Results-Focused Leader Committed to Optimizing Operations with Proven Expertise in the Competitive Mortgage Servicing Industry

Operations Management ￨ New Business Development ￨ Team Building / Training

Strategic Analysis / Planning ￨ Trends Tracking ￨ Negotiations ￨ Quality Assurance

Loss Mitigation ￨ Process Optimization ￨ Best Practices ￨ Change Management ￨ Vendor Relations

Highly Accomplished Leader who drives companywide growth, creates targeted initiatives, provides world-class services, and cultivates a strong company image with superior quality. Top Performer who offers solutions-centric critical thinking for insightful, change-oriented results to align with a company s vision, value, and goals. Out-of-the-Box Thinker who rises above business challenges to improve the bottom line and achieve winning outcomes, including quickly adapting to evolving scenarios. Excellent Communicator who develops synergistic relationships with executives, teams, and clients of diverse cultural, ethnic, and socioeconomic backgrounds, and who leads peers by example and with ethics and integrity.

Core Competencies Include:

  Exhibiting recognition as a quick study who rapidly picks up new concepts.

  Utilizing best practices in alignment with key guidelines and company objectives.

  Continually identifying strengths and weaknesses to boost bottom-line performance.

  Effectively developing new companywide policies and procedures to maximize success.

  Actively upholding cutting-edge technical skills and up-to-date industry trends awareness.

  Cross-functionally collaborating with peers to deliver quality-driven business products / services.

  Providing hands-on leadership support always willing to go the extra mile to surpass the status quo.

Xxxxxx County College

Associate of Science Degree (3.75 GPA)

Microsoft Office Professional Suite (Word, Excel, PowerPoint, Access, Outlook)

Lender Processing Services ￨ Black Knight ￨ Back in the Black ￨ iDesk (Internal) ￨ BITB

Cenlar FSB, Ewing, XXXXXX

(2014 Present)

Loss Mitigation Underwriter FHA ￨ USDA ￨ FNMA ￨ FHLMC ￨ VA

Capitalize on the opportunity to lead forward-thinking loss mitigation underwriting initiatives, including driving responsible decision-making and determination for the best loan workout solutions per CFBP guidelines. Expertly review and analyze borrowers financial documents, including credit reports, tax returns paystubs, and financial statements. Collaborate with internal departments, including Collections, Foreclose, Bankruptcy, and Client Management, and liaise among external third-party vendors, foreclosure attorneys, firms, and borrowers to meet goals. Regularly interface among team lead and senior-level management on department processes and flow.

Key Accomplishments

  Underwrote 100+ loans across several consecutive months.

  Actively exceeded department s monthly goals of 5 loans per day.

  Served as Subject Matter Expert of investor, insurer, and client guidelines.

  Recognized as the department leader in training FHA and USAD guidelines.

  Launched a new workbook and document checklist to help grow the department.

  Personally averaged 75 decisions (M31) per month to boost the company s billable income.

  Managed and monitored production by implementing and crediting a new production activity log.

  Continually improved productivity and efficiency by providing recommendations to senior management.

Yyyyyy x. yyyyyy ￨ Page Two ￨ (xxx-xxx-xxxx

Udren Law Office, Cherry Hill, XXXXXX

(2014)

Litigation Specialist

Utilized broad scope of industry knowledge toward collaborating with a litigation attorney in ensuring seamless litigation processes ranging from commencement of proceedings to the discovery period, trial, and post-trial activities. Evaluated servicing notes based on key provided information. Represented firm and assisted attorney during foreclosure hearings. Produced supportive litigation documents, ordered servicing notes from clients, and completed documentation requests from outside counsel. Coordinated high volumes of information with a details-centric focus on accurate data management.

Key Accomplishments

  Prepared foreclosure materials and participated in depositions per attorney request.

  Conducted legal research using computerized information retrieval and analysis systems.

  Demonstrated knowledge in Loss Mitigation Process, judicial council forms, and related procedures.

Bank of America, Newark, XXXXXX

(2011 2014)

Team Manager Foreclosure Review

Strategically steered a top-performing team of 20 in continually improving performance, decreasing errors, and boosting team morale, including participating in daily meetings with senior managers to discuss agendas for claim review processes. Interviewed and recommended hire to 100+ employees for a large-scale foreclosure file review project. Conducted daily monitoring sessions and managed employees pipeline to ensure target goals were met. Recommended post-claims review actions early stage default, late stage default, loss mitigation, and foreclosure in compliance with FCC / OCC guidelines.

Key Accomplishments

  Successfully decreased Foreclosure Review s error rate to less than 1%.

  Led team in meeting timelines while balancing internal / external customer needs.

  Coordinated data to implement a process flow to review 1.3 million loan claims requests.

  Trained staff on diverse bank-wide policies, procedures, and project-specific production tasks.

Radian Guaranty, Philadelphia, PA

(2010 2011)

Specialist Risk Management Portfolio ￨ Credit Analysis

Spearheaded onsite servicing review of top clients to ensure satisfactory performance and policy compliance, including collaborating with a top outside vendor and Loan Level Servicing Department to complete the portfolio s audit review.

Key Accomplishments

  Led high-level servicing reviews to the VP and other executive committee members.

  Coordinated and managed an external network of component loss mitigation operations.

  Maximized company capital position by partnering with servicer to leverage loan retention options.

  Delivered expert recommendations of claims reduction based on audit review of loss mitigation efforts.

PHH Mortgage, Mount Laurel, XXXXXX

(2003 2010)

Loss Mitigation Underwriter Early & Late Stage Collections

Played a vital role in promoting efficient default processes across 30-, 60-, 90-, and 120-day loans, including liaising among customers via dialer systems offering best possible workout solutions. Managed a pipeline of 200+ loans. Recognized for job performance excellence with transition to Loss Mitigation to consult with homeowners on account status and review financial statements. Built and sustained lucrative relationships with private investor ML, Charles Schwab, and Credit Unions. Mitigated loss and reduced exposure to top clients by promoting critical recommendations for workout programs.

Key Accomplishments

  Profitably approved and strategically negotiated 200+ short sales.

  Underwrote 60+ loans monthly, including FHA, Private, FNMA, and FHLMC.

  Continually avoided pending foreclosures by managing a pool of delinquent accounts.

  Generated $780,000+ in annual loss mitigation incentives via recommended workout and decisions.

  Reduced exposure to PHH, Investor, and insurers by mitigating and converting non-performing loans.

Date

Hiring Agent Name

Company Name

Address

City/State/Zip Code

Dear__________________:

I am exploring a new career opportunity within a challenging [ Insert Job Title ] role, and I believe that I can make a positive contribution to your success.

To acquaint you with my background, I offer proven talents in Operations Management, New Business Development, Strategic Analysis / Planning, Trends Tracking, Loss Mitigation, Negotiations, Vendor Relations, and Quality Assurance. I am also well-versed in Team Building / Training, Process Optimization, Best Practices, and Change Management, among other areas, and I consistently achieve winning outcomes due to my superior skills in critical thinking, workflow prioritization, communications, conflict resolution, and attention to detail. To complement this experience, please note that I attained an Associate of Science Degree (3.75 GPA) from Xxxxxx County College.

Currently, as a Loss Mitigation Underwriter with Cenlar FSB, I successfully direct forward-thinking loss mitigation underwriting initiatives, including driving responsible decision-making and determination for the best loan workout solutions per CFBP guidelines. With this role, I expertly review and analyze borrowers financial documents, including credit reports, tax returns paystubs, and financial statements. I also seamlessly manage a pipeline of up to 100 files monthly. Furthermore, I continually improve productivity and efficiency by providing valuable recommendations to senior management to assist my employer in maximizing bottom-line performance.

A sample of my recent accomplishments included:

  Underwriting 100+ loans across several consecutive months.

  Actively exceeding the department s monthly goals of 5 loans per day.

  Serving as the department s leader in training FHA and USAD guidelines.

  Serving as a Subject Matter Expert in investor, insurer, and client guidelines.

  Launching a new workbook and document checklist to help grow the department.

  Personally averaging 75 decisions (M31) per month to boost the company s billable income.

  Managing and monitoring production by implementing and crediting a new production activity log.

As this is just an example of my abilities, please refer to my enclosed resume for additional leadership, risk management, and loss mitigation experience.

I am eager to discuss how my qualifications uniquely match your current and future needs, and look forward to interviewing with you soon.

Sincerely,

Yyyyyy x. yyyyyy