STEPHANIE N. GATES
Virginia Beach,VA
Summary
Senior Mortgage Quality Control and Risk Analyst with 20+ years of experience in mortgage servicing, loss mitigation, and claims analysis. Proven expertise in reviewing pre-claim and claim files up to $150,000, rendering decisions within 45 days, and managing a combined portfolio of 150+ cases. Strong background in financial validation, compliance (FHA, VA, FNMA, FHLMC), and defect identification. Skilled in risk assessment, audit readiness, and cross-functional collaboration to improve accuracy and reduce exposure.
Overview
19
19
years of professional experience
Work History
Claims & Risk Management Analyst
ZIM Integrated Shipping Services
Norfolk, VA
01.2024 - Current
- Manage pre-claim and claim reviews for cargo losses up to $150,000.
- Render claim decisions within a 45-day cycle while maintaining compliance with internal and legal standards.
- Maintain a portfolio of 150+ active pre-claim and claim files, ensuring timely investigation and resolution.
- Conduct financial validation, liability assessments, and documentation review to support claim outcomes.
- Collaborate with legal counsel, surveyors, and vendors to mitigate risk and ensure accurate settlements.
- Establish reserves and support settlement recommendations based on exposure analysis.
Accounts Collections Specialist
ZIM Integrated Shipping Services
01.2022 - 01.2024
- Managed high-volume AR portfolios ensuring compliance with financial policies.
- Resolved discrepancies and validated financial data to support accurate reporting.
- Improved cash flow through proactive account management.
Team Leader, Property Preservation
LoanCare
Virginia Beach, VA
01.2016 - 01.2022
- Performed quality control audits ensuring compliance with HUD, FNMA, VA, and FHLMC guidelines.
- Identified defects and implemented corrective actions to improve compliance outcomes.
- Managed vendor performance and ensured adherence to servicing requirements.
- Developed reporting to track trends and improve operational efficiency.
Mortgage Recovery Specialist
Bank of America
Norfolk, VA
01.2011 - 01.2016
- Conducted loss mitigation evaluations including loan modifications, short sales, and DIL.
- Performed financial analysis including NPV modeling and borrower eligibility review.
- Managed pipeline of 300+ loans in default servicing environment.
- Ensured compliance with FHA, VA, and investor guidelines.
Financial Services Specialist
HSBC Bank USA
Chesapeake, VA
01.2007 - 01.2011
- Audited financial and legal documentation to ensure compliance and accuracy.
- Identified risks and supported process improvements.
- Ranked top 5% performer in large operational group.
Education
Bachelor of Business Administration -
Strayer University
Skills
- Loss Mitigation QC
- Claims Review (Pre-Claim & Claim)
- Audit & Compliance
- DTI & Income Validation
- RESPA
- TILA
- ECOA
- Defect Tracking & Reporting
- Financial Analysis
- Risk Assessment
Timeline
Claims & Risk Management Analyst
ZIM Integrated Shipping Services
01.2024 - Current
Accounts Collections Specialist
ZIM Integrated Shipping Services
01.2022 - 01.2024
Team Leader, Property Preservation
LoanCare
01.2016 - 01.2022
Mortgage Recovery Specialist
Bank of America
01.2011 - 01.2016
Financial Services Specialist
HSBC Bank USA
01.2007 - 01.2011
Bachelor of Business Administration -
Strayer University