Profile Summary A highly effective department leader with over 27 years of experience in the mortgage default servicing arena possessing extensive credit legal / technical expertise.
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
Train new employees and ensure all learning is up to regulations
Create new policies for handling defaulted loans & Bankruptcy loans
Designing new credit reporting module for Fintech core program
Draft/monitor policies & procedures and process maps for Credit Department
Handle audit reporting for credit as well as default servicing audit responses
Work with foreclosure Bankruptcy, and loss mitigation team for accurate monthly reporting
Credit Reporting Manager
Flagstar Bank
05.2021 - 03.2023
Produce reports for compliance with SCRA/FCRA
Train new employees and ensure all learning is up to regulations
Draft/monitor policies & procedures and process maps for Credit Department
Oversaw creation of user guides and multitudes of procedural enhancements to cure open OCC issues, ERM issues, QC Findings and IA findings
Processed repossession processing and reporting
Created the internal QC process on the Credit Reporting Team
Work with foreclosure, Bankruptcy and loss mitigation team for accurate monthly reporting.
Bankruptcy Manager
Home point Financial, BK Call Center
Farmers, Texas
07.2018 - 05.2021
Manage a portfolio of loans in the bankruptcy process – handling them from cradle to grave
Supervise a team of 8 people 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
Gather documents from the customer for processing loss mitigation in Bankruptcy
Work with foreclosure and loss mitigation team for smooth hand off to investor
Automate Bankruptcy setup and closeout process
Handle Office of the president cases that went to litigation
Created the internal QC process on the Credit Reporting Team
Work with foreclosure, Bankruptcy and loss mitigation team for accurate monthly reporting
Handle risk management on the bankruptcy portfolio with reporting
Manage
Senior Bankruptcy Specialist
Carrington Mortgage LLC
Plano, Texas
03.2010 - 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 all litigated matters from beginning to resolution
Process loan modification terms inside chapter 11 and 12,13 plans
Handle Office of the president cases that went to litigation
Gather documents from the customer for processing loss mitigation in Bankruptcy
Test loan populations for compliance with policies, procedures, and investor guidelines
Completed Quality Assurance testing for CORE and Default Servicing functional areas and processes, methods and tools.
Software Support Analyst/Software instructor
Financial Industry Computer Systems
Dallas, Texas
06.2005 - 03.2010
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
Train customers on loan origination and servicing system software in learning management systems and classroom/on site
Help with client onboarding during the onsite and phone conversations
Project management & Design and test bankruptcy servicing module for company and client need
Work closely with programmers to ensure that code was in compliance with RESPA.
Paralegal /Bankruptcy
National Bankruptcy Services
Dallas, TX
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
Proficiency
Proficient with Microsoft Word, Excel, Adobe DC, project and PowerPoint
Team Management
Performance Reviews
Dispute Resolution
Coaching
Tableau
Fiserv
Bankruptcy
Portfolio Management
Quality Assurance
Vendor Management
Financial Services
Asset Management
Tableau reporting
Business Process Improvement
Legal Documents
Training
LPS Desktop
Chapter 13 Bankruptcy Team Management
Performance Reviews
Salesforce
Coaching
Tableau
MSP Black night
Bankruptcy
Portfolio Management
Quality Assurance
Vendor Management
Financial Services
Asset Management
Financial Risk
Business Process Improvement
Zendesk
Training
LPS Desktop
Chapter 13 Bankruptcy
Zendesk
Nice
Risk Management
Trending Reports
Saas/Tech
Fintech financial software.
Education
High School Diploma -
Denton High School
Denton, MT
05.1994
Skills
Computer Skills
Problem Resolution
Training and Development
Staff Training
Hiring and Training
Technical Proficiency
MS Office
Customer Service
Process Improvement
Business Unit Oversight
Project Management
Team Building
Performance Evaluations
Risk Mitigation
Team Management
Credit and Collections
Negotiation and Resolution
FDCPA Compliance
Legal Research
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
If the doors of perception were cleaned, everything would appear to man as it is: infinite.