Over 30 years of experience in the Mortgage Industry. Received awards as an Industry leader and have a proven history of increasing the return of loses. My diligent work ethic and ability to think outside of the box have made me an industry leader. Looking forward to bringing my knowledge and experience to my next role.
Overview
11
11
years of professional experience
Work History
Sr Default Compliance Analyst
Cenlar FSB
02.2022 - Current
Skilled Role supporting Escalated issues and pre-foreclosure reviews.
First line of defense between the reviewers and Management.
Conducted in-depth audits and reviews of loan default processes to ensure Compliance with Federal, State, Investor and Agency guidelines.
Collaborated with internal Legal, audit teams and servicing agencies to resolve Compliance findings and Risk mitigation.
Lead and Participated in Special Projects (Chronology Reviews).
Provided training and guidance to Tier 1 reviewers for best practices, new requirements and updates.
Home Loan Specialist II/ Restructure Analyst
PennyMac
St. Louis
03.2020 - 02.2022
Company Overview: PennyMac – St. Louis, MO
Skilled Role supporting various channels within the Mortgage Fulfillment Division (MFD).
A key contributor to facilitate efficient and effective processing to support business and customer objectives by reviewing loans that do not meet guidelines due to DTI, LTV or changes in income and monthly liabilities.
Prepare proposals for possible scenarios to proceed to closing.
Initial Foreclosure review for any unseasoned legal actions and the possessing of forms and case binders for USDA loan submissions.
PennyMac – St. Louis, MO
Oversight Analyst
CitiMortgage, Inc
O’Fallon
04.2019 - 01.2020
Company Overview: CitiMortgage, Inc – O’Fallon, MO
Drove Strategic Efforts in establishing business goals in adherence to client’s requirements while retrieving, collecting and compiling data from several departments into an actionable format to address issues arising during the transfer of servicing to the new Servicer- Cenlar.
Completed transfer on time and addressed and trained new servicer.
CitiMortgage, Inc – O’Fallon, MO
Default Business Analyst-SME/AVP Litigation Support
CitiMortgage
O’Fallon
04.2014 - 04.2019
Company Overview: CitiMortgage – O’Fallon, MO
Quality of Excellence award received
Collaborated with case groups (in-house and outside counsel) negotiating settlements such as modifications, short payoffs, short sale, deed in lieu, cash for relocation fees, and consent judgements to Manage contested foreclosure actions and litigated cases to pursue resolutions through attorneys, title insurers, and hazard insurance carriers.
These Settlements Saved Citi over 1 million in losses per year.
Represent CitiMortgage for depositions, small claims cases, pre-trials and Non-Jury trials, judgement hearings, and mediations.
Over the five years I received Judgment or settlement in all cases but two.
CitiMortgage – O’Fallon, MO
Education
Continuing Education Classes -
Meramec Community College
Diploma -
Parkway West Senior High School
Skills
Microsoft Office
Outlook
Excel
Word
Access
10-Key
MSP/Black Knight
Power Point
Vendorscape
Corelogic Programs
Filenet
Encompass
Lexis Nexis
Real Quest
Skills - Computer Programs
Microsoft Office
Outlook
Excel
Word
Access
10-Key
MSP/Black Knight
Power Point
Vendorscape
Corelogic Programs
Filenet
Encompass
Lexis Nexis
Real Quest
Timeline
Sr Default Compliance Analyst
Cenlar FSB
02.2022 - Current
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
Senior Clinical Research Associate at Novartis Institute for Biomedical ResearchSenior Clinical Research Associate at Novartis Institute for Biomedical Research