Mark La Valle
Jacksonville,FL
Summary
OBJECTIVE is to have a rewarding career with a company that will allow growth and knowledge and where I can also utilize my skills and experience.. Default trained on Sagent, E-Oscar, Pacer, Aacer. (Black Knight) Worked on process improvements E-Oscar, Sagent Bankruptcy, Loss Mitigation, Litigation and Credit reporting research skills. Training Classes throughout the year to keep up with rules and regulations. Management of as many employees as 20. Very adaptive under stressful circumstances and with tight deadlines. Trained in Microsoft Word, Excel, PowerPoint. Technical Associates Degree in Applied Science. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
22
22
years of professional experience
Work History
Credit Reporting and Research Analyst
Freedom Mortgage
11.2021 - 09.2023
- Loan Serve system used; Worked disputes that were sent by borrowers through chosen credit bureau through E-Oscar as ACDV
- Dispute would be reviewed analyzed and researched and corrected if needed with AUD
- Also handled written and verbal disputes
- DR Notification report and CIT's with verbal and written disputes to be completed by allowed dates. Created steps to work report.
Bankruptcy Specialist 2
Flagstar Bank, FSB
09.2001 - 11.2021
- Flagstar purchased Loan Care Servicing LLC default servicing 10/1/19
- During Covid-19 have been taking calls for forbearance help and discussing options that will be available when things clear up
- Handles BK loans Cradle to grave CH7 loans
- Handled Reaffirmation agreements, worked Aacer events daily, Stars reports and OZT
- Worked assigned special projects and new loan that were boarded.
Bankruptcy Specialist 2
Loan Care Servicing
11.2017 - 09.2019
- Specialist 2 – Loan Care Servicing
- Review and login bankruptcies filed chapter 7, 13 and 11 cases, and file claims if needed
- Work assigned file start to finish
- If motion is needed request attorney to file
- Pay Histories, Payoff's, payments and assist borrowers on phone with questions
- Also worked Heloc and settlement offers for Client
- Operated with little or no supervision from Management
- Handled CIT loans that filtered through Bankruptcy.
Junior Litigation Specialist
Selene Financial/Hudson Marshall
10.2016 - 06.2017
- Review all cases that are sent to litigation to determine if loan will be serviced in litigation and assign to representative to proceed
- Assign ROGGs to each person to complete if in foreclosure status and pull reports daily for LPS missing info
- Reviewed any code violations to be assigned property preservation and attorney to have corrected.
Escalation Default Coordinator
Everhome/Greentree/Ditech Mortgage
12.2011 - 08.2016
- Review loans that are in Bankruptcy and have issues prior to logging them out in system start all processes
- Additionally work with cram downs and liens that are stripped down and then set up manual tracking in system
- All Ditech Recon's and final cures as well as scrubbing new acquisition files are done within company
- Worked loans from day one till out of bankruptcy
- Handled calls from attorneys and debtors with questions about account
- Handled many Loss Mitigation calls on BKLM
- (Ever-Bank sold defaulted loans to Green Tree servicing along with staff so accrued time was kept. There was no gap in between.)
Bank Field Investigator
M & T Bank
03.2008 - 12.2011
- Responsible for all Loss Mitigation for states Florida, Georgia, Tennessee, Alabama, Virginia, North and South Carolina and 8 other states
- Inspect properties that are currently in default on their payments and document condition of property
- Make direct contact with mortgage holder or third party to discuss options such as loan modification, short sale or deed in lieu
- Spear headed several outreach programs in Maryland that were constructed to reach multiple homeowners at once as well as monthly newsletter distributed to upper management and their teams
- Being senior field agent of group, I mentor and train other field agents regularly
- Highest producer on team also would locate property for repo that could not be located.
Financial Support Specialist
Fidelity Foreclosure Solutions
04.2006 - 10.2007
- Responsible for Proofs of Claim, Bankruptcy Plan filing, verification of Bankruptcy and reviewed all cases for abusive filings
- Reviewed discharged Bankruptcies, managed loss prevention, made recommendations on forbearance agreements, made recommendations and worked closely with attorneys on legal cases
- Analyzed loan balances upon discharge, made Special Instruction bids, worked closely with investor and MI insurance guidelines.
Portfolio Manager
Option One Mortgage
01.2003 - 03.2006
- Familiar with all Bankruptcy chapters including 7, 11, 12 and 13
- Responsible for Log-in, Plan reviews, motions, Agreed Orders, Breaches and logouts
- Created specialized reports to keep losses to minimum and managed states to ensure outsourcing was done correctly
- Was essential part of Bankruptcy pilot team for setting up guidelines for outsourcing, Property tax Prevention, and worked closely with other departments to prevent to tax sales
- Attended weekly POC committee meetings, including meeting with other major mortgage companies to discuss various issues.
Education
Associate of Applied Science - Applied Science Garland Texas
ITT Technical Institute
Garland, TX12.1991
Skills
- Financial Statements Expertise
- Data Analysis
- Verbal and Written Communication
- Credit Monitoring
- Legal Knowledge
- Team Meetings
- Portfolio Monitoring
- Payment Arrangements
- Bankruptcy and Restructuring
- Resolve Complaints
- Delinquency Monitoring
- Customer Care
- Payment Discrepancy Research
- Information Updates
- Loan Documentation
- Correspondence Writing
Timeline
Credit Reporting and Research Analyst
Freedom Mortgage
11.2021 - 09.2023
Bankruptcy Specialist 2
Loan Care Servicing
11.2017 - 09.2019
Junior Litigation Specialist
Selene Financial/Hudson Marshall
10.2016 - 06.2017
Escalation Default Coordinator
Everhome/Greentree/Ditech Mortgage
12.2011 - 08.2016
Bank Field Investigator
M & T Bank
03.2008 - 12.2011
Financial Support Specialist
Fidelity Foreclosure Solutions
04.2006 - 10.2007
Portfolio Manager
Option One Mortgage
01.2003 - 03.2006
Bankruptcy Specialist 2
Flagstar Bank, FSB
09.2001 - 11.2021
Associate of Applied Science - Applied Science Garland Texas
ITT Technical Institute
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