Joe Campoamor is seeking a position using his business skills. He has over 7 years of experience in commercial and residential loan servicing, collections, and accounting. His background includes researching and reconciling loan payments, generating reports, and ensuring payment accuracy. He also has experience in property tax payment processing and locating borrowers. Campoamor received a B.S. in Business with a focus on Finance and Economics from the University of South Florida.
Specializing in alternative financing for non-bankable commercial transactions throughout the United States.Developmental stage companies.
Hard Money – With Reasonable Rates
Clients we have helped in the past:
*Companies with historical and/or current losses
*Companies with negative net worth or tax liens
*Companies in Chapter 11, healthy companies that need a more aggressive lender who will provide a larger credit facility, and companies where the principals have poor credit
*Individuals who have poor credit or limited capital to make an acquisition of a commercial property or operating business
Specializing in alternative financing for non-bankable commercial transactions throughout the United States.Developmental stage companies.
Hard Money – With Reasonable Rates
Clients we have helped in the past:
*Companies with historical and/or current losses
*Companies with negative net worth or tax liens
*Companies in Chapter 11, healthy companies that need a more aggressive lender who will provide a larger credit facility, and companies where the principals have poor credit
*Individuals who have poor credit or limited capital to make an acquisition of a commercial property or operating business
Analytical and skilled Financial Professional with a solid and progressive career providing core support financial functions to organizations.
Expertise in the analysis of financial data, tracking financial performance, operational reporting, and data control.
Adept at compiling and analyzing financial information, generating financial reports and documents, leading teams, and providing exceptional customer service.
Ability to analyze, draft, and process contract lease agreements.
Skilled at interpreting, applying, explaining, and ensuring full compliance with complex rules, regulations, and ordinances.
Recognized for evaluating general and financial accounting practices and procedures for efficiency, effectiveness, and accurateness and resolve procedure deficiencies.
Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs. Diligent, detail-oriented and thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing.
1. Joe M. Campoamor III
142 Butler Road
Brandon, Florida 33511
813.727.1760 – cell
22 years old
jcampoamor@Objective: mail.usf.edu
To obtain gainful employment and further develop and use my business skills as I progress in a professional business
environment.
Work History:
July 2010- Present Quantum Servicing Corporation- Rialto Capital LLC Tampa, FL
Commercial Investor Accounting Specialist:
Research, analyze and reconcile prior day postings to ensure all money moved to proper accounts within the company and
wires are properly sent.
· Compare the posting system’s record of payment, LMS, with the General Ledger to ensure no money is discredited.
· Allocate all Principal and Interest funds into an account while also allocating all ancillary fees into a separate account
with accuracy.
· Analyze each payment with the proper investor code to ensure the wire to each investor is accurate.
· Generate wire forms for transfer of payment from accounts within the company when there is movement of funds.
· Reconcile monthly reports to ensure they tie back to the daily funds moved.
· Generate monthly remittance reports broken down per investor to reflect accurate movement of funds in each investor
code.
· Work with InfoSys to analyze each transaction and ensure accuracy when the data is ran for proper reflection in
RCAMs, The clients system of record.
· Work closely with Rialto’s Treasury department to make sure daily movement of funds match on a daily basis.
Commercial Year End Reporting Analyst:
Analyze and reconcile year end reporting documents such as 1098, 1099, 1099C, and 1099 Miscellaneous to ensure accuracy
before sent to borrower.
· Post a Payment in Kind to loans as determined by fair market value or credit bid from foreclosure sale.
· Analyze and ensure loan balances are correct so Year End tax forms are accurate.
· Use Convey tax research tool to research, change and compare tax documents.
· Work with Loan Managers to analyze and determine the proper posting of the Payment in Kind.
· Use payoff calculations to determine proper allocation of the credit bid or Fair Market Value on the loan.
· Post a Payment in Kind by way of posting to Principal or per the Waterfall.
· Charge off loans that have a forgiveness of debt agreed upon.
Commercial Cash Processing Specialist:
Receive and post checks, wires and other various methods of payment to proper commercial and residential loan accounts.
· Post checks to current residential and commercial accounts
· Post checks to delinquent and matured commercial accounts.
· Post checks to active and discharged Bankruptcy residential and commercial accounts.
· Post checks to deficiency balance and REO commercial accounts.
· Post paid in full amounts to commercial loans to fully satisfy or charge off debt.
· Research loan documents and original Notes to obtain waterfall and loan terms for posting.
· Balance daily cash flows and overnight processing.
· Log new checks into the company's system to disperse checks to other processing specialists.
· Post insurance surplus checks back to accounts for dispersal.
· Obtain a loan history and reconcile the principal balance to match the payoff calculations before a payoff is made.
Residential Tax Specialist:
Collect, sort, analyze and disburse tax payments for residential loans to prevent default of taxes.
· Contact tax offices to determine current and past payment records for loans that are serviced by Quantum.
· Mail out disbursements that were due for loans being serviced.
· Update current tax lien information for loans that were delinquent on taxes for that year or prior years.
· Communicate with the investor on whether to mail out a tax disbursement on a delinquent property.
2. · Worked special projects as assigned.
Residential Loan Skip Tracer:
Locate and obtain the borrower’s current contact information and enable a dialogue or correspondence that promotes the ability
to resolve the default.
· Use search resources to obtain valid phone numbers and addresses.
· Obtain or update new demographics, lien and employment information.
· Gather the intent of the borrower towards the asset.
· In case of no contact, use a third party contractor to go to home and make contact with the borrower.
· Strictly comply with the Fair Debt Collection Practices Act (FDCPA) in all daily activities.
Residential Loan Collections Specialist:
Contact delinquent borrowers to identify the reason for delinquency, willingness and ability to repay their debts and obtain a
solution to cure default.
· Set up short term repayment plans with borrowers.
· Updated all communications with the borrower as it relates to the expectations for a payment, next call, or other
course of action.
· Used systems provided letters, or generate impromptu letters based on borrower’s circumstances or collection
strategy.
· Ensured full compliance with FDCPA relating to collection calls and letters and all collection activity.
· Made welcome calls as necessary and participate in all collection calling campaigns established by management.
· Identified early loss mitigation and forward to loss mitigation personnel as directed by management.
· Worked special projects as assigned.
January 2008-2010 Triangle Umpires Association Brandon, FL
Umpire - Independent Contractor:
· Baseball Umpire for various organized youth leagues. Umpired games for players in age divisions 9 through 16 for
various leagues which included Little League baseball, Junior and Senior league baseball, AAU, and USSSA.
· Managed the field of play. Quick and decisive in difficult situations. Dealt with managers, coaches and league
officials to ensure a fair, organized and equitable game.
· Marketed myself to independent leagues and teams to gain employment opportunities, including negotiation of fees,
scheduling and availability.
· Obtained time management skills. Maximized my earning potential by scheduling around a rigorous High School and
athletic schedule.
June-August 2008,2009 Integrity First Title Riverview, FL
Office Assistant:
· Answered phone calls, copied documents, prepared file folders, and various office tasks
· Organized and filed checks for post closing auditing
· Packaged, documented, and shipped closed files to offsite storage center
· Assisted office personnel in the preparation of closing packages
· Used various office equipment and software including Microsoft Office products, multi line phone system, copy, scan,
and facsimile equipment.
Education:
3. 2010-2013 University of South Florida Tampa, FL
Bachelors of Science in Business with a Major in Finance and a Minor in Economics
3.01 GPA
Associations & Activities :
JV head baseball coach at Bloomingdale High School
Varsity Softball Assistant Head Coach at Bloomingdale High School
Phi Sigma Theta National Honors Society
References:
Kim Ambrosino
Position: Chief Financial Officer
Integrity First Title
1814 Winn Arthur Drive
Valrico, Florida 33594
(813) 477-1354
Neil Dyson
Position: CRE Portfolio Manager
Rialto Capital - Quantum Servicing
6302 E. MLK Blvd.
Tampa, Fl 33619
(813) 333-7620
Curtis Rethwisch
Position: Sr. Vice President
Specialized Loan Servicing
8742 Lucent Blvd., Suite 300
Highlands Ranch, CO 80129-2386
(720) 355-6597