ROBERT RAMIREZ
Riverside,CA
Summary
Experienced and reliable Loss Mitigation Manager with a strong track record of delivering exceptional customer service. Skilled in negotiating viable solutions with borrowers facing delinquency or default. Demonstrates the ability to handle a high volume of projects simultaneously, showcasing strong multitasking capabilities. Highly motivated and detail-oriented loss prevention professional experienced in detecting, preventing, and resolving security breaches, fraudulent activities, and theft. Proven ability to remain calm and professional in high-pressure situations while maintaining strong customer service standards.
Professional with strong background in loss mitigation. Adept at risk assessment, financial analysis, and developing effective mitigation strategies. Known for fostering team collaboration and consistently achieving results under changing conditions. Highly reliable with excellent problem-solving and communication skills.
Highly motivated and detail-oriented loss prevention professional experienced in detecting, preventing and resolving security breaches, fraudulent activities and theft. Proven ability to remain calm and professional in high-pressure situations. Maintains professionalism and strong customer service standards.
Overview
14
14
years of professional experience
1
1
Certification
Work History
LOSS MITIGATION MANAGER
Am West Funding Corporation
01.2020 - Current
- Drives the daily operation of the loss mitigation department, ensuring compliance with departmental policies and procedures and all applicable government, investor, and client regulations
- Manage loss mitigation transactions for approval or denial to ensure consistency, accuracy, and quality within department
- Manage workload issues across teams and propose and implement efficiency initiatives as deemed necessary
- Take responsibility for the teams accuracy, efficiency, timeliness, and completion of duties
- Maintain the highest levels of customer service to ensure client/vendor retention by taking direct action on issues and coordinating activities company personnel and other departments
- Maintain open communication with team members, clients, vendors, other departments, and management
- Review departmental profitability; recommend actions to keep costs and fees within company guidelines
- Ensures the necessary daily/weekly/monthly operational statistics and reports are available for management and staff
- Analyzes trends, variances, and problem situations
- Makes recommendations to improve loss mitigation process and increase efficiency with ongoing review and updates the policy and procedures
- Conducted regular audits on loss mitigation cases to ensure accuracy and compliance with guidelines.
- Contributed to business strategy discussions by providing insights into industry developments related to foreclosures, bankruptcy laws, and government assistance programs impacting loss mitigation efforts.
- Streamlined processes for reviewing and approving loan modification requests, increasing efficiency and productivity.
COLLECTIONS/LOSS MITIGATION/FORECLOSURE/BANKRUPTCY/DEFAULT MANAGER
AmeriNational Community Services
01.2014 - 01.2020
- Planned daily collection strategies and evaluate workflow for all default operations
- Managed monthly conference calls with all clients and forecast delinquency trends
- Reviewed and ensured all default correspondences is sent in compliance with client, state, and federal requirements
- Repaired and managed dialer system
- Reviewed and maintained department policies and procedures
- Planned weekly team meetings and effectively coached and provided feedback
- Kept associates informed of all operational changes and foster an open environment with high morale
- Reviewed credit reports, BPO/appraisal, valuations, title, and income documentation for overall qualification
- Ensured waterfall steps have been completed prior to foreclosure referral
- Interviewed potential candidates and provided recommendations to hire
- Maintained yearly NMLS licensing and continuing education
- Ensured and provided FDCPA licensing and education for entire department staff
- Monthly review and maintenance of foreclosure and bankruptcy attorney network
- Communicated and managed attorney workflow
- Secured appropriate legal document title companies, County clerks, and regular applicable data, including publication charges reinstatement request, and posting dates
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maintained professional, organized, and safe environment for employees and patrons.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Maximized performance by monitoring daily activities and mentoring team members.
- Controlled costs to keep business operating within budget and increase profits.
- Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
LOSS MITIGATION/DEFAULT MANAGER
PMAC Lending Services
01.2011 - 01.2014
- Planned, directed, supervised, and evaluated workflow for the loss mitigation department according to investor requirements
- Effectively managed foreclosure and bankruptcy timelines to ensure investor requirements are met
- Managed outsourced collections call center requiring international travel; provided hands-on management training
- Leveraged knowledge of mortgage loan workout options (loan modification, short sale, deed in lieu and foreclosure)
- Organized, prioritized, and distributed work assignments for optimum team efficiency
- Solve problems and resolve conflict with a sense of urgency by recognizing opportunities, understanding risks, and acting quickly to overcome obstacles and reach a solution
- Provided exceptional customer service/support within high-volume call centers and mortgage businesses
- Skillfully managed up to 200 to 250 files; secured appropriate legal documents from title companies, County clerks, and record applicable data
- Worked with borrowers to understand the borrowers intent with real estate property and avoid foreclosure
- Reviewed appraisals and evaluated collateral
- Reviewed income documentation, title policies, purchase agreements, applications, and apply credit policies, loan product policies and all federal regulations related to the granting of credit (Reg
- B, FCRA, Reg
- Z, Reg
- AA, Reg
- O)
- Communicated with account executives regarding concerns and negotiated possible solutions
- Recommended updates and changes to credit policies and procedures
- Accomplished multiple tasks within established timeframes.
- Managed and motivated employees to be productive and engaged in work.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Maintained professional, organized, and safe environment for employees and patrons.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Maximized performance by monitoring daily activities and mentoring team members.
Education
GED -
Sierra Vista High School
Baldwin Park, CA01.1986
Skills
- Attention to Detail
- Controlling Expenses
- Enhancing Quality
- Self-Driven
- Managing Databases
- Proofreading Documents
- Screening Calls
- Verbal Communication
- Working Independently
- Microsoft Office Suite
- Adobe Acrobat
- Lenstar
- LPS Desktop
- MSP Servicing Platform
- Davox/Concerto/Fidelity
- Harland Servicing Director
- Pacer
- Default management
- Collateral valuation
- Debt restructuring
- Foreclosure prevention
- Loan modification
- Loss mitigation strategies
- Bankruptcy management
- Short sale expertise
- Detail-oriented
- Teamwork
- Teamwork and collaboration
- Customer service
- Problem-solving
- Time management
- Attention to detail
- Leadership skills
- Problem-solving abilities
- Multitasking
- Multitasking Abilities
- Excellent communication
- Customer service-focused
- Team collaboration
- Active listening
- Verbal and written communication
- Cash handling
- Loan servicing
- Microsoft office
- Team building
- Loan processing coordination
- Income evaluation
- Creditworthiness determination
- Credit history review
- Professionalism
- Staff management
- Document review
- Loan file maintenance
- Credit analysis
- Appraisal review
- Application review
Certification
NMLS# 1074181, CA, GA, FL, IL, MD, OR, UT, TX, VA
Hobbies and Interests
- Photography
- Hiking
- Cooking
- Camping
- Boating
- NFL Football
Languages
Spanish
Native or Bilingual
Timeline
LOSS MITIGATION MANAGER
Am West Funding Corporation
01.2020 - Current
COLLECTIONS/LOSS MITIGATION/FORECLOSURE/BANKRUPTCY/DEFAULT MANAGER
AmeriNational Community Services
01.2014 - 01.2020
LOSS MITIGATION/DEFAULT MANAGER
PMAC Lending Services
01.2011 - 01.2014
NMLS# 1074181, CA, GA, FL, IL, MD, OR, UT, TX, VA
GED -
Sierra Vista High School
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