennyMac Loan Services, LLC
06.2020 - Current
Loan Resolution Counselor
Logix Federal Credit Union
10.2019 - 06.2020
Corporate Trainer
PennyMac Loan Services, LLC
12.2017 - 10.2019
Loan Counselor III
PennyMac Loan Services, LLC
11.2014 - 12.2017
Business Control Analyst
Bank of America
01.2011 - 01.2014
Short Sale Negotiator / Bankruptcy Specialist
Bank of America
2009 - 01.2011
Business
Moorpark College