Justina Luna Kosareff

A diversified professional with over 15 years experience working with a variety of stages in default servicing, compliance operational risk, and loan origination in the financial services industry. Strong qualifications in: researching and reviewing complex income documentation. Oriented individual with excellent written and oral communication skills, ability to maintain clear focus on tight deadlines, and superior organization skills with exceptional attention to detail. Embodies "customer first" philosophy and always strives to deliver exceptional service to all customers, sales, and fulfillment partners. Analytical approach to identifying gaps and critical challenges, with an understanding of the scope and impact of risk involved. Proven experience in ability to seamlessly adapt and remain flexible while maintaining high level of productivity.

• Vice President Loan Documentation; Foreclosure & Bankruptcy – Chapter 7 and 13 (Wells Fargo)
• TX Loan Originator | Certified to review and process loans in the state of Texas.

• Maintained pipeline of 40+ of Wells Fargo's high net worth clients (loan amounts over $2MM), as well as having multiple returning clients.
• Served as a supervisor at Wells Fargo and managed individual pipelines of over 75 staff members from file assignment to completion, which strengthened the ability to manage multiple priorities and projects and maintain excellent working relationships with team members inside and outside the origination.
• Contributor to the development and implementation of several projects and initiatives under Default Servicing, subject to intense scrutiny from multiple levels of government oversight.
• Served as the Santa Ana site’s SharePoint lead and validated site reporting against Servicing Data Analytics (SDA). Audited reports and reviewed and corrected all illogical information to ensure all files were accurately reporting in the correct stages of our file flow process. By monitoring and creating daily reports which in turn assisted with improving the Santa Ana site’s turn-time by 41.07% from April 2015 to September 2015.
• Developed and implemented processes and controls for the beginning states of Judicial Foreclosure with the collaboration of a variety of partners, including internal and third party attorneys, management, and multiple team memes throughout the default organization.
• Designated Subject Matter Expert (SME) and worked as a liaison by conducting training for multiple partner sites within Document Execution during their transition of an inherited line of business and new system deployments.
• Traveled to Raleigh, NC partner site to provide hands on training and SME support prior to building their first sample of loans for RECOR (Real Estate Compliance & Operational Risk) Audit. Completed a 2nd level review of the Raleigh site’s RECOR sample, which resulted in a 100% quality for 3+ months.