Julie Kwilos
Holland
Summary
I would like to work in a challenging and stimulating environment with an opportunity to put my work experience to the test while also expanding and enriching my knowledge in the Default and Servicing Side of the Mortgage Industry.
Overview
20
20
years of professional experience
Work History
Asset Manager
Planet Home Lending, LLC
02.2019 - Current
- Responsible for reviewing and working a portfolio of delinquent/ problem loans.
- Interact with borrowers daily to cure accounts, perform account maintenance and process payments.
- Evaluate completed appraisals, broker opinions and current market data to derive internal valuations and implement property strategies.
- Create Loss Mitigation resolutions for borrowers when applicable.
- Evaluate borrowers financial information to determine potential Loss Mitigation and discuss alternatives to Foreclosure.
- Process Foreclosure Referrals, Bids, Default Liquidation Forms, Required Letters and other daily required items.
- Monitors daily cues which consist of Modifications, Short Sales, Deed in Lieus and Forbearance's.
- Apply appropriate strategies on individual accounts to successfully mitigate potential losses.
- Review Financials and hardships while working within Investor Guidelines to approve or deny potential workout options.
- Work closely with Clients and other Internal departments such as Foreclosure, Collections and Bankruptcy.
Mortgage Oversight Specialist
HSBC
11.2017 - 02.2019
- Company Overview: RBWM Mortgage Servicing
- Complete weekly Corporate Advance reviews which consists of Quality Control Reviewing our Mortgage Servicer on all Corporate Advance Transactions that they approve on a weekly basis that may be out of compliance based on FNMA, FHLMC, FHA/VA or HSBC's Fee Matrix
- Assist in Quality Control Reviewing the Corporate Advance Reviews that are completed on a weekly basis by the team for accuracy prior to the loans going to the Accounting Team for final approval or denial
- Complete Quality Control Reviews as well as Original Reviews on Bill Backs, Recoverable Charge Off's and State Statute Invoices on FNMA, FHLMC, FHA/VA and HSBC Asset Loans
- Assist with completing Weekly Reporting for management on Corporate Advance Reviews, Conventional/FHA/VA Claims and Bill Back's submitted by the Servicer for Billing when needed
- Take part in managing CERT's that were submitted to the Servicer looking for answers on loans in which there may be concerns, questions or feedback on as well as any necessary follow-up
- Researching and providing feedback on the CERT responses that are received back from the servicer on our original requests
- RBWM Mortgage Servicing
Dedicated Loan Specialist
Nationstar Mortgage
08.2016 - 08.2017
- Worked as a main point of contact for the same Client/ Investor in my last role with the prior employer completing escalated requests, daily inquiries, decision making on deals, questions and loan level discussions
- Reviewed files within the portfolio on a daily basis to ensure all loans remained in compliance with business, investor and CFPB guidelines
- Managed a Portfolio of Approximately 200 + delinquent loans for a mixed group of Investors
- Handled inbound Loss Mitigation calls for Special Servicing loans and Customer Service calls for Commercial Loans
- Contacted delinquent borrowers by telephone or in writing and determine solutions to resolve the delinquency on each account
- Responded to phone calls and written communication from borrowers, attorneys, realtors and agents of Foreclosure Prevention
- Responsible for determining the appropriate resolution for delinquent loans based on the Clients waterfall to include retention and collateral based workouts
- Presented workout recommendations to Manager/Client Committee for approval and denial of requests
- Negotiated final terms of retention or collateral based workouts and ensure timely completion
- Obtained updated property valuations, title reports and attorney recommendations regarding collateral based workouts
- Prepared and maintained monthly reports detailing the portfolio performance including results of each workout and status of future workouts
Senior Asset Manager
AMS Servicing LLC/Seneca Mortgage Servicing LLC
09.2012 - 08.2016
- Managed a mixed Portfolio of Approximately 275 + delinquent loans for a Private Investor throughout the course of 4 years
- Worked directly with that Investor as one of their main points of Contacts for escalated requests, daily inquiries, decision making on deals, questions, meeting setups on loan level discussions
- Worked directly with borrowers, 3rd parties: realtors and agents as the SPOC (Single Point of Contact) on each assigned loan
- Loss Mitigation: Solicited as needed, Underwrote Files within CFPB Timeframes (HAMP and Proprietary Modifications), worked Short Sales, Short Pay Offs as well as Deed in Lieus with Potential Cash for Keys from start to finish
- Provided Reinstatement Quotes and Payoffs as requested
- A Second Look Reviewer for files that were denied and the borrowers appealed the denial
- Completed Foreclosure Bids timely (SCRA Searches, Foreclosure Checklists, BPO's and Bid Sheets with Investor Approval)
- Reviewed all Sworn Foreclosure Documents/ Affidavits for this Specific Private Investor for any corrections that may have been needed and ensured they were compliant prior to them being executed by a signing officer
- Corresponded and worked directly with Attorneys regarding Mediation Hearings that were scheduled on Loans assigned, worked Litigated Accounts and prepared files that had Non-Jury Trial Hearings scheduled either for Settlement (Consent to Judgment), potential Loss Mitigation prior or issues that arose (missing AOM's, Allonges, Complaint Review, Note endorsements, et)
- Provided Pay History/ Escrow and Corporate Advance Breakdowns for Foreclosure and Bankruptcy Departments when needed
- Approved or Denied Hazard/ Tax and Cash task daily along with Invoice Approvals (FC, Property Preservation Bids and Litigation)
- Worked Reports that were sent out on a daily basis for exceptions and reviewed to ensure all loans were well worked and in Compliance
- Managed the DMM Portal for the company to ensure all loans in Bankruptcy that were court ordered to be reviewed for Loss Mitigation were in compliance and completed in a timely manner by each Asset Manager assigned
- Was a lead contact for other Asset Managers who also worked on the same portfolio when questions arose or assistance was needed
- Was also promoted to Senior Asset Manager due to my Loss Mitigation numbers and extra job responsibilities that I took on that differentiated me from the Asset Manager on a daily basis
Customer Assistance Specialist Supervisor
JPMorgan Chase Bank
11.2011 - 08.2012
- Supervised a team of 10 agents who were the SPOC (Single Point of Contact) for a borrower throughout the Loss Mitigation Process that extends beyond a Loan Modification
- Worked Daily Reports, Escalated Issues, Escalated Calls, Time Reporting, Floor Support and Coaching of Agents
Account Remediation Team (ART) Supervisor
JPMorgan Chase Bank
05.2011 - 10.2011
- Reviewing Escalation Requests
- Researching Issues
- Forwarding Issues to the Appropriate Department for handling
- Monitoring for Resolution from beginning to finish
- Providing feedback once an issue is resolved
- Supervised a Specialty Team of 10 ART Agents
- The ART Team was developed to provide a consolidated procedure for Escalation and Remediation for Relationship Manager Issues by performing the following:
Relationship Manager Supervisor
JPMorgan Chase Bank
01.2011 - 05.2011
- Supervised a team of 10 Relationship Managers
- Completed Underwriting Reviews, Account Reviews/ Assessments, Daily Reporting, Team Huddles and Floor Support
Research Projects Team
JPMorgan Chase Bank
09.2010 - 12.2010
- Researched and Collected dates for assigned projects
- Created and recommended procedures/ job aids for Relationship Managers
- Worked the 'One Off' projects for the Unit: researching and resolving issues that Relationship Managers and the Department came across on the floor from beginning to finish
Loss Mitigation Specialist/ Special Forbearance/ Relationship Manager
JPMorgan Chase Bank
12.2009 - 08.2010
- SME (Subject Matter Expert) for 4 months assisting with the transition of New Relationship Managers
- Created a relationship between myself and the borrowers assigned to
- Monitored loans while in Underwriting for approval and denials
- Completed Inbound Customer Service Calls
- Assisted Borrowers with questions and concerns regarding their mortgages
- Maintained a Portfolio of approximately 250 loans
- Created a relationship between myself and the borrowers assigned to
- Was in contact daily collecting needed Modification Documents and provided information regarding the current status of their loan/ modification
Retail Telephone Banker/ Retail Correspondence/ Online Banking
Washington Mutual Bank
08.2005 - 11.2009
- Completed Inbound Customer Service Calls
- Assisted Customer with their Retail and Online Banking needs
- Assisted Branches and Escalation Managers with their escalated requests
- Received the Best of ECC Award for Excellent Performance and Outstanding Contributions
- Responded to customer letters solving problems and issues
- Assisted the Branches and Escalation Managers with their escalated requests
- Back Office Work
Education
Some College - General Studies
Genesee Community College
Batavia, NYHigh School Diploma -
Holland Central High School
Holland, NY06-2003
Skills
- Exceptional Listener
- Good Communicator
- Interpersonal Skills
- Adaptive
- Positive
- Resilient
- Risk Taking
- Excellent Organization
- Productive
- Great Work Ethic
- Confident
- Hardworking
- Committed to Excellence
- Resourceful
- Team Player
- Software Proficient
Timeline
Asset Manager
Planet Home Lending, LLC
02.2019 - Current
Mortgage Oversight Specialist
HSBC
11.2017 - 02.2019
Dedicated Loan Specialist
Nationstar Mortgage
08.2016 - 08.2017
Senior Asset Manager
AMS Servicing LLC/Seneca Mortgage Servicing LLC
09.2012 - 08.2016
Customer Assistance Specialist Supervisor
JPMorgan Chase Bank
11.2011 - 08.2012
Account Remediation Team (ART) Supervisor
JPMorgan Chase Bank
05.2011 - 10.2011
Relationship Manager Supervisor
JPMorgan Chase Bank
01.2011 - 05.2011
Research Projects Team
JPMorgan Chase Bank
09.2010 - 12.2010
Loss Mitigation Specialist/ Special Forbearance/ Relationship Manager
JPMorgan Chase Bank
12.2009 - 08.2010
Retail Telephone Banker/ Retail Correspondence/ Online Banking
Washington Mutual Bank
08.2005 - 11.2009
Some College - General Studies
Genesee Community College
High School Diploma -
Holland Central High School
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