Summary
Overview
Work History
Education
Skills
Timeline
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Natacha Mattox

Los Angeles,CA

Summary

Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

23
23
years of professional experience

Work History

Credit Risk Analyst

LoanDepot
03.2021 - 09.2023
  • Created, updated, and provided maintenance of credit policies, and procedures, while improving operational efficiencies of matrices, and factsheets
  • Maintained, developed, and wrote product matrices reflecting program guidelines and lending guidelines for all offered affordable housing products
  • Completed monthly re-certifications and renewals for each affordable housing bond program
  • Reviewed and analyzed policies and procedures and made recommendations for efficiency and improvement
  • Collaborated with business leaders to ensure policies were accurately addressed with business and legal requirements
  • Identified issues, developed procedures, and conducted working sessions with management for new products
  • Ensured clear audit trails by tracking and documenting all tasks appropriately, using established team methods and tools
  • Maintained strong working knowledge of regulations to ensure compliance
  • Collaborated with Operations to create and maintain Job Aids and internal resources related to system requirements, program guidelines, policies and procedures.

Loan Management Support – Associate

Fannie Mae
06.2018 - 03.2021
  • Managed monthly Single-Family Acquisitions loan delivery transactions
  • Alleviated Fannie Mae’s operational risk as it related to cash remittances, security updates, loan level reporting, MBS disclosures, lender reconciliations, and data integrity
  • Analyzed and resolved loan delivery edits for assigned lender portfolio
  • Identified trends and patterns related to acquisitions activity; developed action plans; implemented resolutions in a timely manner; escalated issues that extended over portfolios and participated in resolutions
  • Provided monthly status updates for various lenders, including incident reports, Straight Through Processing, Desktop Underwriter, and Turnaround Times
  • Tracked trends in custodian certification status for assigned lenders, ensuring MBS pools and whole loans were certified and purchased within Fannie Mae’s specified guidelines
  • Served as a Liaison to customers regarding operational performance in areas such as monthly servicing, delivery accuracy, pricing, custodial account management, cash management, reporting, and lender compliance
  • Provided resolution to customers on outstanding concerns and issues with pending deliveries while determining the appropriate course of action to facilitate funding of the customer's deliveries
  • Supported activities related to funding and delivery of whole loans through Loan Delivery platform and Desktop Underwriter

Supervisor - Executive Assistant

AA Shuttle Services
08.2011 - 06.2018
  • Assisted senior management with planning and facilitation of client meetings to improve understanding and mediating issues
  • Supported senior executives with writing and editing emails, drafting memos, and preparing communication on the executive's behalf
  • Organized meetings with external clientele for new business opportunities
  • Scheduled departmental meetings, sent reminders, managed and organized calendars
  • Answered customer calls in a polite and professional manner
  • Coordinated travel arrangements including but not limited to flights, hotels, and dinner reservations for potential clients
  • Completed expense reports for drivers reimbursement for tolls, and mileage
  • Performed data entry and spreadsheet maintenance
  • Established a professional working relationship with other Executive Assistants to coordinate events and other projects
  • Resolved internal and external complaints and referred grievances and unresolved complaints as appropriate
  • Provided Public Relations Advocacy for new hire, while acting as liaison between public service commissioner and drivers
  • Interviewed candidates for positions within the organization and recommended appointment, promotion, and reassignment to positions
  • Resolved internal and external complaints and referred grievances and unresolved complaints as appropriate
  • Provided Public Relations Advocacy for new hire, while acting as liaison between public service commissioner and drivers.

Client Service Consultant Lead

Wells Fargo Home Mortgage
06.2009 - 08.2011
  • Worked as a Liaison between Wells Fargo and third-party non-profit agencies for loans supported by the Community Affordable Housing Assistance Loss Mitigation team
  • Managed and built long-term relationships, while partnering with outside Counselors to ensure accuracy
  • Played hands on roll with management to assisted in building the liaison team
  • Supported affordable lending initiatives for territory
  • Worked closely with senior management and project management team in developing high level database models in the pilot of UAT testing and ERCP early resolution counselor portal for non-profit agents
  • Validated investor hierarchy guidelines within ERCP database program
  • Conducted client training on products, services, company policies, procedures and regulations for ERCP
  • Assisted project management team in development of flow charts to introduce nonprofit agents to ERCP

Home Preservation Loss Mitigation Specialist

Wells Fargo Home Mortgage
06.2009 - 03.2010
  • Interpreted Work Rules and Investor Guidelines to remain in compliance when requesting required documentation for retention options
  • Reviewed loan servicing history records to determine services compliant with HAMP, standard modification, forbearance, and foreclosure guidelines
  • Reviewed loan file images in a document management system and documenting quality review results
  • Utilized Knowledge of Desktop Underwriter (DU) and Loan Prospector (LP) Automated Underwriting System (AUS) input and interpretation
  • Made decisions on residential loans for approval or denials
  • Investigated and evaluated credit histories to determine credit worthiness of individual borrowers
  • Traveled nationally to meet with customers face-to-face to evaluate and assess mortgage loss mitigation documents
  • Submitted monthly expense reports for food, travel, and hotel reservations for reimbursement
  • Monitored and conducted quality reviews of loan underwriting and loss mitigation for FHA single-family loss mitigation housing loans
  • Effectively worked a case loan portfolio of 115+

REO Asset Recovery Manager

Wells Fargo Home Mortgage
06.2006 - 06.2008
  • Served as asset manager for single-family property portfolios for agency-owned properties
  • Managed real estate owned portfolio of over 250 single-family properties for multiple states from pre-listing to closing in high level Oracle database
  • Negotiated contract offers and compiled data to receive the best price for the client, while reviewing and analyzing current and historic market trends
  • Provided daily communication with attorneys, agents, eviction reps and realtors to negotiate closing dates and best offers
  • Reviewed single family dwelling appraisals and BPO valuations with the ability to identify comparables, in order to write MLS for relisting properties on the market at the highest price available
  • Proven skills and abilities in oral and written communications, customer service, problem solving skills, and interpersonal skills required to responding effectively to requests and bids
  • Proficient in Excel and Microsoft Word

Underwriter I – Processor

Wells Fargo Home Mortgage
06.2002 - 06.2006
  • Originated new single-family dwelling loans for Conventional, VA & FHA loan products, while assisting customers with application completion and documentation approvals
  • Built relationships with loan officers, realtors, selling agents, and buyers in order to close loans, refinance and assist new buyers in new loan purchases
  • Knowledge of Desktop Underwriter (DU) and Loan Prospector (LP) Automated Underwriting System (AUS) input and interpretation
  • Originated loans for conventional, VA, and FHA loan products
  • Ability to prioritize and handle multiple tasks simultaneously

Collections Customer Service Representative

Wells Fargo Home, Mortgage
10.2000 - 06.2002
  • Handled incoming calls to establish payment plans for defaulted loans and processed check by phone payments to bring SFD loans current
  • Demonstrated excellent phone etiquette with advanced Customer Service skills and business writing
  • Consistently ranked on target or above in performance modules ranging from quality, production, and other MPP goals
  • Possessed strong research abilities within Mortgage Servicing relating to default, payment processing, escrow, and a variety of other mortgage inquiries
  • Analyzed delinquent loans including consideration of such matters as the extent of delinquency in individual loans.

Education

Master of Arts - Public Administration

Shippensburg University of Pennsylvania
Shippensburg, PA

Bachelor of Arts - Political Science

Shippensburg University of Pennsylvania
Shippensburg, PA

Skills

  • Interpersonal skills
  • Regulatory Examinations
  • Customer Relations
  • Judgmental Lending
  • Customer Account Review
  • Managing Defaults
  • Credit Decisions
  • Loan Documentation and Policies
  • Verbal and Written Communication

Timeline

Credit Risk Analyst

LoanDepot
03.2021 - 09.2023

Loan Management Support – Associate

Fannie Mae
06.2018 - 03.2021

Supervisor - Executive Assistant

AA Shuttle Services
08.2011 - 06.2018

Client Service Consultant Lead

Wells Fargo Home Mortgage
06.2009 - 08.2011

Home Preservation Loss Mitigation Specialist

Wells Fargo Home Mortgage
06.2009 - 03.2010

REO Asset Recovery Manager

Wells Fargo Home Mortgage
06.2006 - 06.2008

Underwriter I – Processor

Wells Fargo Home Mortgage
06.2002 - 06.2006

Collections Customer Service Representative

Wells Fargo Home, Mortgage
10.2000 - 06.2002

Master of Arts - Public Administration

Shippensburg University of Pennsylvania

Bachelor of Arts - Political Science

Shippensburg University of Pennsylvania

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Natacha Mattox