Ashley Lorefice
Darien Center,NY
Summary
Analytical and strategic Loss Mitigation Analyst known for high productivity and efficient task completion. Possess specialized skills in financial analysis, risk assessment, and negotiation strategies. Excel in communication, problem-solving, and decision-making, ensuring optimal outcomes in challenging situations.
Overview
13
13
years of professional experience
Work History
Single Point of Contact – Loss Mitigation
Keybank
11.2022 - Current
- Manage loss mitigation documents, perform financial analysis, evaluate foreclosed loans, assess borrower financial situation, and adhere to guidelines to prevent foreclosure.
- Contact clients to provide updates regarding applications and continued support with the application process.
- Create a plan for borrowers to make their loan payments.
- Review delinquent mortgage accounts for potential loan modification solutions.
- Collaborate with other departments in order to process loan modifications efficiently.
- Provide clients with guidance on the best options available to help them avoid foreclosure.
- Update client report documents to reflect current status of their real estate account.
- Advise customers on their rights under various state and federal foreclosure protection laws.
Mortgage Funder
Keybank
11.2021 - 11.2022
- Responsible for reviewing and verifying that all required aspects of the loan process have been met prior to wiring funds.
- Preparing and coordinating all final loan documentation for loan closings, auditing loan files, and ensuring regulatory compliance.
- Reviewed mortgage loan files for accuracy and completeness.
- Ensured compliance with company policies, procedures, investor guidelines and applicable regulations.
- Collaborated with various departments within the organization to resolve issues related to funded loans.
Mortgage Fee Specialist
Keybank
07.2019 - 11.2021
- Responsible for preparing a file for disclosure, closing, and funding.
- Ordered fees from third-party vendors, updated lending systems, and managed compliance with federal and state regulations.
- Sent loan estimates to new mortgage loan customers.
City Carrier Assistant
United State Post Office
11.2016 - 07.2019
- Organized packages in route sequence and delivered to correct addresses.
- Maintained professional public relations with customers and familiarity with postal laws and geography.
Credit Adjuster II
First Niagara Bank
01.2015 - 11.2016
- Reviewed status of delinquent accounts, initiated collection actions, and determined creditworthiness of borrowers while maintaining compliance with regulatory guidelines.
- Maintained detailed records of all claim activities in a timely manner.
Direct Support Professional
Autism Services Inc
11.2011 - 01.2015
- Assisted in the implementation of individual programs and provided supervision of program participants.
- Provided assistance to individuals with daily activities such as personal care, meal preparation and medication reminders.
- Facilitated social interactions between participants and their peers in the community.
- Assisted in planning and implementing recreational activities for participants.
- Monitored individuals' behaviors, documented observations, reported any changes or concerns to supervisor.
- Provided guidance and support to ensure safety of individuals served.
Education
Some College (No Degree) - Social Work
SUNY Buffalo State College
Buffalo, NY11-2010
High School Diploma -
Immaculata Academy
05.2007
Skills
- Loan Modification
- Portfolio Management
- Underwriting understanding
- Account reviewing and processing
- Invoice Processing
- Blacknight (MSP), Oracle, Doc Imaging, and Microsoft Office expertise
- Customer Relations
- Excellent Written and Verbal Communication
- Organizational Skills
- Interpersonal Skills
- Teamwork and Collaboration
References
References available upon request.
Timeline
Single Point of Contact – Loss Mitigation
Keybank
11.2022 - Current
Mortgage Funder
Keybank
11.2021 - 11.2022
Mortgage Fee Specialist
Keybank
07.2019 - 11.2021
City Carrier Assistant
United State Post Office
11.2016 - 07.2019
Credit Adjuster II
First Niagara Bank
01.2015 - 11.2016
Direct Support Professional
Autism Services Inc
11.2011 - 01.2015
Some College (No Degree) - Social Work
SUNY Buffalo State College
High School Diploma -
Immaculata Academy
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