Cheryl Guilford
Foley,AL
Summary
15+ years mortgage industry experience; 15 years Default/Foreclosure Analyst, 5 years default account review, 8 years Team Lead/Assist Project Manager, 2 years Underwriting
Overview
17
17
years of professional experience
Work History
Mortgage Serving Analyst • Trial Underwriter /ContractorGSE Underwriter, Employee Trainer
Covius
Remote
07.2021 - Current
- Trained employees to execute tasks in accordance with applicable specifications and procedures.
- Maintained updated training records for employees.
- Participated in departmental team meetings, and provided relevant training program updates.
- Displayed working knowledge of Microsoft Office programs.
- Exhibited functional familiarity with curriculum design and delivery principles and practices.
- GSE Underwriter Analyst/ Post Covid, Retention, Solicitation, New Hire Trainer
- Sumbit loan files to investor for appoval/denials
Financial Consultant/Contractor, Mortgage Financial Institution Information Analyst
District Partners
Remote
12.2019 - Current
- Research mortgage loans files including but not limited to VA and IRRR Loans.
- Extensive loan file review. UAT testing experience for new operational reporting. Ensure current reporting is in compliance with all state, federal, and company regulations.
- Knowledge of servicing standards/best practices as defined by the Client and/or federal guidelines DOJ, OCC or CFBP standards.
- Knowledge of servicer systems and documentation and affidavits involved in the default process.
CRM Specialist, Customer Relationship Manager
Gulf Coast Yacht Group
01.2019 - 08.2021
- Monitored metrics and developed actionable insights to improve efficiency and performance.
- Point-of-resource to all other offices in the company relating to the CRM software
- Maximize features and benefits of the CRM
- Generate and interpret data from software
- Work to improve customer care, sales and marketing based on CRM numbers and data
- Grant user access
- Maintain integrity of the information stored in the CRM
- Review current processes within the company and make updates to them to align them with the CRM data
Intmd Assoc Operation Support Analyst, Team Lead/Assistant Project Manager
Citi
Ofallon MO/ AL Remote
03.2008 - 06.2019
- Team Lead/Assistant Project Manager over Default Exception Reporting & Control MIS teams. My team oversaw and monitored default operational reporting onshore and offshore. The control team would hold other lines of business accountable when metrics fell below the thresholds.
- Extensive reviewing mortgage accounts from all lines of businesses (Default, Loss Mitigation, Bankruptcy, Foreclosure, REO, Post Covid Modification, Collections)
- Career progression on the exception reporting team where we created and tested new reporting for multiple lines of business.
- Extensive loan file review. UAT testing experience for new operational reporting. Ensure current reporting is in compliance with all state, federal, and company regulations.
- Knowledge of the servicing standards/best practices as defined by the Client and/or federal/state guidelines DOJ, OCC or CFBP standards.
- Knowledge of servicer systems and documentation and affidavits involved in the default process.
- Assist managing global teams. Solves complex issues, gaps, loopholes, applies an appropriate risk management response.
- Strong leadership skills; advanced experience engaging and collaborating cross functional geographic locations.
- Liaises various levels of management throughout multiple lines of business to align process and eliminate risks.
- Assist Unit Managers and Senior Managers with projects, processes.
- Manage multiple priorities, excelling in fast paced operational environments
- Employee Training/Development
- Demonstrated knowledge of company mission and goals and mentored employees in reaching objectives aligned with company core values.
- Coordinated weekly meetings for internal and external groups.
- Molded team and embraced change to adapt within dynamic market.
Education
Non Degree -
St. Charles Community College, Charles Mo
Extensive Corporate Operational OJT -
Citi Mortgage/Mortgage Institution
Skills
- Capacity to navigate complex business process model and identify potential bugs in associated logic
- Ability to prioritize heavy workload in order to meet deadlines and production goals
- Ability to receive and apply constructive feedback to improve efficiency and quality of personal and team performance
- Strong analytical and problem-solving skills
- Ability to work independently and maintain attention to detail
- Relationship experience with performing file reviews on loss mitigation, default servicing and foreclosure documents and affidavits
- Strong written and oral communication skills to effectively communicate with colleagues at all levels
- Process Monitoring and Tracking
- Relationship Building
- Analytical Thinking
- Attention to Detail
- Leadership Development
- Team Exercises
- Group Discussion Facilitation
- Coaching and Development
- Persuasive Negotiation
- Employee Performance Reviews
- Spreadsheet Tracking
Technical Skills
● Excellent PC skills, including word processing, spreadsheet, Microsoft Word, Excel, Foreclosure Processing Systems, AWS Desktop, VendorScape, MERS, etc Power Point), SharePoint, MS Project, Black Knight MSP, MainFrame
● Ability to use technology or identify technology opportunities that will improve processing efficiencies and work product
Timeline
Mortgage Serving Analyst • Trial Underwriter /ContractorGSE Underwriter, Employee Trainer
Covius
07.2021 - Current
Financial Consultant/Contractor, Mortgage Financial Institution Information Analyst
District Partners
12.2019 - Current
CRM Specialist, Customer Relationship Manager
Gulf Coast Yacht Group
01.2019 - 08.2021
Intmd Assoc Operation Support Analyst, Team Lead/Assistant Project Manager
Citi
03.2008 - 06.2019
Non Degree -
St. Charles Community College, Charles Mo
Extensive Corporate Operational OJT -
Citi Mortgage/Mortgage Institution
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