Michael Blevins
Independent Consultant - Certified Fraud Examiner
Palm Springs,CA
Summary
Successful fraud risk management business professional with demonstrated track record consulting. Exceptional program, team and project manager. Skilled at mentoring staff, integrating ideas and customizing approaches to support specific means and goals.
Overview
40
40
years of professional experience
1
1
Certification
Work History
Independent Consultant
Michael Blevins And Associates
Palm Springs, CA
05.2023 - Current
- Collaborate with cross-functional teams to successfully deliver comprehensive solutions for clients, such as fraud risk assessments.
- Provide ongoing support to clients post-implementation, ensuring long-term success of implemented solutions.
- Deliver outstanding service to clients to maintain and extend relationship for future business opportunities.
- Evaluate client needs and expectations, establishing clear goals for each consulting engagement.
- Develop innovative strategies for clients to reduce their fraud risks, resulting in increased revenue and business growth.
- Assist clients in navigating complex industry challenges, offering expert guidance and strategic recommendations.
- Aligned closely with business owners and employees to gather information and gain operational insight enabling one client to realize 2% net profit improvement post-engagement.
Mortgage Loan Consultant
LoanDepot
Palm Springs, CA
11.2018 - 05.2022
- Attended networking events to generate new leads, expanding brand visibility within local community and fostering valuable partnerships with real estate professionals.
- Collaborated with underwriters and processors to expedite loan approvals, ensuring timely completion of all necessary steps.
- Assisted clients in selecting suitable mortgage products by thoroughly explaining various loan program features, terms, and conditions.
- Provided exceptional customer service throughout entire loan process, leading to increased referrals from satisfied clients.
- Consistently produced more loans than required to meet company standards.
- Enhanced loan approval rates by diligently pre-qualifying mortgage applicants and accurately assessing their financial capabilities.
Mortgage Loan Consultant
The Mortgage House
Palm Springs, CA
06.2015 - 11.2018
- Assisted clients in selecting suitable mortgage products by thoroughly explaining various loan program features, terms, and conditions.
- Enhanced loan approval rates by diligently pre-qualifying mortgage applicants and accurately assessing their financial capabilities.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Cultivated strong relationships with referral partners such as realtors, builders, attorneys, resulting in consistent lead generation from trusted sources.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Increased company reverse mortgage lending by 15%.
- Assessed loan portfolios for compliance with underwriting policies
Manager, Loan Services
Los Angeles Police Federal Credit Union
Van Nuys, CA
02.2009 - 06.2015
- Managed mortgage servicing and collection departments. Managed mortgage originations and on interim basis.
- Maximized performance by monitoring daily activities and mentoring team members.
- Maintained compliance with regulatory, investor, and company guidelines.
- Built stringent quality control measures to maintain stern conformity to industry norms, rules, and best practices.
- Oversaw cases involving check fraud, elder fraud, deposit fraud and other cases as assigned.
- Participated in Anti-Money Laundering, Red Flags, and Fraud Committees
- Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty.
- Decreased delinquency ratio by 3% to company low.
Vice President, Investor Accounting
Countrywide Home Loans - Bank Of America
Simi Valley, CA
01.2006 - 02.2009
- Collaborated with senior management to develop strategic initiatives and long term goals.
- Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
- Maintained departmental compliance with investor and regulatory requirements by overseeing quarterly SOX 404 and Regulation AB testing.
- Reviewed operations, evaluated and tested internal controls, documented findings and presented to management.
- Acted as liaison between investor accounting division and state and other outside regulators, as well as external auditors.
- Coordinated audits with internal audit, responded to any findings, implemented recommendations as warranted.
Servicing Specialist
Fannie Mae
Pasadena, CA
06.1996 - 11.2005
- Managed mortgage servicing relationship between Fannie Mae and assigned mortgage lenders in conjunction with underwriter, risk manager, and marketing manager.
- Evaluated lenders by creating monthly performance reports and developing metrics, and made recommendations to management regarding approval, suspension, or termination of relationships.
- Improved customer satisfaction by efficiently addressing and resolving servicing issues in timely manner.
- Conducted thorough research on complex issues, providing accurate information to clients while adhering to regulatory guidelines and company policies.
- Reviewed account documentation, identifying discrepancies or inaccuracies that could impact client relationships or business operations.
- Avoided potential significant loss by terminating lender's right to service or sell loans to Fannie Mae following in-depth financial analysis.
- Affirmed loan document accuracy to protect company and lenders from potential fraud.
- Reduced losses to company by over $1M per quarter by approving loan modifications for client (Countrywide).
Assistant Vice President, Mortgage Loan Servicing
Great Western Bank
Northridge, CA
09.1987 - 06.1996
- Handled seized and forfeited property cases with outside law enforcement agencies in conjunction with legal department.
- Monitored and resolved mortgage fraud cases pertaining to loan assumptions, straw buyers, occupancy misrepresentation, financial statements and cases with insurance fraud.
- Maximized recovery by investigating fraudulent activity, preparing case files for legal department, and collaborating with outside counsel and law enforcement agencies.
- Managed default and loan modification departments for both single family mortgages and commercial mortgages. Oversaw appointment of receivers for commercial properties and managed process throughout appointment.
- Maximized recovery by investigating fraudulent activity, preparing case files for legal department, and collaborating with outside counsel and law enforcement agencies.
- Handled administrative duties to assist senior leadership and over 51 staff members
Senior Loan Counselor
ARCS Mortgage
Canoga Park, CA
07.1984 - 09.1987
- Provided expert advice on loss mitigation options for distressed borrowers facing financial hardship or potential foreclosure situations.
- Acted as liaison between borrowers and third-party service providers involved in loan process such as appraisers, title companies or escrow agents when necessary.
- Reduced delinquency rates through proactive communication and targeted outreach efforts to at-risk borrowers.
- Assisted in training new loan counselors, sharing best practices and industry knowledge to improve team performance overall.
- Maintained detailed records and documentation related to each client interaction, ensuring accurate data was readily available for reporting purposes or future reference by colleagues as needed.
- Decreased delinquency ratio to .50% level, considered "zero" for my portfolio.
Education
High School Diploma -
Rim Of The World Senior High School
Lake Arrowhead, CASome College (No Degree) - Business Administration
California State College, San Bernardino
San BernardinoSkills
Client Requirements Assessment
Fraud Detection
Audit reporting
Team Collaboration
Report Preparation
Analytical Skills
Data Analytics
Fraud Risk Assessments
Fraud Detection
Certification
Certified Fraud Examiner
Timeline
Independent Consultant
Michael Blevins And Associates
05.2023 - Current
Mortgage Loan Consultant
LoanDepot
11.2018 - 05.2022
Mortgage Loan Consultant
The Mortgage House
06.2015 - 11.2018
Manager, Loan Services
Los Angeles Police Federal Credit Union
02.2009 - 06.2015
Vice President, Investor Accounting
Countrywide Home Loans - Bank Of America
01.2006 - 02.2009
Servicing Specialist
Fannie Mae
06.1996 - 11.2005
Assistant Vice President, Mortgage Loan Servicing
Great Western Bank
09.1987 - 06.1996
Senior Loan Counselor
ARCS Mortgage
07.1984 - 09.1987
High School Diploma -
Rim Of The World Senior High School
Some College (No Degree) - Business Administration
California State College, San Bernardino