Reginald Smith
Dallas,TX
Summary
Highly motivated energetic Business Professional with a sharp focus on performance excellence with over 12 years of experience in the Mortgage Servicing Industry. Established ability to liaise between Client Relationships and Organizational Objectives. Strong Balance of Mortgage Servicing, Loss Mitigation, Quality Assurance, Bankruptcy, Claims, Customer Service and Marketing Research. Processing experience paired with Compliance, Quality Control practices that drive success in high pressure, high-risk environments.
Overview
13
13
years of professional experience
Work History
Document Control Specialist II
Mr. Cooper d/b/a Nationstar Mortgage
10.2018 - 11.2023
- Analyzing and resolving collateral file documents (original note, mortgage or deed of trust, allonge, assignment of mortgage and title policy) issues for regular and reverse mortgage loans
- Register, track and ship collateral files/documents to law firms, other lenders, investors and storage facility (Iron Mountain)
- Creating Lost Note Affidavits and Lost Note Insurance Bonds documents for collateral files with missing original note
- Interacting with internal department, attorney, lenders, investor, and county clerk of court to further obtain information regarding collateral file documents
- Research and interpret standard information and identify inconsistencies in data or results
- Remains up to date and adheres to quality standards, regulation, and all other polices to ensure quality, consistency, and compliance
- Knowledge of FHA (Federal Housing Administration) guidelines, policies, procedures, and documents
- Support business unit goals by continuous identification of process improvements and efficiencies aiding to reduce costs and improve customer service levels
- Ability to communicate and present to all levels of management including executive leadership
- Designs and analyzes moderately complex loan documentation reports to satisfy management requirements, support/control activities, and the launch of products/services.
- Streamlined document control processes by implementing efficient organization and filing systems.
- Enhanced data accuracy by performing regular audits on documentation and records.
- Ensured compliance with industry regulations by maintaining up-to-date knowledge of relevant guidelines and procedures.
Marketing Research Analyst / Client Services
Nielsen
08.2015 - 04.2020
- Working for a global performance management company that provides a comprehensive understanding of what consumers watch, listen to, and buy
- Entrust with the responsibility for placing outbound telephone calls to households across the United States to gain cooperation to participate in a research survey or recruit them to participate in a diary panel
- Established effective working relationships with clients, government officials and media representatives
- Provides customer service in a high pace contact center environment over the phone, via live chats and emails
- Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
- Utilizing analytical ability in educating respondents about the importance and purpose for our research, and using persuasiveness to gain agreement from participants.
- Increased marketing research efficiency by implementing advanced data analysis techniques and tools.
- Improved customer targeting for marketing campaigns through detailed market segmentation studies.
Reconciliations Specialist / Contractor
Solomon Edwards Group / Mr. Cooper d/b/a Nationstar Mortgage
07.2018 - 10.2018
- Performs reverse mortgage HUD claim reconciliations, data entry, quality assurance checks, and may work on special projects when needed
- Applies knowledge of business functions in pre/post foreclosure areas such as claims and invoice processing, payment approvals and research, servicer and non-servicer/ vendor activity, primary and secondary insurance, government claims, recourse and variety of other collection activities and processes in order to support day to day activities
- Remains up to date and adheres to quality standards, regulation, and all other polices to ensure quality, consistency, and compliance
- Follows established procedures to identify and resolve problems related to loan documentation/processing activities that require investigations or research
- Previous experience for Implementing projects for system implementation, technology enhancements through project management and coordination skills
- Provide invoice processing for accounts payable for the claim and/or recovery department
- Provide reconciliation and balancing of claim and/or recovery proceeds and/or expenses
- Assists with analyzing financial documents, investigating questionable data and preparing various reports.
- Enhanced team productivity by streamlining processes and implementing time-saving strategies.
- Developed strong client relationships through consistent communication and attentive service.
Default Processor II / Loan Servicing Quality Assurance
Citi Group
07.2012 - 10.2017
- Monitor Delinquent Pre-Foreclosure Accounts to ensure compliance and government regulatory guidelines are adhered to
- Perform Audits to ensure 100% accuracy on foreclosure referrals; which results in 99%-100% QC accuracy rate on the accounts processed
- Perform quality control checks by reviewing loan documentation for content and accuracy as to verify alignment with policy and procedures
- Execute an Analysis of Mortgage Documents, Origination Note, Appraisals, EA's, FAR's, Title Policies, Demand Letters, Pre-Foreclosure Statements and BPO's to certify eligibility for referrals
- Responsible for adhering to Corporate Compliance and Information security policies, standards, and procedures in the performance of the role
- Closing process gaps by clarifying issues; researching and exploring answers and alternative solutions; implementing solutions; escalating unresolved problems
- Knowledge of Business Banking, Citi Commercial Banking Products and Services
- Verify/research borrower payment history and resolved payment posting discrepancies and ensure the company’s system of record is updated accordingly.
- Streamlined processing procedures by identifying inefficiencies and implementing improvements.
- Increased productivity by effectively managing workload and prioritizing tasks.
Mortgage Processor/Servicing II
Xerox Corporation
05.2011 - 06.2012
- Evaluated Residential Loan applications and supporting disclosures/income documents to determine both risk and credit worthiness and compliance with investor guidelines
- Processed/Coded documents for Investors (Fannie Mae/Freddie Mac) using a paperless system
- Applied all internal underwriting guidelines, investor requirements and federal regulatory guidelines to the decision process to ensure loan quality and accuracy.
- Streamlined mortgage processing procedures by implementing an efficient document management system.
- Reduced loan application processing time by diligently reviewing and verifying applicant information.
Education
Certification - Microsoft Networking Fundamentals IT Pro Basic/Computer Science
MyComputerCareer.com / Tech Skills
Las Colinas, TXSkills
- Conflict Resolution
- Risk Assessment
- Mortgage Servicing
- Data Analysis
- Analytical Skills
- Customer Service
- Claims Specialist
- Research Interviewer
- Account Analyst
- Marketing Research
- Microsoft Office Suite
- Teamwork Abilities
- Confidentiality Handling
- Database Maintenance
Timeline
Document Control Specialist II
Mr. Cooper d/b/a Nationstar Mortgage
10.2018 - 11.2023
Reconciliations Specialist / Contractor
Solomon Edwards Group / Mr. Cooper d/b/a Nationstar Mortgage
07.2018 - 10.2018
Marketing Research Analyst / Client Services
Nielsen
08.2015 - 04.2020
Default Processor II / Loan Servicing Quality Assurance
Citi Group
07.2012 - 10.2017
Mortgage Processor/Servicing II
Xerox Corporation
05.2011 - 06.2012
Certification - Microsoft Networking Fundamentals IT Pro Basic/Computer Science
MyComputerCareer.com / Tech Skills
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