Jana Saia
Middleburg,FL
Summary
Highly motivated Leader brings proven leadership, organizational and analytical skills. Seeking to obtain a position that will enable me to utilize my experience and leadership skills to provide and opportunity for growth and advancement.
Overview
10
10
years of professional experience
1
1
Certification
Work History
PB Lending Business Monitoring and Controls AVP
Deutsche Bank
Jacksonville, FL
04.2023 - 05.2024
- Managed projects efficiently, ensuring timely delivery and high-quality results.
- Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Process, track, audit and report status of borrower Covenants, including calculating debt to income rations and loan to value.
- Monitor and audit collateral requirements including security-based lending.
- Audit loan attributes within loan systems for accuracy.
- Assist with internal and external audit request.
- Update, ensure accuracy and publish KOP's on a continual basis.
- Handle internal audits pertaining to regulatory compliance within lending on a monthly and quarterly basis.
- Create and deliver training PowerPoint presentations and regulatory training to Residential and Structure Business lending teams.
- Review and process quarterly regulatory Audits for Level 1 monitoring functions for Structure and Residential business lines.
- Process, audit, monitor and distribute Margin Call shortfall report.
- Audit Post closing process monthly to ensure accuracy and efficiency.
- Promoted and led performance enhancement culture by actively coaching and mentoring direct reports.
- Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
- Established policies and procedures that improved operational efficiency within the organization.
- Reported issues to higher management with great detail.
Mortgage Servicing Specialist
The Windsor Group (Deutsche Bank-Temp)
Jacksonville, FL
10.2022 - 04.2023
- Manage / Monitor transactions between the borrower and sub-servicer.
- Evaluate loan servicing data, research issues along with exceptions.
- Conduct root cause analysis of client issues and problems, recommending feasible solutions.
- Order, review, renew and maintain loan payoffs and disbursements.
- Monitor and obtain insurance renewals for Real Estate Hazard/Flood, Fine Art, Yacht, and Aircraft.
- Issue Force Place Letters and a Force Place Policy when needed.
- Review, audit and distribute daily payment reports.
- Managed a high-volume caseload of loans in various stages of delinquency, prioritizing actions based on risk assessment outcomes.
- Facilitated timely issuance of annual tax statements, collaborating with internal teams to ensure accuracy in reporting interest paid by borrowers during the year.
- Contributed to loss mitigation efforts by diligently monitoring payment activity, tracking delinquent accounts, and initiating appropriate follow-up actions when necessary.
- Improved customer satisfaction levels with timely and accurate resolution of inquiries, addressing concerns pertaining to mortgage payments, escrow accounts, and taxes.
- Leveraged advanced knowledge of mortgage servicing systems and software applications to quickly adapt to changing industry standards and best practices.
- Conducted comprehensive audits of mortgage files, identifying discrepancies and rectifying errors in a timely fashion.
Special Loans Administrator
Loan Depot LLC
Jacksonville, FL
05.2021 - 08.2022
- Audited ARM and modified loans to ensure all criteria was accurate updated accordingly.
- Audited and approved ARM indices to ensure rates and dates were updated accordingly in MSP servicing System.
- Developed, analyzed, and maintained policies and procedures and provided recommendations for process improvements.
- Generated, audited and ensured Quality assurance on Recast Modification documents, generated Recast requirement letters and estimated calculations on P & I changes based on borrower curtailment payments, prepared final Recast Modification letter along with FedEx tracking labels to send to the borrower.
- Worked closely with New Loan Audit teams and Customer Service to research and update any New Loan Note discrepancies within Empower and MSP.
- Monitored and updated the Successor in Interest process from the beginning to the end of confirming the Successor in Interest.
- Reviewed Successor in Interest documentation to verify legal approval and interest in the property.
- Handled and monitored escalation task and emails provide research and solutions as required to assist borrower generated inquiries in various departments.
- Created and maintained investor servicing report regarding P & I changes and submitted to Investors Fannie Mae and Freddie Mac on a weekly basis.
- Ensured the highest level of Quality Assurance on all processed worked.
- Prepared loans for service transfer.
- Organized workflow and delegated tasks effectively to ensure timely project completion without compromising quality.
- Served as a liaison between departments, fostering open communication channels that improved overall organizational function.
- Conducted regular audits of operational processes, identifying areas for improvement and implementing solutions accordingly.
- Developed comprehensive training programs for new hires, trained, mentored as well as implemented housekeeping rules and workflow management.
LSBO Accounting Acquisition Oversight Analyst
TIAA Bank
06.2019 - 12.2020
- Audited, Processed and reconciled servicer remittances in SBO2000 monthly and ensured proper GL reconciliation on portfolios and management reporting.
- Processed loan modifications and adjustable-rate mortgage (ARM) reviews and entered in SBO2000 as part of the monthly remittance processing.
- Ensured that ongoing reports are completed accurately and within expected time frames.
- Completed data central monthly upload for use by internal departments for various management reports.
- Audited and processed loan level transactions for default liquidations, repurchases, and loan transfers.
- Worked closely with servicers and the Corporate Accounting Department to resolve issues with remittance reporting.
- Analyzed portfolio to identify appropriate interest rate adjustments and resulting yield change impact to TIAA Bank.
- Participated in gathering data for internal and external audits.
- Reviewed servicer custodial accounts on an annual/bi-annual basis to validate timing, usage and balancing of designated custodial accounts.
- Collaborated with cross-functional teams to identify opportunities for process improvement and increased efficiency.
- Queried databases for information needed for report processing.
- Identified and resolved problems through root cause analysis and research.
- Enhanced team collaboration with detailing complex findings through visualizations and reports and recommendationsPerformed audits of subsidiaries to protect shareholders and potential investors from fraudulent or unrepresentative financial claims.
- Maintained database systems to track and analyze operational data.
Loss Mitigation Relationship Manager
Ditech Financial Services
12.2016 - 06.2017
- Provide exceptional service to all inbound/outbound calls including files that are in foreclosure.
- Work with borrowers to bring mortgage accounts to a good standing.
- Explore available options and solutions including but not limited to loan modifications, repayment plans or deferrals, short sale or deed in lieu
- Work as the liaison between other departments and investors.
- Review status of modification status daily in Black Knight MSP system as well as Early Resolution System.
- Responsible for clear communication with borrowers, realtors, internal as well as external attorneys, and other Ditech departments.
Bankruptcy Specialist
Ditech Financial Services
06.2017 - 03.2018
- Timely process new bankruptcy petitions to protect the company's collateral.
- Accurately and timely review delinquent bankruptcy accounts.
- Documented and maintained bankruptcy information in Loan Sphere, MSP, and any other required bankruptcy system.
- Understand and communicate with company attorneys, debtor's attorneys, trustees, and debtors regarding bankrupt accounts.
- Adhered to investor guidelines and adhere to timely and proper filings of Motion for Relief of stay, recon release, payment change notices, notice of final cures and any other task assigned by management
- Trained and mentor new hires.
- Performed timely follow up with attorneys and trustees, regarding hearings, discharges, critical steps, and referrals on delinquent accounts
- Developed and maintained relationships with bankruptcy attorneys, trustees, debtor's attorneys and Ditech's in-house legal counsel.
- Responded to all email and phone communications in a timely manner.
- Thoroughly audited and analyzed bankruptcy documents and work with attorneys to meet deadlines.
- Documented all required systems with appropriate action and/or follow up on each file.
- Prepared and audited Motion for Relief from stay and reaffirmation agreements to counsel.
- Created post-petition pay history ledgers to ensure delinquency and payment posting accuracy.
- Oversaw a diverse caseload, managing competing deadlines and priorities with minimal supervision, ensuring timely and effective case resolutions.
- Appropriately followed up with attorneys and bankruptcy trustees to avoid bankruptcy delinquencies.
Special Loans Administrator-Team Lead
Ditech Financial Services
03.2018 - 06.2019
- Received, reviewed, and evaluated requests received regarding Special Loans functions.
- Obtained and reviewed information needed to process Subordinations, Easements, Partial releases, Assumptions, Heloc and SCRA accounts.
- Processed and maintained HELOC, ARM, Balloon and other workstations as required.
- Updated and maintained Job Aids as well as Procedures required for all Special Loans job functions on a regular basis.
- Trained and mentored new hires as well as implemented house keep rules and workflow management.
- Assisted Cash team with overflow of work by auditing, posting and reallocating funds as required and needed.
- Updated and maintenance Indices daily.
- Worked closely with upper management to ensure flow, work production and tasks were complete.
Personal Loan Specialist/Financial Advisor/Manager in Training/Key Holder
Springleaf Financial Services
Jacksonville, FL
08.2014 - 01.2016
- Thoroughly screened applicants, prepare loan application requests for underwriting submission, gather all required documents for closing, finalize, book, and close loan request.
- Audited client accounts to ensure alignment with audit policies and procedures.
- Utilized advanced software tools to efficiently manage client data and monitor performance metrics across the portfolio of loans handled.
- Contributed to team success by consistently meeting and exceeding personal performance targets, such as loan volume and customer service ratings.
- Managed a portfolio of personal loans, monitoring repayment progress and proactively addressing delinquencies.
- Ensured compliance with federal regulations and company policies throughout all stages of the loan process.
- Performed risk analysis for each applicant, minimizing potential losses from defaulted loans.
- Audited loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Compiled closing packages for drafting and presentation accuracy.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
Education
Accounting And Business Management
Florida Metropolitan University
Orange Park, FLSkills
- Attention to Detail
- Recordkeeping and File Management
- MS Office/ Microsoft Excell
- Documentation And Reporting
- Team Building and Leadership
- Work Planning and Prioritization
- Deadline Adherence
- Document Control
- Resourceful and Analytical
- Financial Oversight
- Technical Documentation
- Data Analysis
- Audit reporting
Certification
Developing a Learning Mindset-2022
Learning Jira Software-2022
Six Sigma White Belt-2022
Project Management Foundations-2022
Timeline
PB Lending Business Monitoring and Controls AVP
Deutsche Bank
04.2023 - 05.2024
Mortgage Servicing Specialist
The Windsor Group (Deutsche Bank-Temp)
10.2022 - 04.2023
Special Loans Administrator
Loan Depot LLC
05.2021 - 08.2022
LSBO Accounting Acquisition Oversight Analyst
TIAA Bank
06.2019 - 12.2020
Special Loans Administrator-Team Lead
Ditech Financial Services
03.2018 - 06.2019
Bankruptcy Specialist
Ditech Financial Services
06.2017 - 03.2018
Loss Mitigation Relationship Manager
Ditech Financial Services
12.2016 - 06.2017
Personal Loan Specialist/Financial Advisor/Manager in Training/Key Holder
Springleaf Financial Services
08.2014 - 01.2016
Accounting And Business Management
Florida Metropolitan University