Jessica Ewansiha

• Cross train with the Foreclosure Analysts to assist in professional interaction with borrowers, attorneys and other court professionals
• Perform in-depth equity analysis on highly delinquent loans
• Maintains current foreclosure status of assigned accounts processing foreclosure cases accurately and timely
• Attend meetings and conference calls, evaluate team processes to enhance efficiency, and help restructure the foreclosure file system
• Review title report and perform Lien verification task
• Completes and monitors progress of foreclosure milestones
• Solves daily property issues, maintain value, maximize assets value where appropriate, and
• Inputs data and maintains REO files and communications in all forms and updates monthly and quarterly reports
• Analyze credit profile, loan history, customer financial situation, and available asset
• Coordinates with the Property Preservation/Collateral department to secure & protect the interest of the service on vacant properties to reduce the potential for fines imposed by investors or city ordinances.
• Provides mentoring to new staff members, assist in special projects & other duties as assigned.

• Completes pre-foreclosure reviews to ensure loans are referred timely based on company and investor/portfolio guidelines
• Perform equity analysis on a loan level basis
• Completes financial analysis for Foreclosure sale bids, judgments required by the court, reinstatement & payoff requests made by the borrower & attorney.
• Perform State-specific research, review loan documents relating to origination and foreclosure, and prepare loans for referral to various attorneys
• Reviews collateral/partial lien releases & gather all necessary information (valuation, proposed compensation, & parcel legal descriptions, etc.) for release of collateral, analyze the proposal for its economic impact on the beneficiary of the loan & make recommendation to management.
• Reviews documents and affidavits for accuracy
• Ensures accounts are properly documented.

• Managed household operations, including scheduling, budgeting, and logistics for a family of five.
• Led conflict resolution strategies, improving team collaboration (kids and partner included!).
• Oversaw vendor relationships, home renovation projects, and financial planning initiatives.

• Utilized variety of portals and tools to support 20 business units by performing time-sensitive research of Collateral and critical mortgage documents.
• Collaborated closely with internal groups to identify and resolve document issues. Assisted in creation of Legal Case Binder in Document Management Portal, including TRID documents and affidavits.
• Reviewed Bank policies, procedures and practices to ensure compliance with laws and regulations
• Coordinated with operating departments to ensure adherence to laws and regulations
• Key point of contact in completion of 46-day checklist for auditing and documentation.
• Minimized losses through attorney relationship management to ensure a seamless Bankruptcy and Foreclosure process.
• Analyzed and identified problem areas in the Loss Mitigation process and ensured appropriate resolutions were implemented; and liaised with the CFPB for documentation purposes.
• Researched customer information on legal research networks and governmental websites

• Coordinated the liquidation of an assigned portfolio of short sale accounts initiated in any stage of marketing ranging from 'prelisting' to 'receiving offer'
• Examined, reviewed and renegotiated real estate purchase offers/counter offers including sales terms, concessions and timing issues
• Submitted loss mitigation scenarios to be evaluated by the Borrower or investor and executes against the decision provided for FHA/VA/GSE Loans
• Ordered BPO’s(Broker’s Price Opinion) and credit reports- Read and understood appraisals, title and credit reports
• Reviewed and audited estimated and final real estate property closing statements to ensure agreed upon sale terms are in compliance.
• Ensured all files were complete prior to deadline and coordinated effectively with title companies to ensure smooth closings.
• Processed challenging short sale applications (e.g. self-employed applicants and borrowers with considerable cash at hand).

Gap: Job ended due to company Shut down- actively seeking employment

• Performed due diligence on loans eligible for foreclosure sale to ensure processes and standards are met.
• Reviewed screens, tasks and processes to ensure that all steps have been followed according to state, federal, investor, and company guidelines.
• Investigated, resolved and responded to complaints
• Worked with Attorneys and Foreclosure Vendors to assure all foreclosure postponement, hold or proceed requests are handled appropriately and timely.
• Possess a clear understanding of the foreclosure processes and requirements and the related implications of the servicing business for FHA/VA and Conventional loans.
• Created daily/monthly reports as requested by Management; identify and escalate issues and trends to management and items presented by other departments i.e. Legal, Foreclosure, Outside Counsel, Bankruptcy etc.
• Made appropriate decisions to postpone foreclosure and justify such decisions taking into account all relevant circumstances, including customer and investors and to minimize risk to the company.

• Ranked as Top 3 Performers in the execution all frequency deals: Reinstatements, repayments and forbearances
• Performed a thorough review of borrower’s financial hardship, including detailed pay history, while adhering to investor and foreclosure rules and timelines
• Maintained inbound call service levels, including average speed answered and abandonment rate
• Increased borrower’s contact through creative outbound attempts
• Conducted detailed account reviews of seriously delinquents account and management in order to reduce flow of accounts to foreclosure
• Worked with Attorneys and Foreclosure Vendors to assure fees and cost and guidelines are handled appropriately and timely
• Provided instruction to Attorney to hold, cancel, postpone or proceed with foreclosure sale
• Executed all frequency deals: Reinstatements, repayments and forbearances
• Worked overtime as needed to meet departmental goals
• Participated in both new hire and current employee training

• Counseled borrowers on best way to bring their loan to current state through education of alternatives for resolution
• Participated in identification of loss mitigation and credit counseling referral in effort to help borrowers to avoid foreclosure actions and to minimize risk to the company
• Made both inbound and outbound calls to service delinquent accounts
• Determined borrowers’ reason for delinquency and performed a thorough review of each account’s financial hardship
• Determined financial capacity and commitment of each customer and educated them on resolution alternatives
• Gap: Actively seeking employment

• Assisted Verizon LiveSource Telecom Marketing department with forecasting and pricing analysis for Directory Assistance (DA) products
• Performed data gathering and analysis to support DA and Listings rate increases
• Assisted in financial analysis of product -line’s preliminary budget
• Created report on key product groups for the development of the product line strategy
• Participated in competitive analysis by making several test calls to provide data for product, market, and customer needs assessment
• Helped create monthly trending spreadsheet for both Listings and Retail DA products to understand Revenue per Unit (RPU)
• Learned about the impact of tariffs and regulations on Retail DA and Listings products
• Gap: Actively Seeking Employment

• Abstracted information from a newly acquired account of over 9,000 contracts
• Assisted Asset Managers with locating potential acquisitions