Elysee Natta
Tamarac,USA
Summary
Specializing in identity theft and fraud risk management with a robust background in residential and commercial loans. Extensive experience in the mortgage industry, excelling in navigating complex loan programs, ensuring regulatory compliance, and maximizing recovery. Expertise in evaluating cash flow and repayment ability, conducting comprehensive guaranty purchase analysis, managing collateral, and providing financial counseling. Consistently guiding borrowers through loan terms and payments to ensure a clear and thorough understanding of their obligations.
Overview
18
18
years of professional experience
Work History
Identity Theft - Loan Specialist 1165 (GS- 12)
Small Business Administration
03.2024 - Current
- Prepared detailed reports on identity theft cases, including findings, actions taken, and recommendations for improvements to prevent future occurrences.
- Conducted thorough investigations into suspected cases of identity theft, analyzing data and collaborating with relevant lenders to gather evidence.
- Provided assistance and support to clients who allegedly have been the victims of identity theft, guiding them through the resolution process.
- Working closely with legal, compliance, and risk management team to ensure adherence to regulatory requirements and to develop strategies to mitigate identity theft risks.
- Provided verbal and written responses to current or delinquent borrower inquiries regarding commercial loan servicing and liquidation.
Federal Commercial Loan Specialist 1165 (GS- 12)
Small Business Administration
05.2023 - 03.2024
- Managed the service of collateral and assets for various types of loans.
- Engaged in written communication for general and specific forgiveness plans with lenders, ensuring the correct steps for successful loan forgiveness or repayment.
- Reviewed and approved first and second forgiveness requests while overseeing SBA guarantee purchased payment structures.
- Reviewed and approved first and second forgiveness requests while overseeing SBA guarantee purchases.
- Executed tasks and duties promptly to support the PPP loan program and the servicing of guaranty purchases.
- Performed comprehensive reviews of loan levels R1 (under $150K) to R3 (above $150K up to $10 million), documenting all actions, approvals, declines, withdrawals, and rule-of-one decisions.
Contracted Commercial Loan Specialist (GS-10)
Crossroads Talent Solutions
01.2021 - 05.2023
- Applied expertise in PPP commercial first - second draw loans, focusing on eligibility and forgiveness covered period dates.
- Ensured accurate completion of lender documentation, including transcripts of accounts and promissory notes.
- Independently managed assigned portfolios of SBA 7a or 504 loans, adhering to IFR and SOP guidance.
- Responded to basic requests from lenders and other financing agencies involving original forgiveness loan amounts and loan balances per ETRAN reporting.
- Prepare release documents and notices of fully paid accounts upon receipt of certified funds.
- Evaluate tax returns, financial records, and credit summaries of individuals and businesses.
Chief Scribe (Project Manager) - Supervisor
Scribe America
05.2018 - 12.2020
- Remotely managed scribe program for the Lindstrom Clinic, demonstrating effective leadership and program oversight.
- Maintained productive relationships with administration and managing staff within the department, both in and out of state.
- Managed approximately 8 medical scribes to ensure optimal program outcomes.
- Completed weekly, monthly, and annual quality assurance (QA) assessments regarding scribe-physician versus patient engagement and charting, along with scribe evaluations.
- Reviewed diagnostic and procedural terminology for consistency with acceptable medical nomenclature.
Modification Loan Specialist II
Bayview Loan Servicing
02.2015 - 05.2018
- Maintain professional contacts (both oral and written) with obligor's, holders, attorneys, government officials, realtors, mortgage banking representatives, and other individuals.
- Execute documents according to authority provided via resolution or power of attorney.
- Maintain timely and accurate records of all production activity related to document management.
- Ensure a high level of accountability for results and metrics voiding documents previously signed.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Provided expert financial advice regarding residential loans, educational and personal loans.
- Creating financial analysis reports of residential real estate, credit analysis and debt to income ratio for borrowers', including lease reviews and market research.
- Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
- Title research and UCC lien evaluations.
Loss Mitigation Specialist
Bayview Loan Servicing
01.2013 - 01.2015
- Maintained timely and accurate records of all production activities related to document management, ensuring a systematic and organized approach.
- Assessed residential real estate, borrowers' financial situations, lease reviews, and market research.
- Responded to borrower inquiries providing guidance of the residential loan agreement versus options surrounding forgiveness provisions.
- Ensured a high level of accountability for results and metrics, including voiding documents previously signed when necessary to rectify errors or discrepancies.
Process Support Specialist II
Bank of America
01.2012 - 12.2012
- Supported various portfolios of loans in default, focusing on imminent default situations with a specialized emphasis on loan modifications.
- Successfully completed second mortgage modifications (HELOC), executed short sales, deeds in lieu (DIL), and addressed technical foreclosure (FCL) questions.credit, term loans, equipment financing, and acquisitions..
- Successfully completed second mortgage modifications (HELOC), executed short sales, deeds in lieu (DIL), and addressed technical foreclosure (FCL) questions
- Conducted periodic audits of property records, resolving discrepancies and ensuring compliance with established procedures.
- Identified and implemented solutions to improve account statuses in a timely manner, ensuring optimal efficiency and productivity.
- Proficient in running Net Present Value (NPV) models to assess the financial viability and potential outcomes of loan modifications.
Senior Mortgage Servicing, Specialist I
Bank of America
01.2009 - 12.2011
- Proficiently resolved routine billing inquiries, skillfully negotiating payment arrangements to rectify delinquent accounts.
- Prepared budgets and offered financial education tools to clients, providing comprehensive support for effective financial management.
- Closely working with team members to deliver project requirements, develop innovative solutions, and meet deadlines, fostering a collaborative work environment.
- Reviewed credit reports, identified debt, and formulated best-fit strategies for consolidating or eliminating balances.
- Actively engaged with major credit bureaus to obtain records and discuss entries.
- Accepted and processed customer payments, ensuring accurate application toward account balances for financial tracking.
- Collaborated with customers to establish full balance repayment plans or settlements.
- Advised clients on declined or approved modifications, ensuring transparency and facilitating informed decisions.
Senior Collector/ Customer, Assistance Account Manager
Bank Of America
01.2007 - 01.2009
- Effectively managed delinquent credit card accounts with varying degrees of delinquency, including 30-, 60-, 90-, and 120-day overdue accounts.
- Met the demands of a busy collections group by consistently and efficiently handling a high volume of daily calls related to delinquent accounts.
- Utilized skip tracing and other strategic methods to successfully locate debtors, ensuring effective communication and follow-up.
- Overcame objections from debtors through the application of advanced training and persuasive techniques, fostering positive communication and cooperation.
- Negotiated appropriate payment arrangements on credit card accounts, including agreements for future payments, to prevent defaults in the coming months.
- Reviewed accounts to assess and ensure compliance with established payment plans, maintaining accurate and up-to-date records.
Education
Bachelor of Science - Biology
Florida Atlantic University
Currently PursuingGoogle Foundations of Project Management -
Google Coursera
11-2023
Associate of Science - Biology
Broward College
01.2013
Skills
- Document & Portfolio Management
- Bottom Line Master Loan Servicing
- Multifunctional Project Management Skillset
- Strong Oral & Written Communication
- Commercial/Residential Loan Servicing
- Identity Theft / Fraud Risk Management
- Strong Organizational Skills
- Experience with Remote/Tele-Work
- Knowledge of SOPs & IFR
- Process Improvement & Resolution
- Investigative analytical skills
References
- Debra Mayer, 1165 Supervisor, 703-307-6274
- Yolanda Cabrera, 1165 Supervisor, 305-610-5966
- Sony Prudent, 954-240-1296
- Alain Gedeon, 954-605-0976
- Cedric Holloman, 704-287-7851
Timeline
Identity Theft - Loan Specialist 1165 (GS- 12)
Small Business Administration
03.2024 - Current
Federal Commercial Loan Specialist 1165 (GS- 12)
Small Business Administration
05.2023 - 03.2024
Contracted Commercial Loan Specialist (GS-10)
Crossroads Talent Solutions
01.2021 - 05.2023
Chief Scribe (Project Manager) - Supervisor
Scribe America
05.2018 - 12.2020
Modification Loan Specialist II
Bayview Loan Servicing
02.2015 - 05.2018
Loss Mitigation Specialist
Bayview Loan Servicing
01.2013 - 01.2015
Process Support Specialist II
Bank of America
01.2012 - 12.2012
Senior Mortgage Servicing, Specialist I
Bank of America
01.2009 - 12.2011
Senior Collector/ Customer, Assistance Account Manager
Bank Of America
01.2007 - 01.2009
Bachelor of Science - Biology
Florida Atlantic University
Google Foundations of Project Management -
Google Coursera
Associate of Science - Biology
Broward College
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