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0000 xxxxxx xxxx , xxxx , xxxxx 00000 ● (xxx-xxx-xxxx ● firstname.lastname@example.org
Loss Mitigation ~ Project & Team Leadership ~ Underwriting
Internal Controls ~ Quality Assurance ~ Asset Management
- Seasoned background in financial services with proficiency in regulatory compliance, risk management, internal controls, audits, gap/trend analysis, account reviews, investigations, and report preparation.
- Excel in researching, uncovering and analyzing complex data, choosing appropriate course of action, and reporting findings to top-level leadership and government authorities.
- Possess sound knowledge of Consumer Financial Protection Bureau (CFPB) guidelines.
- Excel at interfacing with key stakeholders to contain expenses, drive continuous improvement, and ensure rigorous conformance to quality control, legal, internal, and privacy parameters.
- Highly respected for sharp blend of investigation, analytical, mentoring, and communication skills.
- Adept at fostering unified working relationships with all levels of an organization as well as external agencies, and able to respond accordingly to frequently shifting priorities and demands.
Detail-driven problem solver with proven strengths in handling sensitive and confidential information.
Exemplary capabilities in developing systems and tools to align with corporate and regulatory criteria while meeting or exceeding company s financial reporting and operational support needs.
Rushmore Loan Management Servicing, Irvine, CA, 2014 to Present
Loan Servicing Quality Assurance Representative
Methodically assess accounts handled by servicing agents to ensure precise alignment with company s policies and procedures, and diligently ensure receivables are collected by investors.
Notify management as needed regarding agents compliance with FDCPA, UDAAP and other major financial regulatory requirements such as Reg X (RESPA) and Reg B (Equal Credit Opportunity).
Verify CFPB requirement specific to mortgage loan servicing in Dodd-Frank Regulatory Reform Act is implemented during customer communications.
Promontory Financial Group / Robert Half International, Irvine, CA, 2011 to 2013
Risk Management / Compliance Officer
Managed and maintained pipeline of primarily Fannie Mae investor loans.
Reviewed files from modified and foreclosed loans to ensure conformance to HAMP guidelines, analyzed data to identify trends, and examined income calculation and debt ratio to identify harm or error.
Assembled comprehensive loan histories to determine validity for foreclosure decision, and re-wrote files to determine errors made in underwriting decision.
Joined forces with senior management, US regulators and foreign regulators to collectively monitor and ensure compliance with AML and OFAC requirements.
Meticulously completed claim review and harm evaluations according to Promontory/OCC definitions.
Ascertained financial injury and associated amounts, held accountability for final determination of harm, and documented findings.
Standardized, implemented, and continually enhanced risk assessment processes and practices.
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Land America Default Services, Irvine, CA, 2006 to 2011
REO Asset Manager
Spearheaded portfolio of 300+ REO assets in pipeline, and seamlessly engaged with brokers and agents nationwide to market and sell properties.
Decisively approved repairs and property preservation activities while ensuring adherence to budgetary limitations, and solicited bids from contractors for maintenance and reconstruction services.
Optimized property awareness and interest by providing high-impact marketing direction to brokers.
Resourcefully merged exceptional sales, valuation, and negotiating skills to develop appropriate bids and counter offers, vital to meeting or exceeding performance targets; successfully sold over 200 individual properties and apartment buildings.
Devised broad range of reports encompassing analysis, insurance policy/coverage, processes, policies, and procedures.
Master Financial Inc. / Residential Mortgage, Orange, CA, 2002 to 2006
Loss Mitigation Specialist
Systematically assisted borrowers who were in foreclosure status to qualify for in-house loan modifications on 5-10 year plans.
Prepared forbearance agreements with borrowers, critically evaluated financial information, and successfully resolved multiple issues by aiding, guiding, and educating borrowers regarding available loss mitigation options.
Handpicked as Team Lead and charged with fortifying compliance processes, mitigating risks, and streamlining internal procedures to increase quality levels and overall department performance.
Strategically prioritized and managed multiple competing projects and priorities under time pressure without compromising quality.
People s Choice Home Loans, Inc., Irvine, CA, 2000 to 2002
Senior Pre-Foreclosure Specialist
Persuasively negotiated with borrowers on repayment plans and other loss mitigation options to collect on non-performing mortgage loans which were >150 days delinquent.
Trained, mentored, coached, and educated department personnel, consistently emphasizing quality assurance, capitalizing on available resources, and ensuring strict regulatory compliance.
Concurrently administered all stand-alone second mortgage loans, exhibiting outstanding versatility and multi-tasking skills.
J.S.M., Compliance & Risk Management, Thomas Jefferson School of Law
B.A., Economics and Finance, Kean University of New Jersey
Law Studies, University of West Los Angeles School of Law
Microsoft Office Suite (Word, Excel, Outlook), West Law, LexisNexis,
REO Tran, ResNet, London Bridge, Encompass, Univision
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