Christina Dingus
Jay,ME
Summary
Skilled and experienced manager of loan servicing and default servicing operations, including managing escrow administration, audits of servicing activities and management of third party servicing vendors. Critical thinker with the ability to analyze data and develop processes to improve efficiencies and communicate clearly with internal and external partners and staff. Creative problem solver skilled at developing solutions to minimize risk and maximize resources. Proven leader with more than eight years leading and managing staff in skilled positions in default and loan servicing.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Loan Servicing manager
Kennebec Savings bank
augusta, me
02.2023 - Current
- Lead and manage loan servicing operations servicing mortgages, consumer, and commercial loan accounts
- Supervise a dedicated team of loan servicers, ensuring smooth and timely processing of loan transactions, including new loan setups, payments, payoffs, and discharge activities
- Oversee customer support functions, addressing inquiries and resolving issues related to loan transactions promptly and professionally
- Oversee all functions of escrow and insurance claims administration, including annual analysis, insurance tracking, forced place administration and Continuously assess loan servicing processes and identify opportunities for optimization, streamlining procedures to enhance efficiency and customer experience
- Service, administer, report and monitor secondary market loans to Freddie Mac, ensuring compliance with investor requirements and federal and state regulations.
Homeless Coordinator
mainehousing
augusta, me
09.2020 - 02.2023
- Participate in coordination of Rapid Rehousing program, working with external partners to monitor processes, provide technical assistance, and ensure compliance with program guidelines and budget amounts
- Administer COVID-19 Homeless Provider Grant Program, coordinating grant application and reimbursement process, determining items that meet HUD guidelines for ESG and COVID program requirements, approve expenses, coordinate with management on items with political implications, and reconcile grant activities with Fiscal Compliance Office and department management weekly.
Defaulted Loans Manager
MaineHousing
Augusta, ME
01.2015 - 09.2020
- Supervise, coach, and develop staff, providing guidance to staff in performance of their job responsibilities and resolving problem situations and assist employees with performance and work habit issues
- Oversee activities associated with the resolution of problem loan situations in strict compliance with Consumer Federal Bureau of Protection (CFPB) related to all loss mitigation requirements
- Monitor compliance with State of Maine laws, Federal Bankruptcy Code and regulatory agencies and validate MaineHousing’s lien interest in collateral
- Oversee Property Preservation activities and staff including, ordering inspections and repair work
- Monitor and approve all expenses related to P&P work and ensure compliance with FHA, USDA and VA loan servicing regulations
- Research and interpret complex loan servicing regulations, policies, and practices and recommend, develop, implement, and maintain policies and procedures to ensure compliance with loan servicing requirements
- Coordinate and conduct quality control audits of servicing partners related to default servicing
- Provide oversight of mortgage insurer or government guarantor claims related to loss mitigation and/or foreclosure
- Monitor status of mortgage insurance claim payments to ensure timely receipt of payments and to maximize incentives and recovery amounts
- Prepare written responses to elevated customer inquiries in accordance with the Consumer Federal Protection Bureau rules
- Research complaint, identify recommendations and/or solutions and communicate directly with customers and/or borrower’s advocates
- Supervise and administer escrow account oversite and analysis, providing guidance and technical assistance when needed to staff and third party vendors.
Financial Advisor
TBM Financial
winthrop, me
04.2014 - 01.2015
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
- Established new client relationships by conducting thorough needs assessments during initial consultations.
- Worked closely with insurance providers to assess suitable coverage options tailored to individual client requirements for risk management purposes.
- Ensured compliance with industry regulations and company policies while serving clients'' best interests.
FINANCIAL SERVICERS REPRESENTATIVE
TD BANK
OAKLAND, ME
06.2013 - 04.2014
LICENSED INSURANCE AGENCY OWNER
ALLSTATE INSURANCE
FARMINGTON, ME
02.2010 - 12.2012
FINANCIAL REPRESENTATIVE
METLIFE INSURANCE
CUMBERLAND, ME
04.2008 - 02.2010
FINANCIAL CONSULTANT
BANGOR FINANCIAL
BANGOR, ME
03.2005 - 03.2008
Education
Bachelor Of Science - Financial Services
University of Maine At Augusta
Augusta, MESkills
- Procedure Implementation
- Loan modifications
- Loss Mitigation
- Bankruptcy Management
- Escrow Administration
- Critical Thinking
- Decision-Making
- Default Management
Certification
- Lean/white belt certification-2022
- Registered Representative- Series 7, 63 & 65 2005-2015
- Licensed Insurance agent 2001-2015
- Notary Public, State of Maine
Timeline
Loan Servicing manager
Kennebec Savings bank
02.2023 - Current
Homeless Coordinator
mainehousing
09.2020 - 02.2023
Defaulted Loans Manager
MaineHousing
01.2015 - 09.2020
Financial Advisor
TBM Financial
04.2014 - 01.2015
FINANCIAL SERVICERS REPRESENTATIVE
TD BANK
06.2013 - 04.2014
LICENSED INSURANCE AGENCY OWNER
ALLSTATE INSURANCE
02.2010 - 12.2012
FINANCIAL REPRESENTATIVE
METLIFE INSURANCE
04.2008 - 02.2010
FINANCIAL CONSULTANT
BANGOR FINANCIAL
03.2005 - 03.2008
Bachelor Of Science - Financial Services
University of Maine At Augusta