Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
· Completed audit requests from internal and external personnel. Ensured all audit findings were properly documented in servicing system and escalated to senior management as required.
· Prepared monthly Vendor scorecards for law firms and quarterly Foreclosure and Bankruptcy KPI reports. Presented report details to Senior management and default teams in meetings.
· Monitored changes to investor guidelines and operational changes to ensure department policies and procedures updated accordingly. Processed required system changes in Blacknight Loan-sphere.
· Coordinated with IT team in providing criteria for developing system automations and department reports. Ensured all reports and script requests submitted in Wrike were being processed by the IT team. Performed script testing to ensure automations worked as requested and processed required system changes in Blacknight Loan-sphere.
· Reviewed and Notarized legal documents required for foreclosure and bankruptcy proceedings and ensured documents sent to law firms within required timeframes.
· Monitored and updated foreclosure case status’ through Black Knight Loan-sphere system and MSP servicing system for 150+ loan files to ensure completion of foreclosure cases within investor and insurer guidelines including contested matters and complex title issues.
· Worked diligently with Home Retention and Compliance department for updates on Loss Mitigation reviews and litigation issues forwarded for review.
· Ordered appraisals within the required timelines prior to foreclosure sale dates. Reviewed appraisals upon receipt to verify accuracy of property details and amounts.
· Prepared bidding instructions to ensure all fees, costs and escrow payments included in bid to ensure minimal risk and loss exposure.
· Prepared legal documents for required foreclosure proceedings and ensured documents sent to law firms accordingly. Notarized documents in accordance with Notary schedule.
· Processed vendor invoice payments through Black Knight Loan-sphere Invoicing system. Ensured attorney fees and costs did not exceed allowable limits set by investors and correct coding used by law firms.
· Performed discretionary, special and required audits including auditing customer service and collection phone calls to ensure compliance with servicing and investor guidelines.
· Worked within servicing audit team to meet management's objective and audit schedules.
· Ensured audit findings were properly documented and escalated to management as needed.
· Recommended changes to testing procedures based on completed findings as needed.
Maintained awareness of changes to regulatory, operational and investor guidelines (GSE, HUD, VA, USDA)
· Lead RDD project by ensuring foreclosure timeline checklists were completed and provided to the Claims team prior to the required due dates. Assigned reviews to Specialists for initial review and quality control reviews utilizing Microsoft Excel and IRESS servicing system.
· Completed quality control reviews on checklists to ensure all controllable and uncontrollable delays were captured correctly and requested required corrections.
· Collaborated with internal departments to request documents and information required for the reviews to ensure all correspondence received for completion of checklists.
· Monitored updates on procedural changes for the RDD Project and ensured all changes were being implemented in the completion of reviews.
· Processed referrals and reported foreclosure sales to investors and mortgage insurance (MI) companies within required timelines.
· Processed and updated foreclosure case status’ through Black Knight Loan-sphere system and IRESS servicing system for 200+ loan files daily to ensure completion of foreclosure cases within investor and insurer guidelines including contested matters and complex title issues.
· Assumed responsibility of loan-level research, resolving disputes, and providing instructions to attorneys.
· Collaborated with the Title and Legal department for updates on issues forwarded to the respective departments.
· Prepared bidding instructions to ensure all fees, costs and escrow payments included in bid to ensure minimal risk and loss exposure.
· Prepared quality control packages for investor audits upon request and submitted packages prior to requested deadlines.
· Directly managed 24 associates by monitoring processes within the Foreclosure department.
· Performed secondary and final reviews of foreclosure legal documents to ensure the accuracy of facts prior to executing the documents.
· Monitored and/or conducted the training of foreclosure staff when required.
· Set goals for the department and confirmed policies/procedures were implemented timely.
· Consulted with foreclosure legal counsel to assist with resolving complex title and compliance issues.
· Coordinated with IT team in providing criteria for developing system automations and department reports.
· Updated and maintained data for departmental monthly/quarterly KPI reports, rating agency documentation (Fitch/ Moody) and internal/external audit reviews.
· Supervised 15 Associates; Managed daily functions of Flow Post-Closing, Collateral Audits and Escrow audits to provide maximum production.
· Ensured quality service to internal and external customers and sellers by completing requests in a timely manner.
· Ensured completion of post-closing functions: Escrow loading, 3rd party and Data Integrity audits.
· Completed annual evaluations and disciplinary actions.
· Organized internal and external training for associates as required.
· Responsible for training and daily supervision of 5+ foreclosure associates.
· Completed quality control reviews of foreclosure documents prepared by foreclosure associates (Repayment plans, Reinstatement figures, Assignments, Affidavit's, bidding instructions).
· Reviewed daily reports to ensure processes in compliance with investor guidelines and timelines and prepared monthly investor reports to ensure minimal risk and loss exposure.
· Monitored Soldiers and Sailors accounts to ensure payments were in accordance with the 6% interest rate cap, all letters sent to SCRA borrowers monthly to confirm still on active military duty, performed payment changes once borrower relieved from active duty.
Black Knight-Loan-sphere
MSP & IRESS Loan Servicing System
Project Management
Loan Inventory Report Generation
Vendor Relations
Automated Script Testing Implementation
Managing Default Timelines and Milestones
Microsoft Office Suites-Excel, Word, Outlook
Accounts Payable and Accounts Receivable