Randy O. Thomas
DeSoto,TX
Summary
Resourceful Loan Servicing Representative with proven track record in managing loan portfolios, ensuring compliance with lending regulations, and providing top-notch customer service. Known for strong analytical skills, demonstrating proficiency in interpreting financial data and troubleshooting account issues. Contributed significantly to streamlining processes, improving efficiency while maintaining accuracy in previous roles.
Overview
12
12
years of professional experience
Work History
TX
Reprise Financial
Irving, TX
04.2023 - Current
- Monitors and contacts customers with outstanding debts
- Works to bring customers into active status by reviewing payment options, extensions, loan modifications
- Process payments from customers, assists them with setting up recurring or single payments
- Exceptional critical and analytical thinking, decision-making, and innovative problem-solving skills
- Research history such as ACH transactions, disputes, posting errors, and submits corrections
TX
PennyMac Company
Plano, TX
03.2022 - 12.2022
- Collaborate with foreclosure, bankruptcy, and REO vendors to reduce risk exposure
- Coordinate title and vesting process handling collateral issues
- Handled complex pre-foreclosure files demanding advanced skills
- Assess credit profiles and financial reports to appraise lending risk
- Managed foreclosure, bankruptcy, redemptions, evictions and property preservation process for foreclosed individual and commercial properties
- Extensive familiarity with FHA, VA, and GSE regulations
TX
Consolidated Analytics
San Antonio, TX
01.2021 - 12.2021
- Responsible for ensuring data integrity and reconciliation correcting claim packages for submission
- File, process and self-curtail claims if compliance is not met through guidelines and LoanSphere claims processing overview
- Creating claim packages and building a case with prepared supporting documentation and filing
- Manage and perform audits associated with corrective steps to remediate gaps in process resulting in loss, reconcile all claimable funds and remediate outstanding issues
TX
Consolidated Analytics
San Antonio, TX
01.2020 - 12.2020
- Perform analysis of all flood timelines in response to Fannie Mae's request for gap insurance and implementing coverage for flood zones.
- Compiled supporting documentation for hazard and flood insurance cases
- Analyze all existing and future contracts for default servicing of hazard insurance for mortgage clauses and preferred insurance coverage requirements to ensure USAA is in compliance with all servicing guidelines.
- Enhanced readiness of correspondent brokers for prompt response procedures
TX
Solomon Edwards Group
Farmers Branch, TX
01.2018 - 11.2019
- Capture and gather supporting evidence on claims for delayed mortgages and default process when timelines were expected, or expenses were not reimbursed by a third party.
- Conducted comprehensive reviews of mortgage documents to identify possible fraud
- Research various default and foreclosure-related documents, interpreting information gathered, and preparing a claim to recover funds from their parties.
- Created detailed claim packages and documented supporting materials
- Conduct collateral evaluation and identify exceptions
- Educated staff on Fannie Mae, Freddie Mac guidelines and private investor protocols
TX
Ocwen Financial f/k/a GMAC
Coppell, TX
02.2013 - 12.2017
- Design test plans, document critique, automated and manual testing, scripts, and procedures.
- Stayed current with GSE and government mortgage guidelines
- Supporting role for GSE/GOV Vendor Representatives, claim processing, and Loss Analysis associates and executives.
- Established metrics to measure compliance risks and conflict management performance
- Develop testing programs and procedures for specific departments and discover issues.
- Created and maintained test scripts aligned with National Mortgage Settlement.
- Contributed to an internal review group focused on process auditing for standard compliance
- Identifying inconsistencies resulting in loss and any opportunity to recoup funds.
Education
12/2024
12.2024
McPherson, KS
McPherson, KSJustin F Kimball HS
Skills
- Technical Skills: Citrix, REALServe, UAT Testing, Black Knight, Encompass, ACH Transactions, InContact, Conduent Loan Management, TLO, TriNet, Google Chrome, Loan Sphere, SAP, Finance, Accounting, Litigation, FISERV, MSP, LSAMS, LPS, iPortal, Alltel/CPI Mortgage System, Pacer, Lenstar Mortgage System, Workflow Testing, NewTrak, Vendorscape, Microsoft Office Suite (Excel, Power Point, Word, Access, Outlook, Teams, ), Windows, Internet
- Technical Skills: Citrix, REALServe, UAT Testing, Black Knight, Encompass, ACH Transactions, InContact, Conduent Loan Management, TLO, TriNet, Google Chrome, Loan Sphere, SAP, Finance, Accounting, Litigation, FISERV, MSP, LSAMS, LPS, iPortal, Alltel/CPI Mortgage System, Pacer, Lenstar Mortgage System, Workflow Testing, NewTrak, Vendorscape, Microsoft Office Suite (Excel, Power Point, Word, Access, Outlook, Teams, ), Windows, Internet
References
References available upon request.
Timeline
TX
Reprise Financial
04.2023 - Current
TX
PennyMac Company
03.2022 - 12.2022
TX
Consolidated Analytics
01.2021 - 12.2021
TX
Consolidated Analytics
01.2020 - 12.2020
TX
Solomon Edwards Group
01.2018 - 11.2019
TX
Ocwen Financial f/k/a GMAC
02.2013 - 12.2017
12/2024
McPherson, KS
Justin F Kimball HS
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