LaToya Chinyani

Conduct quality control reviews on Performing and Loss Mitigation default loans. Manage an individual que of client loans, identifying issues and send correspondence to servicers/sub servicers through the Aces system. Review and Analyze servicing data in the servicers MSP systems to verify adherence to FHA, VA, USDA, FHMLC investors guidelines

• Self-starter with an average of 450 completed monthly reviews.
• Effective at researching, identifying issues and problem solving.
• Ability to communicate well with others and assist with team trainings.

Received and reviewed customer credit disputes daily through the E- Oscar disputes, made needed updates to the customers’ accounts and processed the responses to send to the three major credit reporting agencies. Received and responded to internal and external emails to resolve credit corrections issues.

• Analyzed disputes thoroughly to achieve accuracy for customers’ accounts.
• Exceeded daily completion goal by 10%.
• Organized emails from external business partners to ensure meeting SLA’s.

Served as a liaison between debtors and sellers on disputed accounts to provide information as required to appropriate parties. Researched disputed account issues, reviewed existing documentation to investigate and resolve customers disputes.

Electronically filed all documentation according to policy, procedures and FDCPA/FCRA guidelines. Recorded and processed all received disputes through the E-Oscar system.

• Maintained 98%-100% accuracy on monthly scorecard.
• Planned team building activities for the department.
• Volunteered to guide and train new associates on the team.

Reviewed closed loans delivered for purchase by determining the loans eligibility according to company guidelines and updated the LOS system. Communicated daily with Lenders to answer questions, explain guidelines and resolve loan level suspensions. Kept track of logged progress to provide management with daily production reports.

• Assigned to directly communicate with Lenders to assist with questions.
• Specialized in reviewing and explaining closing documents such as AUS findings, Final 1003, Transmittal 1008, Credit Reports, Title Reports, Appraisals and Bank statements.

Analyzed defaulted Bankruptcy & Foreclosure loans to determine the equity on a delinquent property. Reviewed bankruptcy pre and post-petition payments to make sure applied correctly to the contractual ledgers.

• Managed a full portfolio of specialized time sensitive and complex Mitigation programs for active BK loans.
• Responsible for special que of loans to research and resolve various problems/reports/processes.
• Effectively completed a monthly portfolio of 1,000- 1,300 loans.
• Maintained an audit ration of 5% or below and independently completed 50-60 loans per day.