Heidy Sibrian
Summary
Proactive and results-oriented professional with extensive experience in collateral servicing and client relationship management. Skilled in conducting risk assessments and ensuring compliance through meticulous documentation practices. Committed to continuous professional development and fostering collaborative partnerships across teams to achieve organizational objectives.
Overview
25
25
years of professional experience
Work History
Collateral Servicing Specialist II
JPMorgan
San Francisco, US
05.2024 - 05.2026
- Managed commercial loan collateral servicing activities, including Uniform Commercial Code (UCC) filing administration, lien perfection, continuations, amendments, assignments, and terminations.
- Conducted comprehensive UCC research and due diligence to verify lien positions, identify filing discrepancies, and mitigate collateral risk.
- Supported large-scale collateral remediation and data integrity initiatives, including UCC portfolio cleanup, record validation, and historical file research.
- Reviewed loan documentation and collateral records to ensure compliance with internal policies, regulatory requirements, and audit standards.
- Responded to borrower, lender, legal, and internal stakeholder inquiries regarding collateral documentation, lien status, and filing requirements.
- Collaborated with lending, legal, servicing, and operations teams to resolve collateral exceptions and maintain accurate portfolio records.
- Performed quality control reviews and risk assessments related to collateral perfection and servicing activities.
- Assisted with process improvement initiatives, workflow standardization, and operational projects focused on enhancing data accuracy and servicing efficiency.
- Maintained detailed documentation, reporting, and tracking of collateral-related activities to support audits, examinations, and management reporting.
Residential Loan Servicing Specialist/ Modification loans
First Republic
San Francisco, USA
01.2022 - 05.2024
- In Lending Services, we document, fund, and service all loans for First Republic.
- As a Residential Loan Servicing Specialist, you also will have the exciting opportunity to develop your leadership skills by helping the department to realize strategic business goals through training and mentoring Residential Loan Servicing staff, as well as ensuring accurate loan maintenance.
- Utilize your understanding of Residential Loan Servicing procedures and systems to update, reverse, and post payment advances as well as perform system maintenance of a complex nature.
- Perform loan payment calculations and adjustments relating to loan modifications.
- Ensure that all requested loan modifications are completed accurately and in a timely manner.
- Researched customer accounts and loan histories, making necessary adjustments to implement specific loan modifications.
- Processed financial and non-financial transactions accurately, ensuring timely posting to loan accounts.
- Work with internal business partners at various levels to research and translate account information.
- Facilitated processing of loan servicing documents, ensuring compliance with internal guidelines through data entry, document review, tracking, filing, and payment research related to modifications.
- Perform data analysis and assist with the generation of operational reports to meet ongoing business requirements.
- Review and update loan details and accurately create and update accounts as appropriate.
- Serviced investor and collateral loan portfolios, and responded to client and loan team inquiries.
- Responsibilities include the following: 1) adhering to and complying with all applicable, federal and state laws, regulations and guidance, including those related to Anti-Money Laundering (i.e., Bank Secrecy Act, USA PATRIOT Act, etc.), 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting potential suspicious activity to the BSA/AML Officer, and 5) knowing and verifying the identity of any customer(s) that enter into a relationship with the Bank.
Residential Loan Booking/Closing Specialist
Fremont Bank
04.2016 - 07.2022
- Responsible for coordination of residential loan closing appointments to accommodate client requests.
- This position required data entry of payoff figures, collection of documents required for funding, shipping of documents to mobile notaries, review of loan program, loan amount, interest rate, payment amount, shortage of funds at close of escrow, impounds, automatic payments, and other terms as needed.
Loan Servicing Specialist II, Shipping
Fremont Bank
01.2011 - 03.2016
- Responsible for organization and preparation of loan files for sale to investors which includes obtaining documentation required by specific investor overlays, organization of said documents by naming convention specific to investor, ensuring all loan documents provided are error free and complete.
Loan Servicing Specialist II, Records Management
Fremont Bank
- Responsible for review and analysis to ensure completeness of deeds of trust, title policies and other loan closing documents.
Mortgage Interim Ops Processor
Wells Fargo Home Mortgage
01.2009 - 01.2011
- Served as main point of contact for customers, facilitating end-to-end application process and resolving issues to enhance client experience.
Loan Processor III/Appraisal Appointment Coordinator
Wachovia Bank, FSB (Formerly World Savings)
04.2001 - 10.2008
- Processed loan transactions in internal system, ensuring accuracy and detail to facilitate timely approvals.
Skills
- Client Relationship Management
- Risk Assessment
- Excel expertise
- Word expertise
- PowerPoint expertise
- Outlook expertise
- MS Office expertise
- Detail-Oriented
- Exercise Good Judgment
- Communicate Effectively
- Fluent English
- Spanish proficiency
Timeline
Collateral Servicing Specialist II
JPMorgan
05.2024 - 05.2026
Residential Loan Servicing Specialist/ Modification loans
First Republic
01.2022 - 05.2024
Residential Loan Booking/Closing Specialist
Fremont Bank
04.2016 - 07.2022
Loan Servicing Specialist II, Shipping
Fremont Bank
01.2011 - 03.2016
Mortgage Interim Ops Processor
Wells Fargo Home Mortgage
01.2009 - 01.2011
Loan Processor III/Appraisal Appointment Coordinator
Wachovia Bank, FSB (Formerly World Savings)
04.2001 - 10.2008
Loan Servicing Specialist II, Records Management
Fremont Bank