Profile Summary A highly effective department leader with over 27 years of experience in the mortgage servicing arena. Collaborative leader with dedication to partnering with coworkers to promote engaged, empowering work culture. Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success.
Overview
20
20
years of professional experience
Work History
Credit Reporting Manager
Valon Mortgage
03.2023 - 09.2023
Produce reports for compliance with SCRA/FCRA
Create new policies for handling defaulted loans & Bankruptcy loans
Design new credit reporting module for Fintech core program
Draft/monitor policies & procedures and process maps for Credit Department
Work with foreclosure Bankruptcy, and loss mitigation team for accurate monthly reporting
Achieved departmental goals by developing and executing strategic plans and performance metrics.
Bank officer Credit Reporting Manager
Flagstar Bank
05.2021 - 03.2023
Produce reports for compliance with SCRA/FCRA
Oversaw creation of user guides and multitudes of procedural enhancements to cure open OCC issues, ERM issues, QC Findings and IA findings
Manage team of credit reporting analyst.
Created the internal QC process on the Credit Reporting Team
Increased team productivity by implementing streamlined processes and effective communication strategies.
Streamlined workflows by identifying bottlenecks in existing systems and proactively addressing these challenges through appropriate solutions implementation.
Achieved departmental goals by developing and executing strategic plans and performance metrics.
Ensured compliance with industry regulations and legal requirements by implementing comprehensive policies and training programs for staff members.
Bankruptcy Manager /Credit Manager
Home Point Financial
07.2018 - 05.2021
Supervise a team of bankruptcy analyst to ensure duties are performed promptly and with accuracy
Handle all litigated matters with foreclosure and loss mitigation from beginning to resolution
Re-drafted policies & procedures for Bankruptcy Department
Corrected PCN escrow litigation that had been dormant for 2 years
Automate Bankruptcy setup and closeout process to reduce risk.
Created the internal QC process on the Credit Reporting Team
Increased team productivity by implementing streamlined processes and effective communication strategies.
Achieved departmental goals by developing and executing strategic plans and performance metrics.
Facilitated successful cross-functional collaborations for the completion of key projects, fostering strong working relationships among team members.
Managed and motivated employees to be productive and engaged in work.
Senior Bankruptcy Specialist
Carrington Mortgage LLC
03.2015 - 07.2018
Manage chapter 11 cases to insure we do not miss any pertinent timelines.
Conducted plan review and all CH 11 and CH 13 cases to ensure investor interest protected.
Handle litigated matters from beginning to resolution
Completed Quality Assurance testing for CORE and Default Servicing functional areas and processes, methods and tools.
Reduced processing time for bankruptcy Ch 11 cases by analyzing data and identifying areas for improvement.
Negotiated favorable settlements with borrowers counsel, achieving significant loss reductions for clients.
Maintained up-to-date knowledge of changing bankruptcy laws and regulations CH 11 cases and created CH 11 Process flow.
Software Support Analyst/Software instructor
Financial Industry Computer Systems
06.2005 - 03.2015
Assist customers with problems with their SaaS/Tech loan servicing, origination software via telephone help desk as well as on site
Conducted software testing on all of the mortgage servicing platform
Open tickets for any level 3 programming requests or new custom module requests
Help with client onboarding during the onsite and phone conversations
Project management & Design, work closely with programmers to ensure that code was in compliance with Respa/Metro2 complaint
Improved software efficiency by analyzing user requirements and recommending solutions.
Enhanced end-user experience by identifying and resolving software issues.
Reduced project timelines by implementing Agile methodologies in the development process.
Boosted client satisfaction by communicating effectively with stakeholders throughout the development process, ensuring their needs were met.
Paralegal /Bankruptcy
National Bankruptcy Services
12.2003 - 06.2005
Prepare bankruptcy files for motions, objections, litigation pleadings
Conducted plan review and all CH 11 and CH 13 cases to ensure investor interest protected
Worked as direct litigation team for Texas & Louisiana regions
Process charge-off for clients on unsecured debts according to FDCPA
Handle all litigated matters MFR, Objections, Abuse motions
Train new employees on our processes and Manage Direct Litigation Team and QA
Work with Fannie Mae and Freddie Mac investors
Conducted thorough legal research to support attorneys in developing strong case strategies.
Streamlined communication with clients by drafting correspondence and tracking case progress.
Enhanced case efficiency by managing and organizing legal documents, evidence, and client files.
Drafted accurate legal documents such as pleadings, motions, and briefs to effectively present the client''s position.
Served as a reliable liaison between clients, opposing counsel, experts, witnesses, and court personnel throughout the course of litigation matters.
Education
High School Diploma -
Denton High School
Denton, TX
05.1994
Skills
Business Process Improvement
Training and Development
Project Management
Hiring and Training
MS Office
CDIA proficient
Business Unit Oversight
CFPB audit defense
Advanced Bankruptcy expertise
Risk Mitigation/Bankruptcy
E Oscar
Credit reporting management
FDCPA
FCRA
Udemy current – python data analytics
Proficient with
Microsoft Word, Excel, Adobe DC, project and PowerPoint