William Serrell Black
Florence,KY
Summary
Experienced and dependable banking professional with specialized experience in Litigation, Home Preservation, Loss Mitigation, Escrow, Mortgage and Loan Servicing, with an excellent record of Customer Service. Seeking to advance into a position, where I can contribute by applying current knowledge and past experiences, while continuing to grow in both areas.
Overview
17
17
years of professional experience
Work History
INTERNAL MORTGAGE CLAIMS ANALYST/CUSTOMER SPECIALIST
LoanCare
10.2021 - 03.2024
- Ensured Legal and Regulatory compliance of claims
- Compiled and analyzed data related to claims
- Tracked trends and patterns and looked for irregularities
- Performed or oversaw investigations to verify claims were legitimate and invoiced amounts were accurate
- Acted as a liaison between internal departments, such as customer service, accounts payable, and legal
- Followed established processes, guidelines, and industry standards
- Kept up with current claims processing guidelines, industry standards, and client expectations
- Conducted thorough investigations into each claim, gathering relevant data and documentation to support decision-making processes.
- Managed high-volume caseloads, prioritizing tasks to ensure timely completion of all claims.
- Maintained strict confidentiality with all personal data as per company guidelines.
- Enhanced customer satisfaction by resolving complex claims issues in a timely manner.
DEFAULT LITIGATION SPECIALIST SENIOR
US Bank, NA
08.2013 - 12.2018
- Collaborated with Legal, Foreclosure Counsel and Regional Counsel to assist in preparation and verification of legal filings
- Served as a witness in settlement conferences, depositions, hearings and trials
- Negotiated settlements in mediation and arbitration settings, resulting in reduced litigation costs for clients.
- Reduced case backlog by efficiently prioritizing and managing high-volume caseloads.
- Developed strong working relationships with opposing counsel for effective communication and negotiation throughout the litigation process.
- Compiled documentation, ensuring accuracy and detail for legal briefs, responses to opposing counsel, motions to court and trial exhibits.
- Collected and prepared pre-trial discoveries, records and evidence displays.
FORECLOSURE SPECIALIST II
US Bank, NA
05.2012 - 08.2013
- Counseled borrowers on Foreclosure Prevention and developed customized strategies for each client''s unique situation to expedite the resolution of their foreclosure cases.
- Reviewed Investor guidelines and developed customized strategies for each client''s unique situation to expedite the resolution of their foreclosure cases.
- Maintained and updated all portfolios by state given by foreclosure management.
- Maintained detailed records of all correspondence, documentation, and actions taken during the course of each foreclosure case.
- Managed a high volume of complex cases simultaneously while maintaining exceptional levels of organization and attention to detail.
- Prepared all notices of default as per terms of deed of trust on mortgage.
- Managed and responded to correspondence and inquiries from customers and vendors.
- Served as a liaison between clients, attorneys, court officials, and other stakeholders throughout the foreclosure process.
HOMEOWNERSHIP PRESERVATION SPECIALIST
JP Morgan Chase
09.2011 - 05.2012
- Maintained up-to-date knowledge of federal regulations, industry guidelines, and best practices related to home preservation efforts.
- Collaborated with team members to develop efficient strategies for handling a high volume of cases, ensuring all clients received prompt attention.
- Served as an advocate for homeowners during foreclosure prevention negotiations, securing beneficial outcomes for borrowers facing financial hardship.
- Provided support during loan modification negotiations by preparing homeowners with necessary documentation and guidance on communication strategies.
- Liaised between clients and mortgage servicers, facilitating open lines of communication to expedite resolution processes.
- Managed a large caseload while maintaining strict deadlines, successfully assisting clients in navigating complex home preservation processes.
- Assisted homeowners in understanding their financial situation, enabling them to make informed decisions about preserving their homes.
- Ensured compliance with all regulatory requirements by carefully documenting actions taken during each step of the home preservation process.
PARALEGAL, LOSS MITIGATION/FORCLOSURE MEDICATION COORDINATOR
Laurito & Laurito. LLC - Attorneys at Law
06.2010 - 09.2011
- Communicated with clients, opposing counsel and court personnel to keep all parties informed on case updates during mediation process.
- Managed scheduling of court calendars and deadlines to maintain smooth flow of firm operations.
- Enhanced case efficiency by organizing and maintaining legal documents, files, and correspondence.
- Reduced attorney workload by drafting routine legal documents such as pleadings, motions, and affidavits.
- Assisted counsel in preparing answers, providing documentation, and information for discovery request.
- Communicated pertinent information to clients via phone, email, and mail.
- Promoted a positive work environment by providing training and guidance to junior paralegals or interns as needed.
LOSS MITIGATION SPECIALIST/HOMEOWNERSHIP PRESERVATION SPECIALIST
PNC Bank
05.2007 - 05.2010
- Streamlined the loss mitigation application process for clients, resulting in increased efficiency and better outcomes for both borrowers and lenders, servicing FHA, VA PNC Portfolio and Private Investor backed loans.
- Conducted face-to-face meetings with customers interested in alternatives to foreclosure. Traveled to Hope Now Outreach Events, PNC branches and Mediation Hearings.
- Contributed to departmental performance metrics by consistently meeting or exceeding established goals for successful loan modifications, short sales, and other loss mitigation solutions.
- Addressed escalated customer complaints
- Reduced delinquency rates by implementing effective loss mitigation strategies and closely monitoring portfolio performance.
- Conducted comprehensive loan reviews, evaluating pay stubs, credit history, tax information and bank statements for financial status, identifying opportunities for modifications and alternative repayment plans. .
- Prevented unnecessary foreclosures by effectively communicating available options to borrowers and guiding them through the loss mitigation process.
- 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.
Education
ASSOCIATE IN ARTS - LIBERAL ARTS
Ashland University
01.2025
Skills
- Default Litigation
- Project Management
- State & Federal Laws and Regulations
- Investor and Insurer Guidelines
- Microsoft Office, Mortgage Servicing Platform (MSP), FNMA HSSN and FHLMC WPII Systems
- Change Management
- Technical Writing
- Customer Relations
- Exceptional Communication and Attention to detail
- Problem Solving, Root Cause Analysis and Decision Making
- Team Building and Leadership
- Interpersonal and written communication
- Claims analysis
- Policy interpretation
- Settlement negotiation
- Deposition preparation
Timeline
INTERNAL MORTGAGE CLAIMS ANALYST/CUSTOMER SPECIALIST
LoanCare
10.2021 - 03.2024
DEFAULT LITIGATION SPECIALIST SENIOR
US Bank, NA
08.2013 - 12.2018
FORECLOSURE SPECIALIST II
US Bank, NA
05.2012 - 08.2013
HOMEOWNERSHIP PRESERVATION SPECIALIST
JP Morgan Chase
09.2011 - 05.2012
PARALEGAL, LOSS MITIGATION/FORCLOSURE MEDICATION COORDINATOR
Laurito & Laurito. LLC - Attorneys at Law
06.2010 - 09.2011
LOSS MITIGATION SPECIALIST/HOMEOWNERSHIP PRESERVATION SPECIALIST
PNC Bank
05.2007 - 05.2010
ASSOCIATE IN ARTS - LIBERAL ARTS
Ashland University
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