Rico Pegram
Dallas
Summary
Experienced finance professional with a strong background in mortgage servicing, credit analysis, and customer service. Highly skilled in project management, team leadership, and regulatory compliance with over 8 years of experience managing complex financial portfolios. Seeking to transition into the insurance industry where I can apply my expertise in risk management, customer communication, and process improvement to deliver exceptional service and optimize operations.
Overview
19
19
years of professional experience
Work History
CREDIT REPORT ANALYST
RoundPoint Mortgaging Service
07.2024 - Current
- Thoroughly examine credit reports to identify inaccuracies, outdated information, and potential fraud indicators
- Investigate and resolve discrepancies in credit reports by working with consumers, credit bureaus, and internal teams
- Respond to questions and requests for information about credit reports from consumers, lenders, and other parties
- Ensure the accuracy and completeness of credit data by adhering to internal policies and regulatory requirements
- Work effectively with various departments, including loan servicing, collections, and legal, to address credit-related issues and ensure compliance
- Streamlined reporting procedures by creating user-friendly dashboards for easy access to key performance indicators.
- Generated reports detailing findings and recommendations.
SINGLE POINT OF CONTACT/TRIAGE SPECIALIST
RoundPoint Mortgaging Service
08.2021 - 07.2024
- Company Overview: Experienced finance professional with a strong background in mortgage servicing, credit analysis, and customer service
- Highly skilled in project management, team leadership, and regulatory compliance with over 8 years of experience managing complex financial portfolios
- Managed a portfolio of 90+ delinquent loans, achieving a 15% reduction in delinquency rates by streamlining workflows and enhancing client communication
- Analyzed financial documents and assessed risk to facilitate effective workout decisions, minimizing losses for investors and clients
- Negotiated workout terms, maximizing value and achieving mutually beneficial solutions for both investors and borrowers
- Provided exceptional customer service, guiding clients through mortgage processes, explaining complex terms, and addressing their concerns
- Trained new hires on company policies, processes, and systems, ensuring their successful onboarding and integration into the team
- Experienced finance professional with a strong background in mortgage servicing, credit analysis, and customer service
- Highly skilled in project management, team leadership, and regulatory compliance with over 8 years of experience managing complex financial portfolios
COMMERCIAL TECHNICIAN
FaciliCon
08.2015 - 08.2021
- Conducted complex credit investigations and analysis for loan modifications and complex financial products
- Responded to customer inquiries related to payments, loan modifications, and foreclosures
- Successfully managed high-profile projects to analyze and reduce loan servicing risks, saving the company $500,000 annually
- Collaborated with senior management to develop risk mitigation strategies and ensure compliance with government regulations
- Provided guidance and support to lower-level analysts on complex cases
TEAM LEAD/IRG II/CUSTOMER SERVICE REPRESENTATIVE
Wells Fargo Home Mortgage
12.2005 - 08.2015
- Handled escalated customer inquiries and complaints on complex mortgage products
- Collaborated with other departments to resolve customer issues and improve service delivery
- Provided one-on-one coaching and training to service team members
- Analyzed data and reported trends to management for process improvement
- Led team-building activities and allocated work to maximize productivity
Education
Project Managment - Project Management
Southern New Hampshire University
01-2022
BBA - Finance
Southern New Hampshire University
01-2015
Skills
- Mortgage Servicing
- Credit Analysis
- Customer Service
- Communication
- Project Management
- Leadership
- Financial Analysis
- Problem Solving
- Insurance
- Risk Management
- Microsoft Office Suite
- Team Management
- Mentoring
- Process Improvement
- Efficiency
- Documentation And Reporting
- Team Collaboration and Leadership
- MS Excel
- Analytical Thinking
Timeline
CREDIT REPORT ANALYST
RoundPoint Mortgaging Service
07.2024 - Current
SINGLE POINT OF CONTACT/TRIAGE SPECIALIST
RoundPoint Mortgaging Service
08.2021 - 07.2024
COMMERCIAL TECHNICIAN
FaciliCon
08.2015 - 08.2021
TEAM LEAD/IRG II/CUSTOMER SERVICE REPRESENTATIVE
Wells Fargo Home Mortgage
12.2005 - 08.2015
Project Managment - Project Management
Southern New Hampshire University
BBA - Finance
Southern New Hampshire University
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