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Bankruptcy / Foreclosure | U.S. Bankruptcy Law | FDCPA | FCRA | Process Improvement | Cost-Effective Financial Initiatives
Team Building / Training | Strategic Analysis / Plans | Best Practices | Regulatory compliance | Services Development
Special Program Management | Productivity / Efficiency Improvements | Client Services Administration | Legal Securities
Contract Preparation / Negotiations | Asset Protection | Trends Tracking | Internal / External Customer Relationships
Ambitious self-starter who offers a record of accomplishment in Bankruptcy Department Management, including designing and developing solutions with internal / external partners, executing strategies to meet key goals, and recruiting top teams to generate results in alignment with U.S. Bankruptcy Law and internal policies.
Excellent communicator who proactively represents lending partners, creditors, banks, mortgage servicers, regulatory parties, and financial institutions while increasing profits and organizational performance per goals.
Integral leader who excels at evaluating financial needs to initiate all phases of bankruptcy processes and / or mortgage banking with core skills to protect assets and client interests while building collaborative relations.
Out-of-the-box thinker who exhibits superior attention-to-detail and sharp analytical talents, including resolving strategic challenges with an ability to see the big picture within competitive financial environments.
Vice President Bankruptcy
Strategically steer Bankruptcy Department operations, including ensuring strict regulatory compliance while training and mentoring staff to achieve Subject Matter Expert (SME) level and create operational efficiency.
Expertly perform loan level review of an entire population to ensure accuracy of set up and payment application, and further perform comprehensive operational assessments to continue to yield positive results.
Serve as member of the NACTT Mortgage Servicing Committee to provide Citizens Bank with a valuable group presence for access to best industry practices and professional input with bankruptcy-related decisions.
Build teams to field questions from internal / external partners for optimal process results, and lead staff in identifying actions impacting the bank while ensuring compliance with GSE, OCC CFPB, and internal policies.
Created an escalation path for loss mitigation on loans in active bankruptcy.
Streamlined an overstaffed department to enhance operations and reduce labor costs.
Efficiently reviewed and modified LexisNexis event report for on-time event notifications.
Ceased charge off processes to recoup a greater percentage of amount owed by borrowers.
Reduced foreclosure timelines and compensatory feeds by implementing loan level BK reviews.
Led dynamic weekly training on bankruptcy fundamentals from a secured creditor perspective.
Recognized with Amazing Customer Experience (ACE) award within only two months of hire.
Identified letters that violated bankruptcy law and ensured compliance with U.S. Bankruptcy Code.
Continually cited with numerous Credo awards by department, peers, and senior management for going above and beyond, and was noted as Credo Champion by top business line managers.
Spearheaded operational risk assessment to reduce $400,000+in reputational and operational risk.
Assistant Vice President Default Servicing
Maximized bottom-line performance by conducting essential sampling, documentation, and review reporting to ensure mortgage loans are serviced in compliance with Consent Order provided to subservicer.
Assistant Vice President Default Servicing
Led targeted development, update, and / or review of policies, procedures, and checklists in areas of bankruptcy and foreclosure to reflect contractual agreements and industry, procedure, and legislative changes.
Expertly reviewed service level performance related to default reporting and transmit results to senior management, along with identifying trends to provide prompt resolution and follow up for key compliance.
Guaranteed compliance and operational risk controls were in accordance with HSBC and / or regulatory standards and policies, as well as Consent Order for mortgage servicing by remediating axxxxxx audit findings.
Served as an integral focal point to coordinate processes and activities with stakeholders.
Liaised among attorney firms and subservicer to identify cause of delay and remediate failures.
Foreclosure / Bankruptcy Manager
Utilized broad scope of industry knowledge toward directing timeline management of 100+ servicers to ensure compliance with FHLMC guidelines, including overseeing 200,000+ loans in Foreclosure inventory and 53,000 loans in Bankruptcy inventory while providing key advisory services to the Top 16 servicers.
Played a role in reviewing severely aged NPL inventory, identifying trends that impeded Foreclosure / Bankruptcy process, revising policies / procedures, and developing goal-specific initiatives, including managing customer interactions while partnering with FHLMC departments (e.g. Legal, Special Assets, SRPM, Loss Mitigation Retention and Liquidation, Remedy, REO, Default Reporting, Designated Counsel).
Applied strong leadership talents toward training department in Chapters 7, 11, 12, and 13, along with performing loan review of aged bankruptcy loans (e.g. bankruptcy schedules and PACER), as well as mentoring and managing a team of 20 account representatives in areas of Foreclosure and Bankruptcy.
Achieved a 39% reduction in aged foreclosure inventory and 20% reduction in Past Standard Bankruptcy inventory for 2013 while additionally mitigating risks caused by severely aged inventory by reducing overall inventory utilizing a proactive process management approach.
Initiated dialogue with nationwide attorneys via USFN to discuss foreclosure and bankruptcy trends in respective states and updated legislation and revisions to statutes and codes, while delivering detailed summaries that tracked aged NPL inventory.
Led auditing of bankruptcy files to include Proof of Claims, Motions for Relief, payments received from Chapter 13 trustee, and proper input of Stipulations and Agreed Orders onto LPS system to enable accurate application and tracking while building trust of inventors and clients within the Bankruptcy Department.
Conceptualized, developed, and implemented new policies and procedures to achieve goals of loss mitigation and foreclosure while ensuring all clients interests were protected within the bankruptcy action.
Established partnerships with designated counsel to ensure referrals were processed per investor timelines.
Spearheaded the turnaround of the Bankruptcy Department from state of disarray to highly efficient operation that successfully met business, financial management, and client service goals.
Eliminated a large backlog of unfiled Proofs of Claim and Motions for Relief within only 6 months.
Improved skill level and productivity of a 5-member team of specialists by providing integral training in Bankruptcy Law, including developing minimum job standards for all bankruptcy staff.
Capitalized on the opportunity to represent mortgage lenders throughout the foreclosure process beginning with initial default to sheriff s sale, bankruptcy, clouds on title, loan modification, loss mitigation, eviction, and REO, including carefully analyzing foreclosure complaints and comprehensive answers filed.
Supervised defense of actions for alleged TILA and RESPA violations, Predatory Lending, title litigation, and Homestead exemption while providing consultations for clients on modification of foreclosure practice / law.
Minimized losses and protected assets while effectively negotiating and accurately preparing requisite documents for short sales, loan modifications, forbearance agreements, and deeds in lieu of foreclosure.
Drove business growth by recruiting, training, mentoring, and managing 18+ employees and 2 attorneys.
Expertly represented clients in bankruptcies filed under Chapter 7, 11, and 13 of the U.S. Bankruptcy Code while handling 1,500 foreclosure and bankruptcy files and delegating and managing 2 bankruptcy paralegals.
Demonstrated skill in resourcefully avoiding negative impacts on client interests, including preparing Proofs of Claim, Motions for Relief, and Objections to Plan, as well as when the mortgagor(s) filed Bankruptcy and defending mortgage lenders against attempts by the mortgagor(s) to strip down a secured lien.
Supported teams to ultimately generate $1.5 million in gross revenue.
Recognized with FIS Award of Excellence for outstanding performance.
Represented 10+ major mortgage lenders throughout the entire foreclosure process.
Achieved a performance rating of #3 out of 400 mortgage foreclosure firms nationwide.
Chosen as Designated Counsel for Fannie Mae out of numerous competing firms within NJ.
Juris Doctorate Temple University
Anti-Money Laundering Course (To Obtain Certification, In Progress)
Conflict Management for People Managers | Leader as Coach for People Managers
Leadership & Accountability Program 2013 Tuck Executive Education at Dartmouth University
Situational Leadership for People Managers | Fostering Effective Communication & Collaborations
Records Management Basics | Motivating Employees | Creating & Maintaining a Positive Work Environment
Microsoft Office Suite | LexisNexis | ADR | EDR Westlaw | CM/ECF | PACER | LPS | MSP | Clarifier | VendorScape | LenStar
Member, Pennsylvania Bar | Associate Member, National Association of Chapter 13 Trustees / Mortgage Subcommittee
Hiring Agent Name
I am seeking a challenging [ Insert Job Title ] role, and am submitting my resume for your review.
I am excited to build a rewarding career with your compaxxxxxx, and can offer experience in Bankruptcy / Foreclosure Operations, U.S. Bankruptcy Law, FDCPA, FCRA, Process Improvement, Cost-Effective Financial Initiatives, Strategic Analysis / Planning, Best Practices, and Regulatory Compliance. I am also well-versed in Team Building / Training, Productivity / Efficiency Improvements, Services Development, Client Services Administration, Contract Preparation / Negotiations, Asset Protection, Trends Tracking, and Customer Relations. To complement my background, please note that I attained a Juris Doctorate and a Bachelor of Arts in Political Science from Temple University.
Currently, as Vice President of Bankruptcy for Citizens One Home Loans, I expertly lead all facets of Bankruptcy Department operations, including ensuring strict regulatory compliance while training and mentoring staff to achieve Subject Matter Expert (SME) level and create continued operational efficiency. Within this role, I perform loan level review of an entire population to ensure accuracy of set up and payment application, and further perform operational assessments to continue to yield positive results. I also serve as a member of the NACTT Mortgage Servicing Committee to provide Citizens Bank with a valuable group presence for access to best practices in the industry and professional input with bankruptcy-related decisions. Furthermore, I lead staff in identifying actions impacting the bank while ensuring compliance with GSE, OCC CFPB, and internal policies.
A sampling of my achievements with Citizens One Home Loans include:
Streamlining an overstaffed department to enhance operations and reduce labor costs.
Ceasing charge off processes to recoup a greater percentage of amount owed by borrowers.
Achieving an Amazing Customer Experience (ACE) award within only two months of hire.
Leading solid weekly training on bankruptcy fundamentals from a secured creditor perspective.
Continually attaining numerous Credo awards by department, peers, and senior management for going above and beyond, and was cited as Credo Champion by top business line managers.
Spearheading operational risk assessment to reduce $400,000+in reputational and operational risk.
[ Suggestion! Address Here Axxxxxx Skills / Qualifications / Achievements Relevant to the Job Posting ]. As this is just an example of my abilities, please kindly refer to my enclosed resume for additional experience.
I look forward to hearing from you, and thank you in advance for your careful consideration.
Yyyyyy x. yyyyyy
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