Sandy Guiot
Katy,TX
Summary
Skilled in loss mitigation analysis with a deep understanding of default servicing and foreclosure prevention. Able to analyze complex financial information, identify potential risks, and formulate effective solutions for risk management. Exemplify strong analytical thinking, problem-solving capabilities, project management, and communication skills. Demonstrated success in reducing company losses and enhancing overall operational efficiency in previous roles.
Analytical and strategic Loss Mitigation Analyst known for high productivity and efficient task completion. Possess specialized skills in financial analysis, risk assessment, and negotiation strategies. Excel in communication, problem-solving, and decision-making, ensuring optimal outcomes in challenging situations.
Attentive and dependable with solid understanding of both the real estate and financial industry laws and regulations. Experienced with working out alternatives such as short sales to prevent foreclosures and customer bankruptcies. Highly organized and methodical with strong attention to detail.
Seasoned Loss Mitigation Specialist bringing extensive field experience. Desiring to offer expertise in customer relations and administration to challenging, growth-oriented position.
Adaptable professional skilled in investigation and loss prevention demonstrated over several years of industry experience. Advanced knowledge of criminal and civil law with history of building and maintaining productive partnerships with law enforcement specialists.
Overview
19
19
years of professional experience
Work History
Loss Analysis II
Cenlar FSB
Ewing, NJ
08.2020 - Current
- Reviewed delinquent mortgage accounts for potential loan modification solutions.
- Assessed borrower's financial situation, credit score and payment history to determine eligibility for foreclosure prevention programs.
- Collaborated with other departments in order to process loan modifications efficiently.
- Evaluated customer qualifications according to government guidelines and regulations.
- Provided clients with guidance on the best options available to help them avoid foreclosure.
- Prepared detailed reports regarding borrowers' financial situations and recommended solutions accordingly.
- Negotiated repayment plans with borrowers that complied with lender's policies and procedures.
- Monitored progress of loan modifications from initial application through final approval stages.
- Maintained accurate records of all activities related to loss mitigation efforts.
- Responded promptly to inquiries from customers, lenders, title companies or other parties involved in the loan modification process.
- Ensured compliance with applicable laws, regulations and company policies throughout the entire loan modification process.
- Identified areas where processes could be improved in order to increase efficiency or reduce costs.
- Researched and resolved customer complaints or discrepancies related to loss mitigation activities.
- Advised customers on their rights under various state and federal foreclosure protection laws.
Default Client Management
Cenlar FSB
Ewing, NJ
07.2015 - 08.2020
- Conducted initial onboarding interviews with new clients to assess their needs and requirements.
- Developed customized solutions for clients based on their individual needs and goals.
- Provided ongoing support to existing clients, resolving inquiries and troubleshooting issues.
- Monitored client accounts to ensure compliance with regulations and company policies.
- Created detailed reports on sales performance, customer satisfaction, and other key metrics.
- Coordinated with internal teams such as marketing, sales, operations, finance. to ensure a smooth customer experience.
- Managed client relationships by providing timely updates on service requests or changes in policy and procedures.
- Developed training materials for new employees related to client management processes and procedures.
- Collaborated closely with cross-functional teams to develop effective strategies for acquiring new customers while retaining existing ones.
- Reviewed customer contracts prior to signing off on them to ensure accuracy of information provided by the client.
- Performed regular follow-up calls with clients in order to maintain good relationships.
- Assisted senior managers in developing long-term strategies for managing customer relations.
Loss Mitigation Specialist
Cenlar FSB
Ewing, NJ
01.2006 - 07.2015
- Researched and analyzed borrowers' financial information to determine eligibility for loan modification programs.
- Developed and implemented strategies to maximize loss mitigation opportunities with delinquent borrowers.
- Reviewed and evaluated borrowers' income, expenses, assets, liabilities, credit history and other pertinent documentation.
- Reviewed foreclosure alternatives such as short sales or deeds in lieu of foreclosure.
- Negotiated repayment plans with delinquent borrowers in accordance with company policies and procedures.
- Provided guidance and assistance to customers throughout the loan modification process.
- Analyzed borrower's overall financial situation to ensure that they are able to maintain their mortgage payment after a loan modification is completed.
- Monitored delinquency trends on assigned portfolio of loans while maintaining current knowledge of investor guidelines and government regulations.
- Assisted in resolving customer inquiries regarding loan modifications and foreclosure prevention options.
- Maintained accurate records of all activities related to loan modifications including communication with customers, lenders, attorneys.
- Generated reports reflecting performance metrics such as Loan Modification Acceptance Rate, Denial Rate.
- Worked closely with internal departments such as Servicing, Underwriting and Legal teams to ensure compliance with applicable laws and regulations.
- Collaborated with external vendors such as title companies, appraisers, real estate brokers and agents when necessary.
- Performed quality control reviews on completed loan modifications prior to submission for approval.
- Attended periodic training sessions on new processes or changes in existing procedures related to loss mitigation activities.
- Participated in meetings, conferences with lenders, investors regarding loss mitigation initiatives or best practices.
- Advised management on recommended improvements or enhancements based on industry trends or regulatory changes impacting the loss mitigation process.
Education
High School Diploma -
Walton High School
Walton, NY06-1997
Skills
- Underwriting expertise
- Credit analysis
- Portfolio Management
- Loan Modification
- Foreclosures experience
- Mortgage processes knowledge
- Data Interpretation
- Underwriting understanding
- Detail orientation
- Policy Enforcement
- Written Communication
- Interpersonal Skills
- Legal Compliance
- Team Leadership
- Problem-solving abilities
- Decision-Making
- Analytical Thinking
- Effective Communication
- Attention to Detail
- Time Management
- Organizational Skills
- Teamwork and Collaboration
- Goal Setting
Timeline
Loss Analysis II
Cenlar FSB
08.2020 - Current
Default Client Management
Cenlar FSB
07.2015 - 08.2020
Loss Mitigation Specialist
Cenlar FSB
01.2006 - 07.2015
High School Diploma -
Walton High School