Collateral/ Special Projects - Co-Bank - Greenwood Village, CO
(2024-09)
- Communicate with the incumbent factor, sales team, and operations team throughout the process to obtain all necessary documentation.
- Obtain subordination agreements from other lenders (banks, equipment lenders, merchant cash advance lenders, etc.).
- Loan documents reviewed/loan boarding.
- Review new client account setups for accuracy in STOC.
- CDM housing files and E-Docs.
- File Uniform Commercial Code (UCC) statements with the Secretary of State offices (initial financing statements, termination statements, assignments, and amendments).
- Projects State assigned.
- Documents reviewed for collateral.
- Communicate with sales force and operations teams regarding pending items needed for funding.
- Maintain notes and records in Salesforce.
- Perform other tasks as assigned by upper management.
Manager Bankruptcy and Invoicing - Computershare - Denver, CO
(2022-08 - 2024-08)
- Remain up to date and comply with all state and federal laws, regulations, investor, and insurer guidelines
- Investigated disputes and responded accordingly.
- Filing legal documents, handling bankruptcy correspondence, and communicating with courts, trustees, and attorneys
- File and track invoicing submitted with LPS/BlackKnight
- Improve operations and procedures.
- Created weekly, monthly and quarterly reports for Fannie Mae, Freddie Mac and Department.
- Managed department staff accordingly.
- Drafted responses for exceptions on foreclosure procedure errors.
- Chapter 7, 11, 13 bankruptcies to legal and counsel.
- Financial acquisitions audits to confirm accuracy of balances and prior servicer restitution of any unsolved balances.
- Determined cost effectiveness to attorney assign on filings, ie reaffirmation agreements, motion for relief of stay.
- Monitored payments and surrendered home on secured loans during the active bankruptcy.
- Cash room responsible for posting checks and updating system.
- Monitoring all invoices coming in to pay and determine guidelines on paying invoices through investor guidelines.
Senior Enterprise Third Party Risk - Civic Financial/PAC - Redondo Beach, CA
(2021-04 - 2022-08)
- Request and review required due diligence documentation from potential or existing third parties.
- Conduct financial analysis to determine third party's viability, as required.
- Responsible for ensuring that third party records are established based on accurate information obtained.
- Communicate with the business units and other stakeholders regarding applications, contract expirations. Renewals; assist with relationship modifications or terminations and update third party tracking.
- Document and manage third party incidents, including remediation plans and reporting.
- Conduct monitoring activities to ensure compliance with contractual obligations and defined performance standards; generate performance assessments to gauge if performing at acceptable levels and meeting contractual Service Level Agreements.
- Facilitate annual recertification-third parties based on established protocols and risk profiles.
- Escalate risk concerns to Third Party Risk Manager and make appropriate recommendations.
- Complete all necessary department reports accurately and within scheduled deadlines.
- Conduct secondary reviews of risk assessments and provide ongoing support to team members.
- Maintain any necessary databases, applications, etc. that support Manages project implementation to achieve project goals while controlling resources, risks, conflicts, timelines and costs.
- Identifies, secures, and coordinates the resources necessary for project success, including managing the budget and any outside resources on a daily basis
- Serves as a mentor and facilitates conflict resolution.
- Critical thinking and having decisive judgment to have the ability to do my job and work without or work with supervision.
- Fast paced environment.
Senior Compliance Specialist - Ag Resource - Denver, CO
(2018-08 - 2020-05)
- Identify documents and areas of improvement and reports findings to Senior Management.
- Fund the loan according to the bank approval and the loan documents.
- Improved regulatory change management procedures, ensuring regulatory changes were efficiently integrated into company policies
- Reviewed and provided formal feedback on new gaming regulations, influencing the development of fair and responsible gaming practices.
- Developed compliance risk assessments for new products, contributing to a 15% growth in the product portfolio.
- Enhanced the compliance training curriculum.
- Proactively develops and maintains a good relationship with other lines of business within the bank and with external referral sources.
- Communicate to all locations inquiries and/or problems as they arise, and oversee the implementation of corrective action.
- Develop Power Point Presentations for training.
- Working with all documents such as; AOI- Notes -Security Agreement -FSA -ACH- Notice to Buyers-UCC,-SOI and Crop inspections.
- Obtain and verify insurance, request and title searches for review upon receipt.
- UCC Terminations and Searches.
- Implement and maintain the policies, procedures and guidelines.
- Track progress of audit/exam exception items to ensure timely resolution.
- Managing accuracy and reporting.
- Daily agriculture tasks to ensure daily operations ran smoothly.
REO - Compliance and Vendor Manager - PMH Financial- Stewart Services - Denver, CO
(2011-03 - 2018-08)
- Perform special project work and departmental duties, as assigned.
- Investor guidelines.
- Identify and document areas that may need improvement.
- Resolve conflict and be diplomatic about situations.
- Perform in-depth review and analysis within quality control for Regulatory/TRID compliance.
- Identified legal documents/data discrepancies.
- Understanding of contact center security audits, security compliance and fraud incident management space
- Communicate within departments and with clients regarding audit results.
- Outstanding written and verbal communication and presentation skills; ability to articulate a vision, strategy, ideas and decisions clearly and succinctly to senior stakeholders
- Evaluates the compliance risks, disclosures, and controls for new products and services and potential conflicts of interest.
- Plans, assigns, monitors, reviews, evaluates, and leads the work of others.
- Leading all aspects of vendor activities, including contracts, licenses, performance reviews, etc.
- Performing audits and finding discrepancies and inefficiencies (reduced costs by 5-25%.)
- Partner with an REO Outsource Management company to develop and implement an approved asset management strategy for assigned portfolio, including marketing plans and case preparation within portfolio assigned timeframes
- Coordinate the asset rehabilitation strategy with internal departments and manage the project timeline.
- Coordinate and manage the asset strategy and liquidation milestones.
- Work with internal and external stakeholders
- Coordinate the closing of escrow and coordination of all aspects involved with the closing process
- Confirm closing dates, location, documentation, and funds due at closing with buyers.
- Fast paced environment.
Manager Mortgage Default Servicing and Compliance - Aurora Loan Services - Denver, CO
(2004-02 - 2010-05)
- Manage P&L departments with focus on global productivity, pipeline, and quality standards.
- Review SOW's, PCF (Process Change Forms), and project plans for approval.
- Analyzes and interprets laws, rules, policies, and procedures.
- Serves as a SME.
- Understands and communicates within the SLA guidelines.
- Oversee Mortgage Servicing functions including collection activities, default management, bankruptcy, foreclosure, pre-foreclosure matters, and customer service to ensure compliance with all required timelines.
- Coordinates execute and perform auditor/lead audit functions during internal audits to ensure compliance with applicable regulations guidelines and procedures.
- Serves as point person for communication with internal business partners such as Quality Control, Compliance, Internal Audits and Risk Management. Ensures compliance with regulatory, investor, insurer and guarantor guidelines through ongoing monitoring of investor changes and internal monitoring reporting.
- Corrective Action Plans for all servicing areas including Customer Service, Escrow, Collections, Loss Mitigation, Foreclosure, Bankruptcy and Claims.
- l operational performance combined with risk and relationship.
- Supervises department staff and supervisors to establish and monitors performance measurements and help with training goals, and provides professional mentoring
- To improve productivity and promote innovation and success.
- Encompass
Manager Mortgage Default Servicing - JP Morgan Chase - Columbus, OH
(1997-11 - 2004-02)
- Vendor managing all Attorney communication within Default.
- Moving aged accounts to foreclosure sale, addressing low value properties timely, high balance reviews, lost liens to tax sale, prepare equity analysis with detail and accuracy, meeting FNMA timelines on each foreclosure file while closely monitoring attorneys and the overall quality performed on all daily job tasks
- Responsible for payment of delinquent taxes and ensuring proper payment has been received by taxing jurisdictions
- Work closely with attorneys on litigation and contested foreclosure matters
- Meet department standards set forth on maintaining percentage of past due activities, daily productivity, managing current status.
- Complete legal follow ups and provide bidding instructions, verify foreclosure sales are complete and process repossessions as necessary.
- Ensure accurate and timely title curative handling.
- Strong analytical, planning, and organizational skills with the ability to multitask.
- Daily updates to the internal systems to provide the most accurate preservation status.
- Deliver reports to the field vendor for Preservation or inspections order requests.
- Complete daily internal tasks created by other departments needing preservation services.
- Review violations and contact the local city and/county to resolve the violation or liens.
- Actively manage timelines to ensure FHA Properties are being conveyed to HUD according to their strict requirements.
