Experience

Emergency Restoration Xperts (ERX)

• United States
• Construction
• 1 - 100 Employee

• Mitigation Coordinator

  • Mar 2023 - Present



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Senior Escalations Representative

  • Oct 2016 - Sep 2022

  Preside over Project Management duties with the goal of identifying and closing gaps across multiple lines of business. Collaborate with senior leadership regarding severely delinquent loans and select the best course of action in the interest of Wells Fargo to mitigate downside risk. • Identify and document potential risks and engage interested parties in the hope of swift resolution. • Possess experience in reviewing processes, notating areas in need of improvement, and streamlining operations. • Establish and strengthen strong internal and external relationships with the goal of resolving delinquent loans. • Confer with foreclosure law firms to handle escalated issues that may delay the foreclosure process. • Execute operational reviews, utilize holistic research, and recommend associated solutions. • Complete team quality reviews monthly and ensure minimal risk among the team.• Serve on the SWAT/Aged Asset Management Team.• Entrusted to handle complex foreclosure cases involving multiple lenders or interested parties. • Successfully resolved 281 severely delinquent loans with a total UPB of over $72M• Possess experience in reviewing processes, notating areas in need of improvement, and streamlining operations.• Establish and strengthen strong internal and external relationships with the goal of resolving delinquent loans.• Confer with foreclosure law firms to handle escalated issues that may delay the foreclosure process.• Execute operational reviews, utilize holistic research, and recommend associated solutions.• Complete team quality reviews monthly and ensure minimal risk among the team.• Serve on the SWAT/Aged Asset Management Team.• Entrusted to handle complex foreclosure cases involving multiple lenders or interested parties.• Successfully resolved 281 severely delinquent loans with a total UPB of over $72M. Show less

• Quality Assurance Analyst 2

  • Mar 2015 - Oct 2016

  During this time in my career, I assessed processes across various business segments, notated areas in need of improvement, and integrated solutions. I consistently communicated with senior leadership and was commended for my proactive performance in improving operations. I also created and introduced audit controls that reduced risk exposure including call and loan monitoring. Other duties and accomplishments included:• Assessed loans approaching the Statute of Limitations date, determined root cause, and redirected the note through the foreclosure referral process.• Liaised with legal staff and selected the best course of action for extremely delinquent loans.• Reviewed and documented issues that posed risks to Wells Fargo. Proactively sought to resolve these issues in a timely manner.• Entrusted to oversee high priority projects such as non-performing loans and offer recommendations on how to guide the note through the process. Potential remedies included liquidation, foreclosure, charge off or demolition. Show less

• Loan Servicing Specialist 3

  • Jan 2014 - Mar 2015

  While in this position, I collaborated with senior leadership, conduced loan level research, and discovered processes improvements that improved experiences for the bank as well as customers. I was also entrusted with leading training efforts for new and current team members. In addition, I ensured that all employees understood internal and external regulations. Other duties and accomplishments included: • Reviewed and validated Control Reports to ensure assigned loans were moving through the process.• Generated Daily Inventory Reports subsequently assigned to the SCRA Additional Party Team.• Conducted Second Level Reviews for loans previously viewed by EGS team members prior to the distribution of the loans for daily reviews.• Evaluated both individual and team performance, praised positive attributes, and notated areas in need of improvement. Notated information utilized for subsequent hiring, terminations, discipline, and salary actions.• Assessed loans for exceptions including Demand Letters, State Required Letters, Payment Review, FHA Letter Review, BIP Review, SCRA Review, and Additional Collection Calls Reviews.• Checked loans for potential interested parties on behalf of SCRA 3rd Party Review Team. Show less

• Loan Servicing Specialist 3

  • Jan 2012 - Jan 2014

  • Regarded as a Subject Matter Expert (SME) for business projects related to Reverse mortgages pertaining to systematic technology, applications, and performance reporting.• Assessed over 575 document executions monthly surpassing team goals by 150 reviews.• Maintained expansive knowledge regarding California, Washington, and Nevada due diligence state law requirements.

• Home Preservation Specialist 1

  • Jul 2010 - Jan 2012

  • Selected to train, mentor, and coach new and active Home Preservation Specialists in regulatory and operational compliance. Chosen by senior leadership to travel to other Wells Fargo sites and deliver side-by-side training.• Conferred with foreclosure attorneys to obtain fees, process recissions, and facilitate communication with the homeowner or authorized 3rd parties.• Served as the single point of contact for the borrower throughout Loss Mitigation, Foreclosure, and Liquidation processes.• Presided over and maintained a daily pipeline of over 500 loans. Show less

• Loan Servicing Specialist 1

  • Jan 2010 - Jul 2010

  • Monitored NACA new submissions, foreclosure mailboxes, and communication from other housing agencies.• Received and processed modification requests from non-profit organizations including NACA, and ACRON, among others.• Handled foreclosure postponements and oversaw BCS setup and removal programs.