VIRGINIA REINALDO

• Reviewed borrower hardship packages for completeness, accuracy, and loss mitigation eligibility.
• Communicated workout options, repayment plans, and foreclosure alternatives with borrowers and authorized third parties.
• Processed loan modification, forbearance, and repayment plan requests using investor and servicing guidelines.
• Tracked suspense items, missing documents, and follow-up actions to advance file resolution.
• Updated servicing records and case notes to maintain compliant, audit-ready documentation.
• Coordinated with foreclosure, bankruptcy, and collections teams to support timely case transfers.
• Applied mortgage servicing system tools to monitor deadlines, status changes, and document workflows.
• Resolved borrower inquiries by explaining loss mitigation requirements, options, and next-step expectations.
• Remained updated with latest information related to mortgage products and services being offered.
• Prevented unnecessary foreclosures by effectively communicating available options to borrowers and guiding them through the loss mitigation process.
• Discussed property liquidation options with customers.
• Evaluated pay stubs, credit history, tax information and bank statements for financial status.
• Achieved successful loan modifications through diligent analysis of borrower financial information and negotiation with lenders.
• Safeguarded company interests by ensuring adherence to all relevant legal and regulatory requirements throughout the loss mitigation process.
• Played a key role in reducing the organization''s overall exposure to financial risk by successfully implementing targeted loss mitigation strategies that minimized potential losses on troubled loans.
• Managed a high-volume caseload of at-risk borrowers, successfully negotiating mutually beneficial repayment solutions.
• Conducted comprehensive loan reviews, identifying opportunities for modifications and alternative repayment plans.
• Helped customers navigate options to maintain homeownership.

•Completed assigned tasks tied to specific projects and responsibilities.

•Supported completion of job duties related to assigned work.

•Assisted with task completion for designated assignments.

•Managed collections account follow-up, billing, and allowance posting for assigned accounts.

payers to ensure timely resolution of all outstanding claims, via phone, emails, fax or websites.

•Appeals when necessary, special A/R projects when needed.

• Responsible for supervising Charge Entry team, generating and billing claims in two different platforms, sending and tracking claim batches, correcting rejections, verification of benefits, compliance with Medicaid, Medicare and Commercial insurance, generating reports, reporting directly to RCM director and VP, interacting and supporting other teams within the RCM department.

• Responsible for all pre-bill claims and edits for accuracy, compliance with Medicaid and commercial insurance billing guidelines prior to submission to payers. Posting EOBs payments, adjustments and/or denials; generating reports and applying write offs. Verification of benefits. Follow up on denied claims, AR aging and appeals. Crossover and secondary claims submission.

• Originating new business, taking complete applications to qualify customers for a loan. Provided administrative and sales support. Collecting and distributing information and documents to processing and underwriting of the loan. Pre-approval, approval and selection of loan suitable for each applicant Managing loan pipeline. Marketing, closings and settlements of loans. Pulling credit reports, pricing and locking loans, follow up with realtors to ensure expectations are being met. Following loan guidelines, as well as all federal and states regulations.

• Submitting claims and following up with dental insurances. Collecting and billing preparations. Managing of accounts receivable and aged insurance. Verification of coverage, calculating insurance reimbursements. Answering phones lines, appointments setting, greeting patients. Calculating treatment plans, bookkeeping and accounting.

• Responsible for completing tasks associated with specific assignments. Specific job responsibilities collections, account follow up, billing and allowance posting for assigned accounts. Follow up with payers to ensure timely resolution of all outstanding claims, via phone, emails, fax or websites. Appeals when necessary, special A/R projects when needed.