Over 15 years in the Mortgage Industry with proven experience in high volume claims processing, loss mitigation, closings, bankruptcy, foreclosure, and fraud and risk assessment. A leader with strong analytical skills, effective strategic planning, and credit analysis, the ability to function efficiently in multi-task environments, and make positive productive decisions.
This document is a resume for Michael L. Randle. It summarizes his professional experience in banking, loan servicing, real estate, and operations management over the past 15+ years. Randle has held several leadership roles at banks like JPMorgan Chase and Bank of America, where he managed loan portfolios, short sales, bankruptcy, and loss mitigation. He also has experience as a realtor at Coldwell Banker Residential. Randle's resume emphasizes his skills in risk management, mortgage lending, project management, and financial services.
Michael Randle has over 15 years of experience in banking, loan servicing, operations, call center operations, credit analysis, risk management, budgeting, and forecasting. He has held several leadership roles managing teams and portfolios at JPMorgan Chase, Bank of America, and other financial institutions. Randle holds a Bachelor's degree in Business Administration and has additional real estate and engineering qualifications.
Michael Randle has over 15 years of experience in banking, loan servicing, operations, call center operations, credit analysis, risk management, budgeting, and forecasting. He has held several leadership roles managing teams that service mortgages, handle bankruptcies and short sales, and provide customer service. Randle has a proven track record of achieving results through strategic initiatives while ensuring compliance with regulations.
Cyndi Shiro has over 15 years of experience in mortgage underwriting. She is currently an underwriter at PennyMac Loan Services where she maintains high quality and accuracy standards. Prior to her current role, she worked as an underwriter at JP Morgan Chase, FCC Finance, EMC Mortgage, and Countrywide Home Loans. She has extensive experience underwriting a variety of loan types, including conventional, FHA, VA, USDA, and portfolio loans. She is proficient in analyzing borrower income, assets, credit, and appraisals to determine loan eligibility according to investor guidelines.
This document summarizes the career experience of a financial services professional seeking a senior management role in mortgage banking or operations management. They have over 20 years of experience in mortgage compliance, servicing, operations consulting, and default/loss mitigation. Their most recent role was as Compliance Officer and HR Officer for a mortgage company where they expanded operations into new states and branches.
Shellie Shea has over 15 years of experience in mortgage loan processing, quality control, and management. She is currently an AVP Team Manager at Bank of America, where she oversees a team that ensures FHA and VA loans meet investor guidelines. Previously, she has held roles with increasing responsibility at Countrywide, Lenders First Choice, US Mortgage Capital, and Metrocities Mortgage, demonstrating a strong background in loan closing, quality control, and training.
Latrice Farmer has over 17 years of experience managing logistics and supply chain operations including procurement, budgeting, inventory control, and customer relations. She currently works as a Procurement Agent at Naval Hospital Beaufort where she performs contracting and accounting functions, oversees purchase cards and budgets over $250k. Previously she worked as a Financial Technician on the USS Dwight D. Eisenhower supervising 15 personnel and a $2.8M budget.
David Pellegrini is seeking a position as a margin and risk analyst. He has over 10 years of experience in margin analysis and risk management roles at various financial institutions, including E*TRADE, Morgan Stanley, UBS, and E*TRADE again. He has a thorough understanding of relevant regulations such as FINRA Rule 4210, Regulation T, and SEC Rule 15c3-3. He is skilled at monitoring risk, reviewing accounts, and ensuring compliance.
This document is a resume for Michael L. Randle. It summarizes his professional experience in banking, loan servicing, real estate, and operations management over the past 15+ years. Randle has held several leadership roles at banks like JPMorgan Chase and Bank of America, where he managed loan portfolios, short sales, bankruptcy, and loss mitigation. He also has experience as a realtor at Coldwell Banker Residential. Randle's resume emphasizes his skills in risk management, mortgage lending, project management, and financial services.
Michael Randle has over 15 years of experience in banking, loan servicing, operations, call center operations, credit analysis, risk management, budgeting, and forecasting. He has held several leadership roles managing teams and portfolios at JPMorgan Chase, Bank of America, and other financial institutions. Randle holds a Bachelor's degree in Business Administration and has additional real estate and engineering qualifications.
Michael Randle has over 15 years of experience in banking, loan servicing, operations, call center operations, credit analysis, risk management, budgeting, and forecasting. He has held several leadership roles managing teams that service mortgages, handle bankruptcies and short sales, and provide customer service. Randle has a proven track record of achieving results through strategic initiatives while ensuring compliance with regulations.
Cyndi Shiro has over 15 years of experience in mortgage underwriting. She is currently an underwriter at PennyMac Loan Services where she maintains high quality and accuracy standards. Prior to her current role, she worked as an underwriter at JP Morgan Chase, FCC Finance, EMC Mortgage, and Countrywide Home Loans. She has extensive experience underwriting a variety of loan types, including conventional, FHA, VA, USDA, and portfolio loans. She is proficient in analyzing borrower income, assets, credit, and appraisals to determine loan eligibility according to investor guidelines.
This document summarizes the career experience of a financial services professional seeking a senior management role in mortgage banking or operations management. They have over 20 years of experience in mortgage compliance, servicing, operations consulting, and default/loss mitigation. Their most recent role was as Compliance Officer and HR Officer for a mortgage company where they expanded operations into new states and branches.
Shellie Shea has over 15 years of experience in mortgage loan processing, quality control, and management. She is currently an AVP Team Manager at Bank of America, where she oversees a team that ensures FHA and VA loans meet investor guidelines. Previously, she has held roles with increasing responsibility at Countrywide, Lenders First Choice, US Mortgage Capital, and Metrocities Mortgage, demonstrating a strong background in loan closing, quality control, and training.
Latrice Farmer has over 17 years of experience managing logistics and supply chain operations including procurement, budgeting, inventory control, and customer relations. She currently works as a Procurement Agent at Naval Hospital Beaufort where she performs contracting and accounting functions, oversees purchase cards and budgets over $250k. Previously she worked as a Financial Technician on the USS Dwight D. Eisenhower supervising 15 personnel and a $2.8M budget.
David Pellegrini is seeking a position as a margin and risk analyst. He has over 10 years of experience in margin analysis and risk management roles at various financial institutions, including E*TRADE, Morgan Stanley, UBS, and E*TRADE again. He has a thorough understanding of relevant regulations such as FINRA Rule 4210, Regulation T, and SEC Rule 15c3-3. He is skilled at monitoring risk, reviewing accounts, and ensuring compliance.
David James Herro has over 20 years of experience in mortgage underwriting, quality control auditing, and management. He has worked for several large financial institutions in underwriting roles focused on government-backed and conforming loans. He is proficient in various loan origination systems and understands FHA, VA, USDA, FNMA, and FHLMC guidelines. Currently he performs remote underwriting and quality reviews for a staffing company.
Concetta Greiner has over 25 years of experience in accounting and finance roles. She currently works as an Accountant II for Tyco/Simplex Grinnell, where her responsibilities include managing the monthly close process for 102 intercompany accounts and ensuring balances meet thresholds. Previously, she spent over 20 years at American Express in various roles of increasing responsibility, including accounting clerk, cashier, customer service representative, and accountant. Greiner has a Bachelor's degree in Accounting and is proficient in GAAP, financial reporting, bookkeeping, and Microsoft Office applications.
Natalie Reed has over 15 years of experience as a mortgage loan processor and underwriter. She has processed FHA, VA, and conventional loans and is knowledgeable in Fannie Mae, Freddie Mac, and FNMA guidelines. She is seeking a position as a mortgage junior underwriter or loan processor where she can use her skills in a high-pressure environment working with high producing brokers.
Loretta V. Cobb-Yancy has over 20 years of experience in mortgage lending, including roles as a compliance analyst, underwriter, and branch manager. She has extensive knowledge of federal lending regulations and state policies. Currently she works as a Compliance Specialist for Homesite Mortgage, where her responsibilities include reviewing loans for compliance with TRID guidelines, company policies, and investor requirements.
The document provides an overview of the services offered by Grid Financial Services, including mortgage origination fulfillment, loan modification/loss mitigation services, and default services. Grid Financial offers outsourced processing, underwriting, closing, and default resolution services to banks, private equity firms, and mortgage companies. Their platform provides customizable solutions for origination, modifications, short sales, and other default services.
The document provides an overview of the services offered by Grid Financial Services, including mortgage origination fulfillment, loan modification/loss mitigation services, and default services. Grid Financial offers outsourced processing, underwriting, closing, and default resolution services to banks, private equity firms, and mortgage companies. Their platform provides customizable solutions for origination, modifications, short sales, and other default services.
The summary provides details on LaShondra Jones' 17 years of banking experience including 10 years of customer service experience and 5 years of mortgage lending experience. She has excellent communication, analytical, and problem solving skills. Her experience includes roles as a bankruptcy research associate, home preservation specialist, fraud/financial crime analyst, retail phone banker, and sorter operator/coordinator at Wells Fargo Bank and Wachovia Bank.
Rami Bahroun has over 8 years of experience in the banking industry. He holds a Bachelor's Degree in Commerce with a major in Accounting and is fluent in English, French, and Arabic. Currently, he works as a Senior Credit Control Officer at CIBC in Montreal, where his responsibilities include verifying loan documentation, reviewing security documents, analyzing issues, and ensuring compliance. Previously, he held credit and operations roles at Barclays Bank and worked in retail operations and sales at various companies in Saudi Arabia, Egypt, and Canada.
Jerry McGee has over 9 years of experience in the financial industry, including experience reviewing loans for the Home Affordable Modification Program and as a loan counselor, underwriting specialist, and loan specialist. He has also worked in property claims, clinical labs delivery, quality assurance, and various roles at Bank of America and Countrywide Financial Corporation focused on loan servicing, collections, loss mitigation, and short sales.
- Onjenice Brunson is an experienced Loan Management Professional seeking a new opportunity, with skills in high-volume, fast-paced environments developed through positions at Wells Fargo, Chase, and American Express
- Brunson has over 10 years of experience in loan servicing, collections, loss mitigation, and customer service, including managing teams of over 20 employees
- Education includes an Associate's degree in Fashion Merchandising from Bauder College
Trudy York has over 29 years of experience in various roles within the mortgage industry, including management, underwriting, processing, quality control, and compliance. She is currently the Purchase Clearing, Shipping, Final Documents and Insuring Manager at Citywide Home Loans, where she manages teams and pipelines to ensure timely loan shipping and clearing. Prior to this role, she held positions as a QC Manager, Mortgage Underwriter, and Operations Manager at several other mortgage companies. She has extensive experience underwriting and processing FHA, VA, FNMA, FHLMC, and portfolio loans.
Roberta Allen has over 20 years of experience managing fraud operations and projects in the banking and financial services industries. She has a proven track record of reducing costs through process improvements and staff restructuring initiatives. Allen is skilled in project management, process optimization, and developing policies and procedures to ensure regulatory compliance.
This document provides a summary and professional experience of Soniya Lateka Lewis. She has over 10 years of experience analyzing data in the default mortgage industry and 2 years in sales and order entry. Her experience includes conducting loan level reviews to ensure compliance, submitting claims for reimbursement, performing general ledgers, and maintaining high quality audits. She also has experience in customer service, account management, and reviewing legal documents. Her professional experience includes roles as a support analyst, loan servicing specialist, and bankruptcy specialist.
Merrell Fleming has over 31 years of experience in various industries including banking, insurance, office furniture, product manufacturing, and accounting. She has a proven track record of streamlining processes, improving productivity and customer satisfaction. Fleming is skilled in areas such as project management, data analysis, problem solving, and software proficiency.
James A. Roberts is seeking a leadership position where he can apply his problem-solving and management skills. He has over 10 years of experience in the financial services industry, holding roles such as a Consumer Solutions Representative, Investor Accounting Representative, and Mortgage Processor. His experience includes client relations, complaint resolution, accounting, and loan processing. He has strong communication, research, and analytical skills.
William P. Madison has over 10 years of experience in the auto finance collections industry, currently working as a Collector III for Wells Fargo Dealer Services in Atlanta. Prior to that he held several leadership roles at TD Auto Finance in Jacksonville, including Specialized Collections Manager, Team Manager for pre-charge off accounts, and positions in post-charge off strategy, repossessions, loss mitigation and high risk collections. He has a proven track record of successfully managing teams, meeting performance targets, and resolving complex accounts. Madison holds an Associate of Arts degree from Florida State College of Jacksonville.
J. Matthew Hall has over 10 years of experience in commercial mortgage analytics and asset management. He is currently an Analytical Consultant at Wells Fargo, where he manages a portfolio of over 1,600 commercial loans totaling $1.6 billion. Prior to this role, Hall held several positions at Wells Fargo including Commercial Mortgage Asset Manager and Client Solutions Analyst. He has a Bachelor's degree in Marketing and Communication from Ohio University.
Juliana Bacchus has over 20 years of experience in credit and collections roles. She has worked for many major entertainment and technology companies, including Warner Bros., Disney, and Technicolor. Her experience includes building credit departments, implementing software upgrades, reducing past due accounts, and delivering measurable results. She has strong skills in credit analysis, account reconciliation, and developing relationships with customers, management and coworkers.
This document contains guidelines for professional accountants regarding potential threats to independence and appropriate safeguards. It discusses legal services, recruiting services, and corporate finance services that may be provided to an audit client. For legal services related to executing transactions, the significance of any threats depends on factors like the nature of the service and whether audit team members are involved. Safeguards like using non-audit team members may be applied. Acting as an advocate in material disputes creates unacceptable threats. For recruiting services, the firm cannot assume management roles or make hiring decisions. Corporate finance services can create advocacy and self-review threats, which safeguards like using non-audit team members must address.
This document provides a summary of Reeboy C. Derilon's professional experience and qualifications. It outlines over 6 years of experience in accounting, project controllership, supply chain management, and ERP systems. Key roles included coordinator for IBM's Maximo Asset Management system and assistant project controller for construction projects. Derilon also has experience in financial reporting, budgeting, cost control, procurement, and inventory management. Educational background includes a Bachelor's degree in Accountancy and certification as a CPA.
This document discusses Lean and Six Sigma quality improvement methodologies used in healthcare. It explains that Lean focuses on eliminating waste using tools like 5S and value stream mapping. Six Sigma aims for near-perfect processes by reducing defects to 3.4 per million opportunities through the DMAIC methodology of define, measure, analyze, improve, and control. The document provides examples of different types of waste in healthcare like unnecessary motion, waiting, and overproduction. It emphasizes that adopting Lean thinking can help improve patient safety, satisfaction, productivity and other goals by standardizing processes and eliminating waste.
David James Herro has over 20 years of experience in mortgage underwriting, quality control auditing, and management. He has worked for several large financial institutions in underwriting roles focused on government-backed and conforming loans. He is proficient in various loan origination systems and understands FHA, VA, USDA, FNMA, and FHLMC guidelines. Currently he performs remote underwriting and quality reviews for a staffing company.
Concetta Greiner has over 25 years of experience in accounting and finance roles. She currently works as an Accountant II for Tyco/Simplex Grinnell, where her responsibilities include managing the monthly close process for 102 intercompany accounts and ensuring balances meet thresholds. Previously, she spent over 20 years at American Express in various roles of increasing responsibility, including accounting clerk, cashier, customer service representative, and accountant. Greiner has a Bachelor's degree in Accounting and is proficient in GAAP, financial reporting, bookkeeping, and Microsoft Office applications.
Natalie Reed has over 15 years of experience as a mortgage loan processor and underwriter. She has processed FHA, VA, and conventional loans and is knowledgeable in Fannie Mae, Freddie Mac, and FNMA guidelines. She is seeking a position as a mortgage junior underwriter or loan processor where she can use her skills in a high-pressure environment working with high producing brokers.
Loretta V. Cobb-Yancy has over 20 years of experience in mortgage lending, including roles as a compliance analyst, underwriter, and branch manager. She has extensive knowledge of federal lending regulations and state policies. Currently she works as a Compliance Specialist for Homesite Mortgage, where her responsibilities include reviewing loans for compliance with TRID guidelines, company policies, and investor requirements.
The document provides an overview of the services offered by Grid Financial Services, including mortgage origination fulfillment, loan modification/loss mitigation services, and default services. Grid Financial offers outsourced processing, underwriting, closing, and default resolution services to banks, private equity firms, and mortgage companies. Their platform provides customizable solutions for origination, modifications, short sales, and other default services.
The document provides an overview of the services offered by Grid Financial Services, including mortgage origination fulfillment, loan modification/loss mitigation services, and default services. Grid Financial offers outsourced processing, underwriting, closing, and default resolution services to banks, private equity firms, and mortgage companies. Their platform provides customizable solutions for origination, modifications, short sales, and other default services.
The summary provides details on LaShondra Jones' 17 years of banking experience including 10 years of customer service experience and 5 years of mortgage lending experience. She has excellent communication, analytical, and problem solving skills. Her experience includes roles as a bankruptcy research associate, home preservation specialist, fraud/financial crime analyst, retail phone banker, and sorter operator/coordinator at Wells Fargo Bank and Wachovia Bank.
Rami Bahroun has over 8 years of experience in the banking industry. He holds a Bachelor's Degree in Commerce with a major in Accounting and is fluent in English, French, and Arabic. Currently, he works as a Senior Credit Control Officer at CIBC in Montreal, where his responsibilities include verifying loan documentation, reviewing security documents, analyzing issues, and ensuring compliance. Previously, he held credit and operations roles at Barclays Bank and worked in retail operations and sales at various companies in Saudi Arabia, Egypt, and Canada.
Jerry McGee has over 9 years of experience in the financial industry, including experience reviewing loans for the Home Affordable Modification Program and as a loan counselor, underwriting specialist, and loan specialist. He has also worked in property claims, clinical labs delivery, quality assurance, and various roles at Bank of America and Countrywide Financial Corporation focused on loan servicing, collections, loss mitigation, and short sales.
- Onjenice Brunson is an experienced Loan Management Professional seeking a new opportunity, with skills in high-volume, fast-paced environments developed through positions at Wells Fargo, Chase, and American Express
- Brunson has over 10 years of experience in loan servicing, collections, loss mitigation, and customer service, including managing teams of over 20 employees
- Education includes an Associate's degree in Fashion Merchandising from Bauder College
Trudy York has over 29 years of experience in various roles within the mortgage industry, including management, underwriting, processing, quality control, and compliance. She is currently the Purchase Clearing, Shipping, Final Documents and Insuring Manager at Citywide Home Loans, where she manages teams and pipelines to ensure timely loan shipping and clearing. Prior to this role, she held positions as a QC Manager, Mortgage Underwriter, and Operations Manager at several other mortgage companies. She has extensive experience underwriting and processing FHA, VA, FNMA, FHLMC, and portfolio loans.
Roberta Allen has over 20 years of experience managing fraud operations and projects in the banking and financial services industries. She has a proven track record of reducing costs through process improvements and staff restructuring initiatives. Allen is skilled in project management, process optimization, and developing policies and procedures to ensure regulatory compliance.
This document provides a summary and professional experience of Soniya Lateka Lewis. She has over 10 years of experience analyzing data in the default mortgage industry and 2 years in sales and order entry. Her experience includes conducting loan level reviews to ensure compliance, submitting claims for reimbursement, performing general ledgers, and maintaining high quality audits. She also has experience in customer service, account management, and reviewing legal documents. Her professional experience includes roles as a support analyst, loan servicing specialist, and bankruptcy specialist.
Merrell Fleming has over 31 years of experience in various industries including banking, insurance, office furniture, product manufacturing, and accounting. She has a proven track record of streamlining processes, improving productivity and customer satisfaction. Fleming is skilled in areas such as project management, data analysis, problem solving, and software proficiency.
James A. Roberts is seeking a leadership position where he can apply his problem-solving and management skills. He has over 10 years of experience in the financial services industry, holding roles such as a Consumer Solutions Representative, Investor Accounting Representative, and Mortgage Processor. His experience includes client relations, complaint resolution, accounting, and loan processing. He has strong communication, research, and analytical skills.
William P. Madison has over 10 years of experience in the auto finance collections industry, currently working as a Collector III for Wells Fargo Dealer Services in Atlanta. Prior to that he held several leadership roles at TD Auto Finance in Jacksonville, including Specialized Collections Manager, Team Manager for pre-charge off accounts, and positions in post-charge off strategy, repossessions, loss mitigation and high risk collections. He has a proven track record of successfully managing teams, meeting performance targets, and resolving complex accounts. Madison holds an Associate of Arts degree from Florida State College of Jacksonville.
J. Matthew Hall has over 10 years of experience in commercial mortgage analytics and asset management. He is currently an Analytical Consultant at Wells Fargo, where he manages a portfolio of over 1,600 commercial loans totaling $1.6 billion. Prior to this role, Hall held several positions at Wells Fargo including Commercial Mortgage Asset Manager and Client Solutions Analyst. He has a Bachelor's degree in Marketing and Communication from Ohio University.
Juliana Bacchus has over 20 years of experience in credit and collections roles. She has worked for many major entertainment and technology companies, including Warner Bros., Disney, and Technicolor. Her experience includes building credit departments, implementing software upgrades, reducing past due accounts, and delivering measurable results. She has strong skills in credit analysis, account reconciliation, and developing relationships with customers, management and coworkers.
This document contains guidelines for professional accountants regarding potential threats to independence and appropriate safeguards. It discusses legal services, recruiting services, and corporate finance services that may be provided to an audit client. For legal services related to executing transactions, the significance of any threats depends on factors like the nature of the service and whether audit team members are involved. Safeguards like using non-audit team members may be applied. Acting as an advocate in material disputes creates unacceptable threats. For recruiting services, the firm cannot assume management roles or make hiring decisions. Corporate finance services can create advocacy and self-review threats, which safeguards like using non-audit team members must address.
This document provides a summary of Reeboy C. Derilon's professional experience and qualifications. It outlines over 6 years of experience in accounting, project controllership, supply chain management, and ERP systems. Key roles included coordinator for IBM's Maximo Asset Management system and assistant project controller for construction projects. Derilon also has experience in financial reporting, budgeting, cost control, procurement, and inventory management. Educational background includes a Bachelor's degree in Accountancy and certification as a CPA.
This document discusses Lean and Six Sigma quality improvement methodologies used in healthcare. It explains that Lean focuses on eliminating waste using tools like 5S and value stream mapping. Six Sigma aims for near-perfect processes by reducing defects to 3.4 per million opportunities through the DMAIC methodology of define, measure, analyze, improve, and control. The document provides examples of different types of waste in healthcare like unnecessary motion, waiting, and overproduction. It emphasizes that adopting Lean thinking can help improve patient safety, satisfaction, productivity and other goals by standardizing processes and eliminating waste.
Basic concept of quality final by DR.MUSHTAQ.A.KHOSAMushtaq Khosa
The document discusses the concepts and principles of total quality management (TQM). It defines quality, outlines the primary elements and roles in TQM including leadership, management, and staff. It also discusses dimensions of quality, quality improvement tools like PDCA cycles, obstacles to implementing TQM, and the benefits of TQM including continuous improvement, reduced waste, and increased motivation. The overall document provides an introduction and overview of the key concepts related to TQM.
Mark Graban Mass. Lean Healthcare GroupMark Graban
The Massachusetts Hospital Lean Network is a collaboration between the Lean Enterprise Institute (LEI) and healthcare organizations to improve quality, safety, and staff engagement using lean principles. The network shares best practices around staff involvement in continuous improvement, error prevention systems and processes, and the role of leadership in strategy deployment. Members meet to discuss their lean transformations and challenges. Data shows lean approaches can significantly reduce errors and infections while improving staff satisfaction.
Bridget Mallet has over 15 years of experience in finance and customer service roles. She has a track record of strong leadership, problem solving skills, and the ability to train new employees. Her technical skills include proficiency in MS Office, loan origination and servicing software, and communication platforms. Currently she works as a Settlement Operations Associate at Freddie Mac where she handles customer setups and certifications.
Experienced Compliance Specialist with a demonstrated history of working in the mortgage industry. Skilled in Mortgage post-closing and compliance, Mortgage Lending, and Shipping. A strong mortgage professional with more than 15 years of experience in this industry.
Tamara M. Brocius has over 15 years of experience in banking, mortgage lending, and debt collections. She has extensive experience ensuring compliance with regulations such as OFAC, AML, KYC, and FDCPA. Her background includes roles in credit analysis, loan processing, underwriting, quality assurance, and document management.
Adam Barber is seeking a position that utilizes his over three years of experience in real estate transactions. He has proven abilities in multi-tasking, teamwork, maintaining document integrity, scheduling, and adapting to new processes. His professional experience includes roles at Prospect Mortgage as an Investor Deficiency Associate and Data Integrity Specialist, where he ensured loan conditions were cleared on time, performed audits to validate compliance, and resolved loan errors.
Denise Kelly is seeking a position that utilizes her 15 years of experience in collections, loss mitigation, foreclosure, quality control, negotiating, and bankruptcy. She has strong communication, research, problem solving, and negotiation skills. Her previous roles include positions at JP Morgan Chase as a Bankruptcy Specialist and Foreclosure Specialist, and at Ally Financial as a Loss Mitigation Specialist.
Joy Lin Fong has over 30 years of experience in banking and financial services. She currently works as a Fraud Detection Specialist at HSBC Bank Canada, where she investigates fraud alerts and manages case files. Prior to this, she held various roles at HSBC including Operations Assistant, Underwriter, and Mortgage Analyst. Fong has strong administrative, analytical, and customer service skills and is proficient in Microsoft Office, Cognos, and banking systems. She aims to contribute her expertise, reliability, and team-oriented approach to furthering an organization's success.
Maria Giron has over 15 years of experience in mortgage lending and customer service. She has extensive knowledge of various mortgage loan programs and guidelines. Her skills include processing loans, customer service, attention to detail, and proficiency in various mortgage industry software programs and guidelines. She is bilingual and has experience in areas such as underwriting, foreclosure processing, and loan modifications.
Morgan Larche is an experienced mortgage associate seeking a position as an escrow analyst. She has over 10 years of experience in mortgage servicing, escrow analysis, and customer service. Her background includes roles as an escrow analyst, senior escrow analyst, customer care representative, foreclosure specialist, and escrow assistant. She is proficient in various mortgage servicing software programs and is skilled in problem solving, process improvement, and providing excellent customer service.
Morgan Larche is an experienced mortgage associate seeking a position as an escrow analyst. She has over 10 years of experience in mortgage servicing, escrow analysis, and customer service. Her background includes roles as an escrow analyst, senior escrow analyst, customer care representative, foreclosure specialist, and escrow assistant. She is proficient in various mortgage servicing software programs and is skilled in problem solving, process improvement, and providing excellent customer service.
This document provides a resume for Bakri B. Ali, who has over 8 years of experience in the mortgage and credit industries, including positions as a loan processor, collections agent, and mortgage loan specialist. The resume lists his contact information, qualifications including analytical skills and decision making experience, computer skills, education, and offers to provide references. It details his responsibilities and accomplishments in previous roles processing, underwriting, and closing mortgage loans.
This document provides a summary of Deepakraj Devaraj's work experience and achievements. Some of his key responsibilities and achievements include successfully migrating securities finance processes from London to Chennai, being a single point of contact for process queries, creating documentation and training new employees, and ensuring payments and charges are processed efficiently. He has extensive experience gathering requirements, communicating with management, and ensuring compliance. Deepakraj has expertise in process migration and is proficient in various applications related to securities finance, cash operations, and trade support.
Steve Favacchia has over 30 years of experience in operations leadership for financial institutions, providing solutions to increase efficiency, accuracy, and compliance. As Vice President of Operations, he developed highly functioning teams and reduced expenses by $2.5 million. His areas of expertise include product implementation, vendor management, risk assessment, and contract negotiation. Currently he provides procurement support and administrative assistance for the $1 billion acquisition division of the Federal Protective Service.
Nancy Claibourn has over 15 years of experience as a mortgage loan processor and asset manager. She has processed conventional, FHA, and VA loans and is knowledgeable about FNMA and FHLMC guidelines. Her most recent role was as a loan processor at Caliber Home Loans where she processed loans, obtained documentation, and coordinated with underwriting. Prior to that, she held similar processing roles at several banks and mortgage companies.
Caroline Evans Resume of Employment HistoryCaroline Evans
My resume of employment explains every professional facet I accomplished over my years, I am currently looking to expand my career within the Financial and Real Estate industry.
Shanna Suhsen has over 20 years of leadership and management experience, including 15 years in the mortgage industry. She currently works as a Compliance Director for Ditech Financial, where she oversees compliance monitoring and testing. Prior to this, she held various roles such as a processing supervisor and operations assistant. She has extensive knowledge of mortgage compliance regulations and a proven track record of problem solving and relationship building.
This summary provides an overview of Sheri Sponagle's background and experience in banking and mortgage loan processing. She has over 15 years of experience in default operations, loss mitigation, and foreclosure with Santander Bank, including creating efficient processes, reporting, and checklists. Prior to that, she worked as a mortgage loan officer and processor for several companies. She has a paralegal certificate and experience working in various legal roles preparing documents and assisting clients.
Kathleen Montes is seeking a position offering advancement and growth. She has over 15 years of experience in mortgage lending and loan servicing. Her skills include being bilingual, proficient in loan origination systems, strong communication abilities, and experience in roles such as loan officer support, loan processing, underwriting, and loan servicing/collections. She holds an NMLS license and notary public certification. Her objective is to obtain a stable position utilizing her experience in areas such as loan origination, underwriting, processing, and servicing.
Loretta Burgess is a mortgage banking professional with over 9 years of experience in financial analysis, tax preparation, and customer service. She has extensive experience in mortgage loan processes, client management, and financial analysis. Burgess has worked at JP Morgan Chase, Liberty Tax Services, ADT Security Services, Convergys, and the IRS, demonstrating skills in areas such as mortgage underwriting, tax preparation, customer assistance, and collections. She is proficient in various mortgage banking and office software systems.
Well it is a new year and new opportunities have been presented. I like to stay current in my learning and my career path. 15+ years learning almost all there is to know about the mortgage servicing. I love to learn so lets get started in 2016.
Jennifer Glassburner has over 30 years of experience in the mortgage banking industry, including 20 years of managing operational and production staff. She has expertise in areas such as post closing, loan delivery, investor resolution, servicing, funding, and document control. Glassburner currently works as the Manager of Post Closing at New American Funding, where she oversees 40 employees and ensures compliance with regulations such as TRID and RESPA. Previously, she was the Manager of Investor Resolution and Servicing at Discover Home Loans for over 10 years.
BEST FARMLAND FOR SALE | FARM PLOTS NEAR BANGALORE | KANAKAPURA | CHICKKABALP...knox groups real estate
welcome to knox groups real estate company in Bangalore. best farm land for sale near Bangalore and madhugiri . Managed farmland near Kanakapura and Chickkabalapur get know more details about the projects .Knox groups is a leading real estate company dedicated to helping individuals and businesses navigate the dynamic real estate market. With our extensive knowledge, experience, and commitment to excellence, we deliver exceptional results for our clients. Discover the perfect foundation for your agricultural aspirations with KNOX Groups' prime farm lands. These aren't just plots; they're the fertile grounds where vibrant crops flourish, livestock thrives, and unique agricultural ventures come to life. At KNOX, we go beyond selling land we curate sustainable ecosystems, ensuring that your journey toward agricultural success is seamless and prosperous.
AVRUPA KONUTLARI ESENTEPE - ENGLISH - Listing TurkeyListing Turkey
Looking for a new home in Istanbul? Look no further than Avrupa Konutlari Esentepe! Our beautifully designed homes provide the perfect blend of luxury and comfort, making them the perfect choice for anyone looking for a high-quality home in the city.
With a wide range of apartment types available, from 1+1 to 4+1, we have something to suit every need and budget. Each apartment is designed with attention to detail and features spacious and bright living areas, making them the perfect place to relax and unwind after a long day.
One of the things that sets Avrupa Konutlari Esentepe apart from other developments is our focus on creating a community that is both comfortable and convenient. Our homes are surrounded by lush green spaces, perfect for enjoying a peaceful stroll or having a picnic with friends and family. Additionally, our complex includes a variety of social and recreational amenities, such as swimming pools, sports fields, and playgrounds, making it easy for residents to stay active and socialize with their neighbors.
https://listingturkey.com/property/avrupa-konutlari-esentepe/
Recent Trends Fueling The Surge in Farmhouse Demand in IndiaFarmland Bazaar
Embarking on the journey to acquire a farmhouse for sale is just the beginning; the real investment lies in crafting an environment that contributes to our mental and physical well-being while satisfying the soul. At Farmlandbazaar.com, India’s leading online marketplace dedicated to farm land, farmhouses, and agricultural lands, we understand the importance of transforming a humble farmland into a warm and inviting sanctuary. Let's explore the fundamental aspects that can elevate your farmhouse into a tranquil haven.
If you're Planning to Build a House in Haldwani, Understanding the House Construction Cost in Haldwani is crucial. It's important to grasp the direct and indirect cost factors entailed in the Construction process before Initiating any work. This Understanding is pivotal for Efficient Budget allocation, allowing you to plan your finances more Effectively. Construction expenses can vary Significantly, Influenced by Diverse Elements such as site Location, raw material prices, Labour charges, and various other variables. Here at Geomatrix, we pride Ourselves on offering competitive rates for house construction in Haldwani, ensuring affordability without Compromising on quality and providing the best options within your budget. For a precise evaluation of the cost involved in constructing your dream home, consult our team of architects and construction experts.
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The KA Housing - Catalogue - Listing TurkeyListing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
https://listingturkey.com/property/the-ka-housing/
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Sense Levent Kagithane Catalog - Listing TurkeyListing Turkey
Sense Levent offers a luxurious living experience in the heart of Istanbul’s vibrant Levent district.
This cutting-edge development seamlessly integrates modern design with natural elements, featuring live evergreen plants maintained by an advanced irrigation system, ensuring lush greenery year-round.
The building’s elegant ceramic balconies are both stylish and durable, enhancing the overall aesthetic and functionality. Residents can enjoy the 700m Sky Lounge, which provides breathtaking views of Istanbul and a perfect space to relax and unwind.
Sense Levent promotes a healthy and active lifestyle with a full gym, swimming pool, sauna, and steam room, all available in the building. The interiors are crafted with high-quality materials, ensuring a luxurious and inviting living space.
Designed with young professionals in mind, Sense Levent features 1+1 and 2+1 units with smart floor plans and balconies. The project promises high investment returns, with an expected annual return of 6.5-7%, significantly above Istanbul’s average ROI.
Located in the rapidly growing and highly desirable Levent area, the development benefits from ongoing urban regeneration projects. Its prime location offers proximity to shopping malls, municipal buildings, universities, and public transportation, adding immense value to your investment.
Early investors can take advantage of discounted units during the construction phase, with an expected capital appreciation of +45% USD upon completion. Property Turkey provides comprehensive rental management services, ensuring a seamless and profitable investment experience.
Additionally, robust legal support and significant tax advantages are available through Property Turkey’s licensed Real Estate Investment Fund. Levent is a dynamic urban hub, ideal for young professionals with its numerous corporate headquarters and shopping malls.
Sense Levent is more than just a residence; it’s a place where dreams and opportunities come to life. Contact us today to secure your place in this exclusive development and experience the best of Istanbul living. Sense Levent: Sense the Opportunity. Live the Dream.
https://listingturkey.com/property/sense-levent/
Discover Yeni Eyup Evleri 2, nestled among the rising values of Eyupsultan, offering the epitome of modern living in Istanbul.
With its spacious living areas, contemporary architecture, and meticulous details, Yeni Eyup Evleri 2 is poised to be the star of your happiest moments. Situated in the new favorite district of Eyupsultan, claim your spot and unlock the doors to a peaceful life alongside your loved ones. Nestled next to the historical and natural beauties of Eyupsultan, embrace the comfort of modern living and rediscover life.
Social Amenities:
Yeni Eyup 2 offers a life filled with joy with its green landscaping areas, gym, sauna, children’s play areas, café, outdoor pool, and basketball court. Reserve your place for unforgettable moments!
Reliable Structure:
With 1+1, 2+1, and 3+1 apartment options, Yeni Eyup Evleri 2 is designed with first-class materials and craftsmanship. The doors to a safe and comfortable life are here! Choose the option that suits you best and step into your dream home.
Project:
Yeni Eyup 2 is conveniently located, with Istanbul Airport just 26 minutes away, the Mecidiyeköy Metro Line 4 minutes away, and the Tram Stop 5 minutes away, making your life easier with its central location.
Location:
Your home is positioned in a privileged location, providing easy access to the city center, shopping malls, restaurants, schools, and other important places.
Yeni Eyup 2 offers 1+1, 2+1, and 3+1 apartment options designed to meet different needs. Find an option suitable for every lifestyle and open the doors to a comfortable life in your dream home.
https://listingturkey.com/property/yeni-eyup-evleri-2/
Serviced Apartment Ho Chi Minh For RentalGVRenting
GVRenting is the leading rental real estate company in Vietnam. We help you to find a serviced apartment for rent in Ho Chi Minh & Saigon. Discover our broad range of rental properties in Vietnam.
For more details https://gvrenting.com/
At Geomatrix, we Pride Ourselves on our Commitment to Superior Craftsmanship and client satisfaction. Our team Consists of Highly Qualified specialists including Architects, Engineers, project Managers, and skilled labourers who work seamlessly together to achieve ourclients' Objectives. Geomatrix is recognized as the Best Construction Company in Haldwani, Dedicated to bringing visions to life with unparalleled Expertise and Professionalism.
For more information visit:
https://geomatrix.co.in/
1. Debra Denise Kirvin
Debkirvin@yahoo.com
214-207-6205 Voicemail
Summary
Over 15 years in the Mortgage Industry with proven experience in high volume claims processing, loss
mitigation, closings, bankruptcy, foreclosure, and fraud and risk assessment. A leader with strong
analytical skills, effective strategic planning, and credit analysis, the ability to function efficiently in
multi-task environments, and make positive productive decisions.
Education:
Bachelor Degree
Business Management
Experience
Government Third Party Claims Portfolio Credit Manager
Fannie Mae, JULY 2013 to Present
•Oversee activities related to the Servicers billing, collections and oversights for 571 claims processing
and report any findings to responsible management to ensure contractual Service Level Agreements
(SLAs) are measured and monitored.
•These activities include but are not limited to: vendor performance issues, escalation to the Servicers
Portfolio Managers and upper management, trending errors to find ways to correct the claim filing
issues and any billing rebuttals received from the Servicers.
•Develop and implement processes that identify gaps, risks and anomalies including but not limited to:
data reporting and trending, detailed claim reviews and analysis, and escalation to upper management
or the appropriate business units.
•Work close with teammates in preparation of reviews, related to internal audit and external oversight
to include data requests, inquiry responses to issues we’ve identify and work to resolve.
•Ensure business unit and third party outsource vendors adhere to established procedures and internal
controls, set in place by Fannie Mae.
•Work with team members to identify new strategies and solutions to continue to improve our overall
business and operating model in with the Government Third Party Claims area.
•Facilitate conference calls with Portfolio Managers and the Servicers key contacts, to help them to
better understand, the Third Party Claim billings and 571 Claims reimbursement process.
•Reconcile the sale proceeds Fannie Mae receives, after the property has liquidated to ensure, Fannie
Mae was made whole at the time of the sale. If a loss is identified, the Servicer is giving a breakdown of
the reconciliation and billed for the loss.
Confidential - Internal Distribution
2. QC Foreclosure File Reviewer, Clayton Services FEB 2012 – JULY 2013
Responsibilities:
• Perform remote servicer audits of foreclosure and bankruptcy documents, affidavits and pleadings to
ensure documents and default-related charges are in compliance based on servicer's system and
Consent Order requirements.
• Communicate all findings to management, partner closely with appointed client staff.
• Review any potential compliance violations while remaining up-to-date on any legislative changes
affecting the servicing of the loan accounts.
• Review foreclosure and bankruptcy documents, including affidavits of indebtedness for accuracy of
information.
• Understanding of the Foreclosure and Bankruptcy process as well as, conducting audits of affidavits.
• Analyze servicer actions using proprietary risk management software and the servicer-provided
documentation; make recommendations on loans reviewed.
• Knowledge of foreclosure documents and legal requirements in filing documents.
• Understanding of Federal and State compliance laws in both judicial and non-judicial jurisdictions.
• Coordinate with Team Lead and/or Servicer to obtain any documentation necessary to complete audit.
• Prepare reports based on audit results and communicate findings to Management.
• Partner with department Managers to ensure Client expectations were satisfied.
• Ability to work or have understanding of servicing platforms utilized by Client, including any ancillary
system(s) such as Fidelity, Foreclosure Processing Systems, LPS Desktop, Vendor Scape, MERS etc.
• Review Client's policies and procedures to ensure current servicing practices meet all appropriate
State/Federal/Investor guidelines and identify any areas in which improvement is needed.
• Basic understanding of the Consent Order.
Fraud Analyst (Repurchases Validated) I-Cap Mortgage Fraud ServicesSEP 2011 – FEB 2012
Responsibilities:
• Verify presence, accuracy, and completeness of credit, appraisal, and income and asset
documentation in addition to legal and regulatory compliance documents. Analyze and interpret such
documents.
• Identify excessive risk, fraud or misrepresentation in a mortgage loan transaction comparing critical
documents and using third party resources.
• Re-verify VOE, VOD, VOM, the HUDS for the money to close, seller concession, SSN & I-9 Borrowers
and arms length transaction
• Exhibit flexibility to underwrite and evaluate compliance to seller and servicer guidelines.
• Recognize credit exceptions and if appropriate list compensating factors that mitigate risk.
• Comprehensive understanding of Federal, state and local compliance regulations.
Compensatory Fee Analyst, Fannie Mae, APR 2011 - SEP 2011
Responsibilities:
• Responsible for managing compensatory fee assessments and rebuttals received from Servicers.
• Review & respond to Servicers rebuttals, perform a detailed research and analyze data necessary to
render a decision.
• Explain the methodology use to assess the Comp Fees for Dec 2010, Jan-Nov 2010 and 2011 to
Servicers.
• Responsible for sorting and identifying the documents received from servicers as a suitable FNMA
exception, to support the rebuttals. I.e. Attorney Chronologies, Court Docs or any FNMA approved email
that was not available in FNMA system of record.
Confidential - Internal Distribution
3. • Identify stop and starts within the foreclosure process (Servicers Holds, Loss Mit, Short Sale reviews,
Charge Off reviews, HAMP reviews, BK, Probate or Military holds) to ensure all the delinquency statuses
were correctly reported in DARTS & TRAX and implement process improvements as needed.
• Build and improve internal customer relationships, provide training when necessary.
• Review processes and procedures for new and existing initiatives.
• Maintain and/or update current processes, policies, and procedures.
• Perform complex projects and participate as a team member on highly complex projects.
• Supports the tracking of assessments Fees, collections, and rebuttals as needed and all day to day
functions.
Default Claims Specialist (Freddie Mac & Fannie Mae), Saxon Mortgage, JUN 2009 – FEB 2011
Responsibilities:
• Responsible for maintaining FHLMC & FNMA Reimbursement Default Claims Portfolio and the
purchase ledger function and ensuring the payment of all 104SF and 571 invoices and expense claims.
• All the Taxes, Property Insurance, HOA, Property Preservation, Bankruptcy, and Attorney fees
associated with the defaulted property.
• Responsibilities typically include pulling daily reports, filing daily defaulted expense claims REO, Non
REO. Initial, Supplemental, Final, Short Sale and 3rd party claims, on the FHLMC & FNMA online
Reimbursement system.
• Daily contacts with Designated or RAN Counsel to ensure all invoices were uploading and all DC’s filed
on the online system in a payable timeframe.
• Used FHLMC new online system that rolled out in Oct 2010 as well as FNMA 571
• Provides resolutions to an assortment of problems encounter from time to time, while working the
expense Mailbox, used to communicate with FHLMC & FNMA for all question concerning claims status.
• Work very closed with the Foreclosure and Bankruptcy Department to managed deadlines, i.e.
Foreclosure sale dates, and any releases from Bankruptcy or new loans moved to Bankruptcy.
• Worked close with the Loss Mitt Dept, managing loans with modification possibility approved or
declined for the HAMP program
• Packaging the forms to mail to borrower to be considered for the HAMP and setting up the file when
docs returned for the Loss Mitigation Processor.
Default Liquidation Specialist, Saxon Mortgage, FEB 2009 – JUN 2009
Responsibilities:
• Receipt and process incoming wire’s and sale proceeds checks, entering required system data fields to
maintain accurate reporting within 1 business day of receipt of Liquidation/ loss report.
• Reconcile/balance foreclosure third party proceeds with bidding instructions.
• Accuracy and timeliness of submitting initial and supplemental claims to investors and MI Companies
in accordance with their guidelines, for the Claims and MI report.
• Identification of what is not recoverable from the investor and submit write-off forms for approval
from the appropriate department manager.
• Claims and MI report.
• Assist in reconciling the > 60 days claims for the general ledger claims.
• Assist claims manager with special projects as requested and assist in helping to identify internal
process improvements.
Supervisor (Freddie Mac Consultant-QA Default Claims) First American Corporation, SEP 2007 – FEB
2009
Confidential - Internal Distribution
4. Responsibilities:
• Manage the entire Freddie Mac Reimbursement Portfolio of claims submitted online and by mail by all
of FHLMC users and Servicers.
• Manage and maintain the 104 Expense Mailbox used by all FHLMC users with questions on claims
status and payments and adjusts of claims.
• Ensure that all claims are filed and processed within the Freddie Mac guidelines payable timeframe.
• Pulled daily reports from 104SF Reimbursement system, Work flow was assigned to all processor each
day.
• Recommend enhancements to strengthen the company’s ability to service the clients more efficiency.
Closing/Funding Manager (Wholesales & Retail) First Consolidated Mortgage Company, MAR 2006 –
FEB 2007
Responsibilities:
• Pre-funding audit investigate to identify and detect misrepresentation, and monitor overall risk
exposure to company
• Perform QC on Loan files prior to Drawing Closing Documents.
• Inputting the information into Data Track and exporting the information into MRG to Draw Closing
Documents.
• Request wires from the Lending Warehouse Bank.
• Approve HUD's for Closing and Balance HUD's after Closing with checks received from Title.
• Ship Original Collateral to Warehouse Bank and register the MIN# online with the MERS registration
Quality Control Manager (Wholesales & Retail) First Consolidated Mortgage Company, SEP 2005 –
MAR 2006
Responsibilities:
• Sample, monitoring and conducting internal reviews of the company for Compliance with Federal,
State and local Laws
• Interfacing with Management to ensure Employees receive additional Training, to identify Mortgage
FRAUD and High Credit Risk Borrowers
• Recommending Improvements and changes to internal controls and systems, and ensuring that
necessary changes are being properly implemented in loan servicing
Confidential - Internal Distribution