Victor Morgan

Assist the relationship mangers with managing their portfolios. This would include pulling daily and weekly reports to ensure each of the mangers clients accounts are not delinquent on their payments and are not in default on their financial deliverables/covenants outlined in their business loan agreement.

Responsible for coordinating and moderating weekly portfolio management meetings to address any issues in a timely manner and to ensure all client accounts are in good standing leading up to annual reviews and covenant testing.

Manage/coordinate relationship mangers loan closings.

Complete other task as assigned by the bank/team lead.

• Manage entire mortgage/commercial loan escrow portfolio
• Lead company project to hire tax/insurance vendors to track payments due, which mitigated financial loss to the organization
• Keep detailed spreadsheets for all tax/Insurance disbursements that are due
• Run reports to confirm all escrow items are paid
• Run analysis reports to confirm accounts are analyzed per state schedule
• Reconcile any escrow shortages/overages
• Solving tax issues that require contacting the county to obtain tax certs and delinquent tax amounts
• Solving Insurance issues that require contacting insurance agencies for updated policies and billing invoices
• Reviewed and handled PMI payments with various companies
• Tracked loans that were due for PMI removal/early termination request
• Assist the front end/loan officers with closing escrow figures for new loans
• Validate Fiserv system information matches loan closing documents
• Assist in other areas of loan servicing such as calculating payoffs, correspondence, and research, and assisting borrowers via email/phone
• Assist with booking loans on the system Fiserv
• Assist with posting payments for loans that are booked each month
• Follow Banks policies and procedures
• Strong understanding of federal banking regulations to be in compliance of industry standards.

• Work with clients and their county tax offices and homeowner’s insurance providers for upcoming payment disbursements
• Researching and calculating escrow overages/shortages
• Review clients closing loan documents to ensure correct tax and insurance lines are being analyzed
• Review accounts for PMI/MIP removal and calculate LTV for eligibility
• Provide detailed information and break down escrow analysis so clients can easily understand
• Handle bankruptcy accounts and working with client attorneys to ensure Proof of Claims are filed correctly so analysis can be recorded accurately
• Responsible for assuring all regulatory requirements are met.

• Assigned employees to designated machines and job duties
• Setup machines to run the correct mail sort for the shift
• Ensured production numbers were being met by employees
• Ensured quality and USPS standards were met
• Mentoring employees
• Interviewing/Hiring new employees
• Address problems/issues.

• Assisted customers with their cellular needs
• Handled all cash deposits
• Tracked sales metrics throughout the day
• Responsible for all opening and closing procedures
• Resolved customer complaints.