Summary
Overview
Work History
Skills
Timeline

Darius Brule

Mortgage / Tech
Orange Park,Florida

Summary

Mortgage and Operational Servicing Professional with 10+ years of customer service, mortgage banking default operations, quality control, quality assurance, and solutions management. Cross functional expertise supporting core business functions including Compliance and Oversight, Leadership and Development, Loss Mitigation (GSE), Project and Portfolio Management (50-500), Trend Analysis Reporting, Government Guidelines and System Application Testing. Professional development professional accomplishments Awarded Top Producer for Production and Quality for consecutive months – February Loss Mitigation Specialist proficient in advising borrowers during foreclosure risk. Astute and insightful with effective communication and skill for advising customers in loss mitigation solutions.

Overview

14
14
years of professional experience

Work History

Mortgage Loss Mitigation Specialist

Single Point of Contact, Freedom Mortgage
08.2021 - Current
  • Conduct outbound call campaigns to secure commitments for outstanding packages, missing conditions, payments, and respond to customer inquiries
  • Receive 50-75 inbound calls through queue to assist customers with inquiries regarding their package, outstanding conditions, status on their review, trial plan, post modification or general loan servicing questions
  • Manage email and fax communications from customers and authorized third parties to ensure items are acknowledged and addressed in timely manner.
  • Discussed property liquidation options with customers.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Evaluated pay stubs, credit history, tax information and bank statements for financial status.
  • Cultivated interpersonal skills by building positive relationships with others
  • Self-motivated, with a strong sense of personal responsibility

Loss Mitigation Specialist

TIAA / Placement Executives
12.2020 - 02.2021
  • Analyzed delinquent accounts by evaluating alternative methods for resolving delinquencies
  • Assisted with inbound and outbound calls to customers, realtors, attorneys, and authorized third parties for delinquency resolutions on mortgage accounts
  • Provided alternatives to foreclosure including short sales, modifications, refinances, deeds in lieu and cash for keys
  • Performed title searches to ensure any liens placed on property were addressed with loss mitigation
  • Skip traced accounts using widely approved methods and techniques including Lexis Nexis
  • Prepared daily report summary of case files worked and performed other assigned tasks from management as needed.
  • Discussed property liquidation options with customers.

Resolution Specialist

Step up for students
01.2018 - 06.2020
  • Provided superior application processing and servicing to low income households seeking funding to attend private institutions or receive financial aid for textbooks, tutoring and other expenses outside of the standard public school offerings
  • Handled inbound and outbound calls as well as walk in customers
  • Evaluated applications based on non-profit application criteria and income limits for assistance
  • Maintained complete and accurate records to ensure internal and state retention requirements were met
  • Completed a pipeline of at least 250 applications per week and ensured all data entered into the system of record was accurate before submission for decision
  • Provided alternative solutions to customers who did not qualify for assistance and referred them to other agencies within the state.

Courier Driver

Stephens Transportation
10.2014 - 06.2018
  • Provided medical records courier services across the Jacksonville area for various medical facilities and offices
  • Timely transport of records to the designated location to ensure there was no disruption of patient related services due to lack of required medical records for services
  • Ensured regular check-ins with dispatch to ensure all deliveries were made as required and any potential ad-hoc courier requests were worked into the schedule to ensure superior reliability as a transportation service provider.

Mortgage Loan Processor

PNC mortgage
03.2016 - 06.2016
  • Evaluated applications based on desktop underwriting system criteria and determined if customer was approved, denied, or conditioned for private mortgage loan of government backed mortgage loan
  • Maintained complete and accurate records to ensure a complete loan file was sent to closing
  • Completed a pipeline of at least 50 loans per week and provided closed-loop issue management on any files that were returned from closing.

Loan Servicing Representative

RP Funding
08.2015 - 01.2016
  • Analyzed loans for accuracy and to ensure key indicators met the necessary requirements
  • Assigned related tasks to associates from designated reports for further analyzing
  • Performed quality control audits of system data for new loans and ensure all pertinent information is accurately transferred from loan origination systems to core banking system and periodically sample billing notices for accuracy and data validation
  • Processed lending related payments, disbursements, payoffs, and general ledgers
  • Researched and responded to member requests regarding escrow, insurance and payments.

SR. Lead Operations Specialist

Single Point Of Contact, JPMorgan Chase & Co
12.2011 - 12.2013
  • Reviewed loan modification submissions from CA Ops before and after submission to underwriting ensuring 100% compliance with HAMP & CHAMP guidelines for GSE and
  • Non-GSE Investors
  • Quality Audited CA Ops files for feedback, coaching and training purposes based upon quality pass score
  • Identified errors on mod submission RMA applications, 4506T’s and Income documents based upon quality procedures used in conjunction with the QRA database.

HPO Relationship Manager

JP Morgan Chase
12.2008 - 12.2011
  • Analyzed borrower request for assistance
  • Maintained correspondence with customers and third- party representatives to facilitate delinquency resolution through loss mitigation, consultation, and collection efforts
  • Prepared financial analysis package (including HAMP document perfection), presented customer financial packages to underwriting for consideration
  • Provided ongoing pipeline management for minimum 100+ accounts to ensure timely resolution and ensure all requirements were met.

Skills

  • Professional Skills
  • SQL Query (Google Course)
  • Python (Google Course)
  • Regulatory proficiency
  • HMDA
  • Reg B-ECOA
  • Reg Z-TILA
  • Mortgage Servicing
  • Escrow
  • Quality Assurance
  • Analytics
  • Courier
  • Process Improvement
  • Negotiation
  • Data entry
  • Typing
  • Microsoft Office
  • Customer Satisfaction

Timeline

Mortgage Loss Mitigation Specialist - Single Point of Contact, Freedom Mortgage
08.2021 - Current
Loss Mitigation Specialist - TIAA / Placement Executives
12.2020 - 02.2021
Resolution Specialist - Step up for students
01.2018 - 06.2020
Mortgage Loan Processor - PNC mortgage
03.2016 - 06.2016
Loan Servicing Representative - RP Funding
08.2015 - 01.2016
Courier Driver - Stephens Transportation
10.2014 - 06.2018
SR. Lead Operations Specialist - Single Point Of Contact, JPMorgan Chase & Co
12.2011 - 12.2013
HPO Relationship Manager - JP Morgan Chase
12.2008 - 12.2011

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Darius BruleMortgage / Tech