Malinee Natera
Clementon
Summary
With over 10 years of experience in mortgage default and accounting, dedicated and professional individual excelling in collections, communications, customer service, loss mitigation, single point of contact (SPOC), HELOC foreclosure, accounts receivable, and invoice management. Proficient in Microsoft Office programs including Excel (VLOOKUPs), Outlook, Word, and PowerPoint. Familiar with MSP, LoanSphere/Black Knight, and Back in the Black software. Experience in budgets, payroll, accounts payable/receivable, and patient care further enhances skill set.
Overview
18
18
years of professional experience
Work History
HELOC Foreclosure Specialist
Cenlar FSB
10.2017 - 11.2023
- Manually Setting up New Monitor Referrals (Assigning to a firm, setting up FC workstation, removing stops, changing Mancodes, Creating Step Codes and Retrieving Mortgage Docs)
- Building Sr Lien Monitor Loans into Black Knight/LoanSphere
- Tracking and Monitoring a portfolio of 300+ loans monthly (combination of Active Sales, BK, Litigation, Client Managed and Monitor files)
- Prepare and revising documentations for Execution (Affidavits, AOM, SOTs, etc.)
- Submitting loans for Charge off Approvals post sale
- Sorting and Answering emails in HELOC Mailbox
- Tracking and Assisting Default Accounting with posting Surplus Funds
- Generating payoff and reinstatement statements upon request
- Diffusing Escalations
- Maintaining Email etiquette by Communicating updates to Clients and Attorney
- Assisting customer service and other departments with questions and concerns regarding HELOC loans
- Creating Job Aids and training new recruits
Payoff Rep. II
Cenlar FSB
10.2016 - 10.2017
- Completion of Wires and Checks Processing Timely
- Generating Payoff Statements which includes appropriate good thru date and per diem
- Working with Cenbase software, MSP, MS Excel Daily
- Contacting Title companies and borrowers regarding shortage
- Research reason for balance shortages
- Returning Checks and Wires
HELOC Foreclosure Rep. I-II / Accounts Payable
PHH Mortgage Service
10.2012 - 10.2016
- Lean Six Sigma -Yellow Belt Certified
- Worked with MSP / LPS & Black Knight software
- Assist with JP Morgan service release portfolio
- Assisted with Document Execution for various clients
- HELOC Accounts Payable (Attorney invoices, outside vendors for title search and BPO search)
- Generate Reinstatements and Payoff letters upon request
- Document Execution for attorneys upon request
- Send off Wires for bids before a sale
- Answering inbound and outbound calls from attorney's and borrowers
- Generating speed pay transactions
- Applying reinstatements and payoffs when they come in and removing loan from foreclosure status when applicable
- Keeping track of sale dates
- Communicating back and forth with attorneys for updates regarding foreclosure process and updating files accordingly
Loss Mitigation Specialist / SPOC
PHH Mortgage Service
07.2012 - 10.2013
- Assist existing borrowers, attorneys, and realtor with retention and liquation options
- Completed 3 months of Customer Service training
- Knowledge of DIL (deed in lieu: cash for keys programs)
- Alert customers of pending foreclosure dates, pending litigation, and pending mediations
- Reaching out by phone to inform of outcome
- Worked closely with loan processors in assisting with completion of loss mitigation packages
- Generating missing item notifications
- Internal and external communication via Outlook
- Obtained certification of completion in money laundering course
- Obtained certification in FDCA
- Faxing, scanning, and assisting with converting to paperless
Bill Collector
SRA Associates
07.2005 - 07.2012
- Maintained a quota at the end of each month
- Managed inbound and outbound calls
- Generated billing notices each month and scheduled payments
- Collections on short sale deficiencies for Chase and Bank of America
Education
Associate of Science - Heath Information Management
Herzing University
Madison, WI03.2025
Skills
- Supportive Demeanor
- Cross-Functional Teamwork
- Detail-Oriented and Productive
- Critical Thinking Skills
- Precision in Work
- Team-Oriented Project Coordination
- Demonstrated Leadership Abilities
- Positive attitude
- Teamwork and collaboration
- Organized and efficient
- Problem-solving
- Critical thinking
- Document accuracy
- Computer software proficiency
Timeline
HELOC Foreclosure Specialist
Cenlar FSB
10.2017 - 11.2023
Payoff Rep. II
Cenlar FSB
10.2016 - 10.2017
HELOC Foreclosure Rep. I-II / Accounts Payable
PHH Mortgage Service
10.2012 - 10.2016
Loss Mitigation Specialist / SPOC
PHH Mortgage Service
07.2012 - 10.2013
Bill Collector
SRA Associates
07.2005 - 07.2012
Associate of Science - Heath Information Management
Herzing University
Similar Profiles
Camella WoodburyCamella Woodbury
Vendor Manager, Sr. at CENLAR FSBVendor Manager, Sr. at CENLAR FSB
Judy HayesJudy Hayes
Customer Service Representative at Cenlar FSBCustomer Service Representative at Cenlar FSB
Marie GillMarie Gill
Claims & Loss Analysis Supervisor - GSE & VA at Cenlar, FSBClaims & Loss Analysis Supervisor - GSE & VA at Cenlar, FSB