Default Mortgage Servicing, Business Analyst

1. RACHEL C. GILE
10719 Dennis Creek St.
Riverview, FL 33578
(407) 701-1361
E-mail: rcgrae@aol.com
SUMMARY OF QUALIFICATIONS
Proven leader and efficiency expert within the mortgage servicing industry for over a decade, responsibilities include
(d): department and team leadership, training and staffdevelopment, communications, operations,report development,
process development, plus numerous other responsibilities expected of an experienced mortgage servicing
professional.
 Mortgage Servicing  Foreclosure  Vendor Management
 Default Operations  Communications  Policy & Process Development
 Collections  Report Development  Research
 Loss Mitigation/Trainer
 Bankruptcy
 Consumer Loans
 MSP Servicing System
 HAMP
 Regulatory Compliance
 Consumer Collections
 CFPB
 Training
 Quality Control
 Claims/Investor/MI
PROFESSIONAL EXPERIENCE
Collections Manager/Loan Resolution
 Responsible for managing and evaluating the day-to day activities of the Credit Union’s Collections
Department. St. Mary’s Bank Loans consist of; Consumer Loans, Equity Loans, 2nd Mortgage Loans, 1st
Mortgage loans to include Portfolio and FNMA
 Minimizing Risk
 Manage delinquency to include; Loan extensions, Modifications, Short Sales and Deed in Lieu’ s
 Manage OREO properties to liquidation
 Oversee the team ensuring the team has all tools necessary to complete their job functions.
 Responsible for the Month End Collections Reports which is presented to the Loan Resolution Committee
and Credit Committee
 Reviewing Compliance with all regulatory agencies for, state and federal laws
 Establish and maintain collection procedures and policies
Business Analyst
 Responsible for working with the Default teams on their servicing platform MSP to ensure functionality of
the systemis configured to QL needs and Investorguidelines.
 Responsible to bring functionality of QL servicing system(MSP) to the business units to implement into
their processes.
 Assisting teams with process flows, procedures
 System Administration for MSP/Desktop; Invoice Management and Process Management a BKFS products
for Servicing.
 Assist Quicken Loan developers on projects on (homegrown) programs for Servicing
 Projects:
o Implemented HUD Claims submissions on MSP
o Implemented Financial (DLQ3) uses and history
o Implemented the repayment plan (DLQ2) uses for Early Stage and Loss Mitigation teams.
o Implemented Default History Screens
 Testing systemchanges

2.  Responsible for all Powercell Advisories and Enhancement notifications, to bring this information to the
business units.
Default Business Consultant
 Responsible for managing complex engagements that involve direct interaction with senior client
executives, third parties, government organizations and multiple LPS products,services and solutions
 Assisted clients in defining new loan portfolio workout solutions
 Re-engineered processes forcore servicing functions in managing new vendor management practices for
clients
 Accountable for working with Program Managers on engagements in defining, re-defining and
documenting processes and procedures within the scope of each engagement assigned
 Conducted process and procedural discoveries from client requests and submitted written and verbal
recommendations to client executives
 Conducted one on one and classroomsetting training client staff on MSP default workstations
Senior Supervisor
 Drafted and implemented HAMP procedures for EverHome’s FHLMC, FNMA, and FHA portfolios
 Developed reports that reduced FHA first legal violations by 90%
 Administered industry changes with investors to update processes and procedures
 Introduced MSP enhancements to help loss mitigation professionals better manage their caseloads
 Establish monthly goals and coach teammembers to those expectations
 Implemented a quality control process within the team that reduced file errors by approximately 95%
 Served as administrator on FNMA servicing tools
 Established a specialized team for Bankruptcy and Mediation for loss mitigation
 Identified training opportunities
 Cross trained staff on various loan types and workout options
 Maintained communications with investors and insurers to ensure strengthened rapport
 Manage the daily workflow operations of loss mitigation professionals engaged in workout procurement on
all loan types.
Education:
Goffstown High School, Goffstown, NH Diploma Business
FNMA Certification
FHLMC Certification
MSP Mortgage Servicing System (Black Knight Application)
Desk Top Certification
FDCPA Training
Employment:
St. Mary’s Bank, Manchester,NH 2015-2016
Quicken Loans, Detroit MI 2014-2015
Black Knight Financial Services, Jacksonville FL 2011-2014
Ever Home Mortgage, Jacksonville, FL 2007-2011
References upon Request