Sheila Hackmann
Manchester
Summary
Results-driven Senior Loss Mitigation Manager experienced in overseeing complex default management operations and ensuring regulatory compliance. Achieved foreclosure prevention through strategic restructure proposals while optimizing loan servicing processes and mitigating financial losses for high-volume portfolios. Focused on building productive relationships and fostering team development in fast-paced, deadline-driven environments.
Overview
12
12
years of professional experience
Work History
Mgr - Guideline/Restructure Precision Team
PENNYMAC
ST. LOUIS, MO
08.2025 - 07.2026
- Managed the final approval authority for complex restructuring and loss mitigation proposals reaching maximum credit and investor thresholds.
- Reduced audit error rates from 3.5% to 0.8% across Fannie Mae, Freddie Mac, FHA, VA, and USDA agencies by optimizing default servicing workflows.
- Ensured a 100% audit pass rate for quarterly internal quality controls and CFPB/GSE regulatory examinations through SOP enhancements and team leadership.
- Streamlined loss mitigation operations by implementing file sampling and continuous associate training, effectively reducing financial losses.
Sr Default Compliance Analyst
CENLAR FSB
, NEW JERSEY
02.2022 - 07.2025
- Executed audits and reviews of loan default processes, ensuring compliance with Federal, State, and Agency regulations.
- Supported foreclosure prevention initiatives by resolving escalated issues and reviewing pre-foreclosure chronologies.
- Supported foreclosure prevention initiatives through escalated issue resolution and comprehensive pre-foreclosure chronology reviews.
- Trained and mentored Tier 1 reviewers on loss mitigation best practices and default management updates.
Home Loan Specialist II/ Restructure Analyst
PENNYMAC
ST. LOUIS
03.2020 - 02.2022
- Evaluated debt-to-income (DTI) and loan-to-value (LTV) ratios to expedite processing of loans not meeting standard guidelines.
- Developed restructure proposals and analysis reports to support loss mitigation strategies and facilitate loan closure.
- Conducted initial foreclosure reviews and USDA loan submissions, ensuring compliance during early stages of legal action.
- Facilitated effective communication between various channels within the Mortgage Fulfillment Division to meet business and customer objectives.
Oversight Analyst
CITIMORTGAGE, INC
O'FALLON
04.2019 - 01.2020
- Spearheaded strategic efforts to establish business goals in alignment with mortgage banking regulatory compliance requirements.
- Spearheaded strategic initiatives to align business goals with mortgage banking regulatory compliance requirements, enhancing operational integrity.
- Managed servicing transfer timelines and trained teams to ensure compliance with loss mitigation standards, facilitating a smooth transition.
- Optimized data retrieval processes across departments to effectively resolve complex servicing issues during transition phases, improving issue resolution.
Default Business Analyst-SME/AVP Litigation Support
CITIMORTGAGE
O'FALLON
04.2014 - 04.2019
- Achieved a settlement or judgment rate in 99% of assigned default cases over a five-year period, minimizing long-term financial risk.
- Managed contested foreclosure actions in collaboration with internal and external legal counsel, implementing foreclosure prevention strategies.
- Represented CitiMortgage in mediations and trials, demonstrating subject matter expertise in default servicing and loss mitigation protocol.
- Achieved 99% settlement or judgment rate in assigned default cases over five years, effectively minimizing long-term financial risk.
Education
Diploma -
MERAMEC COMMUNITY COLLEGE
Kirkwood, MO 04.2026 - 09.2026
Some College (No Degree) - Banking And Finance
PARKWAY WEST SENIOR HIGH SCHOOL
Kirkwood, MOSkills
- Foreclosure review
- Quality control
- Technical Platforms & Tools: MSP, Black Knight, Vendorscape, Encompass, LexisNexis, FileNet, Corelogic Programs, Real Quest, Microsoft Excel, Access, PowerPoint, Outlook
- Settlement negotiation
- Compliance management
- Loan administration
- File sampling
Timeline
Diploma -
MERAMEC COMMUNITY COLLEGE
04.2026 - 09.2026
Mgr - Guideline/Restructure Precision Team
PENNYMAC
08.2025 - 07.2026
Sr Default Compliance Analyst
CENLAR FSB
02.2022 - 07.2025
Home Loan Specialist II/ Restructure Analyst
PENNYMAC
03.2020 - 02.2022
Oversight Analyst
CITIMORTGAGE, INC
04.2019 - 01.2020
Default Business Analyst-SME/AVP Litigation Support
CITIMORTGAGE
04.2014 - 04.2019
Some College (No Degree) - Banking And Finance
PARKWAY WEST SENIOR HIGH SCHOOL