Results-oriented Senior Loss Mitigator with deep understanding of loss mitigation principles and customer service practices. Well-versed in resolving distressed, non-performing mortgage loans. Self-motivated with a strong desire to succeed and meet goals.
Overview
29
29
years of professional experience
Work History
Home Solutions Senior Associate
Mr. Cooper/Rushmore Loan Management Services
2013.01 - Current
Collaborates with legal, underwriting, title, foreclosure specialists, and mediators to achieve optimal resolutions for borrowers and investors.
Recommends strategies and tactics for foreclosure and bankruptcy departments within NPL to ensure expeditious completion of foreclosure actions, which include repayment plans, modification options, short sales, and deeds in lieu.
Manages 500-700 distressed residential assets from various investors, including Goldman Sachs, JP Morgan, Ellington, Wells Fargo, and Bank of America.
Handles incoming and outgoing calls to and from borrowers, realtors, attorneys, insurance agents, and other third-party entities on defaulted loans via automated calling systems.
Loss Mitigation Negotiator
Carrington Mortgage Services
2012.06 - 2012.12
Serviced the high-risk Stanwich portfolio.
Managed assigned assets and provided the best resolution options.
Negotiated short payoffs and DIL settlements.
Ensured compliance with HAMP and in-house modification requirements.
Directed incoming and outgoing communications with borrowers, realtors, attorneys, insurance agents, and other third-party entities.
Asset Manager
Kondaur Capital Corporation
2007.01 - 2012.06
Assessed title reports and estimated timelines for either liquidation (through deed in lieu or short sale) or rehabilitation (via modification or repayment) before acquiring loans through the bidding process,
Collaborated with real estate agents and appraisers to organize short sales, assessing listing prices, tracking property market time, and tweaking prices for a quick sales turnaround.
Negotiated with the IRS and HOAs and resolved mechanic's liens to obtain letters of satisfaction to clear title.
Subprime Mortgage Loan Officer
Various Employers
1995.01 - 2007.12
Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
Assessed borrowers' financial situations to determine appropriate mortgage products and loan structure.
Education
Finance & Accounting
Pennsylvania State University
State College, PA
Skills
Demonstrates excellent analytical and technical skills; able to quickly learn new business concepts.
Exhibits excellent oral and written communication skills.
Possesses ability to multitask and prioritize.
Communicates effectively through verbal and written means.
Demonstrates ability to develop business relationships and networking.
Represents mortgage companies in live mediations.
Technical expertise:
Microsoft Office products
LexisNexis
Accruent
LPS
Pacer
Realm
MSP
IAssist
Remedy
Timeline
Home Solutions Senior Associate
Mr. Cooper/Rushmore Loan Management Services
2013.01 - Current
Loss Mitigation Negotiator
Carrington Mortgage Services
2012.06 - 2012.12
Asset Manager
Kondaur Capital Corporation
2007.01 - 2012.06
Subprime Mortgage Loan Officer
Various Employers
1995.01 - 2007.12
Finance & Accounting
Pennsylvania State University
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