Summary
Overview
Work History
Education
Skills
Software
Work Preference
Accomplishments
Work Availability
Timeline
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LaQuita Goods

Chicago,IL

Summary

Dynamic Mortgage Default Specialist with proven expertise in loss mitigation and negotiation at Wintrust Mortgage. Achieved significant operational improvements by developing key performance metrics and customized action plans, enhancing borrower satisfaction through effective communication and problem-solving. Skilled in default management and committed to regulatory compliance, fostering strong relationships with clients and stakeholders.

Overview

10
10
years of professional experience

Work History

Mortgage Default Specialist

Wintrust Mortgage
03.2020 - 07.2025
  • Improved operational efficiency by maintaining accurate records of borrower communications, payment arrangements, and account statuses.
  • Developed key performance metrics for monitoring departmental effectiveness in mitigating mortgage defaults.
  • Developed customized action plans for borrowers experiencing financial hardship, facilitating successful loan reinstatements or alternative solutions to foreclosure.
  • Conducted regular portfolio reviews to identify trends and areas of improvement for ongoing risk management efforts.
  • Ensured regulatory compliance by staying current on industry developments and relevant legislation affecting mortgage default management practices.
  • Negotiated mutually beneficial workout solutions with borrowers, including loan modifications, forbearance agreements, and short sales.
  • Served as liaison between borrowers, attorneys, title companies, and other stakeholders during foreclosure proceedings for seamless case management.
  • Enhanced client satisfaction through prompt resolution of delinquency issues and proactive communication with borrowers.
  • Fostered strong relationships with clients, vendors, and colleagues through effective communication and collaboration in addressing mortgage default challenges.
  • Streamlined the foreclosure process by managing timelines, coordinating with legal teams, and ensuring compliance with regulations.
  • Conducted thorough loan reviews to identify potential default risks and recommend appropriate action plans.
  • Consistently met or exceeded established goals related to loss mitigation, delinquency resolution, and borrower satisfaction.

Student Loan Collector

Unifin
08.2018 - 02.2020
  • Boosted overall collections department performance with consistent achievement of personal monthly goals for recovered funds.
  • Utilized advanced software tools to effectively manage large portfolios of student loans in various stages of delinquency or default status.
  • Maximized recoveries by diligently monitoring defaulted student loans and initiating timely follow-ups with borrowers.
  • Enhanced borrower relationships through empathetic listening and providing relevant information on available repayment options.
  • Improved negotiation skills through regular training sessions, resulting in higher recovery rates for outstanding loan balances.
  • Reduced delinquency rates by implementing effective communication strategies and payment plans tailored to individual borrowers.
  • Contributed to company-wide initiatives aimed at refining collection processes for better alignment with industry trends and evolving regulatory requirements.
  • Developed customized payment arrangements based on borrowers'' financial situations, increasing the likelihood of successful repayments.

Bankruptcy Special Assets Specialist

Fay Servicing
03.2015 - 07.2018
  • Followed all company policies and procedures to deliver quality work.
  • Improved customer satisfaction rates through proactive problem-solving and efficient complaint resolution.
  • Collaborated with cross-functional teams to achieve project goals on time and within budget.
  • Implemented new training programs for staff, leading to higher employee retention rates and better overall performance.
  • Championed the adoption of new software tools that streamlined workflows across multiple departments.
  • Assisted in developing strategic plan that aligned with long-term company goals.
  • Enhanced customer satisfaction with timely and accurate issue resolution.

Education

Bachelor of Science - Business Administration And Management

Chicago State University
Chicago, IL
05-2003

Skills

  • Default management
  • Bankruptcy procedures
  • Negotiation
  • Underwriting principles
  • Foreclosure prevention
  • Loan modification
  • Loss mitigation expertise
  • Collections strategies
  • Mortgage servicing standards
  • Escrow administration
  • Loan servicing
  • Documentation review
  • Payment processing
  • Credit analysis
  • Dispute resolution
  • Skip tracing
  • Portfolio management
  • Loss mitigation
  • Teamwork and collaboration
  • Customer service
  • Problem-solving
  • Time management
  • Debt settlement

Software

Microsoft word, suite, excel and powerpoint

Work Preference

Work Type

Full Time

Location Preference

On-SiteRemoteHybrid

Important To Me

Career advancementPersonal development programsHealthcare benefitsPaid time offStock Options / Equity / Profit Sharing401k matchPaid sick leaveTeam Building / Company Retreats

Accomplishments

  • Collaborated with team of 3 in the development of Loan Modification satisfaction.
  • Resolved product issue through consumer testing.
  • Achieved the highest honor of least foreclosures by completing more loan modifications with accuracy and efficiency.
  • Supervised team of 3 staff members.
  • Documented and resolved escrow issues which led to customer satisfaction.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Mortgage Default Specialist

Wintrust Mortgage
03.2020 - 07.2025

Student Loan Collector

Unifin
08.2018 - 02.2020

Bankruptcy Special Assets Specialist

Fay Servicing
03.2015 - 07.2018

Bachelor of Science - Business Administration And Management

Chicago State University

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