RELEVANT EXPERIENCE AND SKILLS

* 10+ years in the real estate originations, default, management and recovery
* Origination and Loan Management ProcessLicensed loan officer 4
* 5yrs
* Loss mitigation experience 8yrs
* REO and Foreclosure experience 4yrs
* Front end collections to Loss Mitigation (recovery)
* 1st and 2nd lien mortgage REO dispositions and analysis
* Recovery experience ranging from personal loans to secured real estate and HEL
OCExcellent communication skillsDevelopment and implementation of process and pr
oceduresDaily lead and delinquency tracking reports and monthly-quarterly projec
tions
* Management and delegation of staff and team leads to accomplish and exceed mon
thly goalsDevelopment of departments from ground up, hiring, policy procedures,
scheduling, daily tracking criteria and portfolio management for dialers
* Goal Driven and motivated by seeing my team succeed and set the bar for all ot
her teams in our division
Owner/Operator - 2009 to 2010
Computer Cells and Beyond, Bedford, TX
Cellular phone and computer servicing and repair.
Conducted and organized business management and accounting.
Requisitioned Inventory, projections and controlled customer service and relatio
ns.
Texas Loan Officer - 2005 to 2008
Meridias Capital/City Mortgage, Dallas, TX
Meridias Capital (Went under due to market conditions)
Process FHA, VA and Sub-Prime Loans on Purchase, Refinance and Texas Cash-Out Lo
ans
Verify and review employment, bank account information, mortgage and rental veri
fications to ensure the clients qualify for the loan program.
Secure and analyze credit reports and property appraisals to ensure banking and
investor guidelines are met.
Coordinate closings with title companies, sellers, buyers, real estate agents, b
anks and brokers for on time and flawless closing.
Place clients with loan programs to suit their needs and is financially benefici
al
Manage and keep up a pipeline of clients, investors, real estate and financial a
gents to increase unit and dollar production month after month
Submission of legal paperwork to Desktop Underwriting, Loan Prospector and e-Mag
ic
Understand and follow banking and government guidelines along with FDIC policies
and procedures.
Manage and coordinate a 33 touch campaign for clients and lead sources for conti
nued growth and success.
Maintained an average of 1.8 million to 2.5 million in dollar volume month to mo
nth.
Named top producer in our division for 12 out of 21 months with Meridias Capital
.

Loss Mitigation Director and Recovery

Sr. Manager Director of Western RegionCitiFinancial Mortgage Formally Associates
Home Equity Services - 1998 to 2005
CitiFinancial Mortgage, Coppell, TX
Front end collections 0-59 days delinquent-Real Estate 1st Mortgages
Outbound Calls to delinquent customers
Phone payments and Western Union Promise to Pay
Mid Range Collections 60-89 DPD, Pre Foreclosure- Real Estate 1st and 2nd Liens
Responsible for a portfolio of over (250-350avg) default loans.
Workout and resolutions.
Loss Mitigation Specialist 90-FCL-90 DPD till Foreclosure- Real Estate: 1st and
2nd Liens, HELOC, Discharged Ch 7, sensitive and suspended loans(predatory lendi
ng issues), PMO, Branch and Network Loans, No Equity 1st and 2nd liens, Charged
off recovery of company assets and more.
Assigned a portfolio at the beginning of the month with a dollar goal that needs
to be met.
Workout and resolutions most loss mitigation.
Analyze account and determine and initiate appropriate actions; proceed with for
eclosure or charge off loan due to negative equity.
Resolution actions include reinstatements, forbearance, loan modification, short
sale, short refinance; liquidate asset and deed in lieu of foreclosure to save
time and money on a foreclosure if equity is sufficient.
Assist and support the foreclosure department and legal office to ensure timelin
ess of foreclosure time lines and resolution of title issues
Responsible for the follow-up in all fifty (50) states to make sure my company i
s not in danger of losing property to any tax sale
Loss Mitigation Team Leader/S.M.E.
Management of team's daily production and training. Assist in talk off or loss m
itigation resolution.
Loss Mitigation Manager
Sensitive Suspend Department. (predatory lending portfolio)
Discharged Bankruptcies and Charge Off Review.
2nd Lien No Equity Portfolio and 1st Lien Decisions.
Network and branch Accounts.
HELOC
Sr. Manager Director of Western Region
Development of a Recovery Division.

ACCOMPLISHMENTS
Associates Home Equity to CITI Acquisition Team
Subject Matter Expert S.M.E.
Selected To Attend The Chairman's Forum in 2004 - Hollywood, FL, CitiFinancial M
ortgage
Top Producer in Mortgage Originator
Million Dollar Club with Meridias Capital
EXPERIENCE
Microsoft Office: Excel, Power Point, Word, C.A.C.S, MortgageServ, DAVOX, Citrix
, Calyx Point, DAVOX, Desktop Underwriter, D.U., Desktop Originator, D.O., Pivot
Tables, Access, SQL Data Base Tracking, Tracking and Report Building.