EXPERIENCE
"Experience is the teacher of all things."
-Julius Ceasar
As a professional in my field, I’ve had the opportunity to gain valuable experience from the dynamic roles I held in solid companies, throughout the years. Take a look below to learn more about my background and experience.
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NMLS# 2163080
ROYAL TUSCANO REALTY
DIRECTOR OF REAL ESTATE AQUISITIONS
Critical contributor in acquiring investor leads by networking within the industry through meetings, events, and involvement in real estate trade organizations. Drove new business development and acquisition opportunities by cultivating and building trust with C-level executives and key decision-makers.
Helmed property due diligence analysis to include title review, on-site inspection, comps, and repair bids for potential properties for prospective investors. Provided reporting on new acquisition deals through data analysis across markets and portfolio.
Center stage impact for identifying potential growth prospects. Effectively managed the acquisition process, project delivery strategy and long-term road maps.
Implemented an exclusive mentor-ship training program for new investors to learn how to identify properties that will meet their financial objectives.Provided logistical support, course development, delivery, evaluation, process monitoring and measurements, and cost management for training.
AMEGY BANK
RISK MANAGEMENT OVERSIGHT MANAGER
Spearheaded day to day communications with sub-servicers and internal business partners for consumer and regulatory complaints, positioning the company into a competitive differentiator.
Monitored and identified trends through key risk indicators reporting findings to all stakeholders, remediating realized operational risks. Assisted in preparation for agency, investor and state exams, and CFPB origination requirements
Facilitated in the development and implementation of a comprehensive compliance and risk management program for sub-servicer performance ranging from loan boarding to liquidation, reviewing all aspects of loans servicing.
Devised and implemented action plans to abate regulatory, operational and litigation risk to the firm while streamlining for greater efficiency.
Served as the subject matter expert for the Compliance and Risk Management department on the National Flood Insurance Program.
Responsible for the development of the Risk Management’s curriculum on the fundamentals of the National Flood Insurance Program.
Conducted training needs analysis to determine skills, knowledge and performance gaps in order to develop curriculum effectively by using adult learning methodologies.
Facilitated in person training to Risk Management associates and Compliance auditors. Created a positive learning climate so learners were engaged and motivated to seek clarity, perform new tasks and apply knowledge.
Evaluated effectiveness of the training program's design and participant's retention through, classroom interactions, job performance metrics and manager feedback.
LENDERLIVE NETWORK
COMPLIANCE AUDITOR
Performed systematic audit procedures to measure the quality of the mortgage loans originated and serviced in areas such as RESPA, TILA, UDAAP, HMDA, ECOA and the National Flood Insurance Program.
Monitored and identified trends through key risk indicators reporting findings to all stakeholders, remediating realized operational risks.
Analyzed credit documents, and evaluated and various other factors, bridging the gap between the client and business.
Served as the subject matter expert for the Learning and Development (L&D) department on compliance and regulatory training.
Responsible for the development of the company’s curriculum on the fundamentals of the National Flood Insurance Program.
Conducted training needs analysis to determine skills, knowledge and performance gaps in order to develop curriculum effectively by using adult learning methodologies.
Facilitated in person and virtual training via Web Ex to processors, underwriters and mortgage loan officers.
Created a positive learning climate so learners were engaged and motivated to seek clarity, perform new tasks and apply knowledge.
Evaluated effectiveness of the training program's design and participant's retention through program evaluations, assessments, classroom interactions, job performance metrics and manager feedback.
CLAYTON/A COVIUS SOLUTION
DUE DILIGENCE - CONTRACT UNDERWRITER
Performed due diligence compliance reviews on the servicer’s (Aurora Bank) Bankruptcy and Foreclosure default portfolio mandated by the Office of the Comptroller of the Currency (OCC). Researched accounts using PACER (bankruptcy database) and Soldier Sailor Relief Act database.
Performed due diligence compliance reviews on the servicer’s (Aurora Bank) foreclosure actions to determine if borrowers suffered any financial injury through errors, misrepresentation or negligent practices.
Played a center role in preparing audit reports that presented findings, cited applicable regulations, identified deficiencies, and recommended corrective actions.
BLACK KNIGHT FINANCIAL SERVICES
IMPLEMENTATION CONSULTANT
Served as liaison between end-users and the information technology organization consulting on special projects to meet specific mortgage client requirements.
Entrenched a timely and smooth client implementation process through consulting on the execution of all internal and external project related activities.
Documented client’s needs, technology, or regulations related to system design, enhancement, acquiring hardware or software that positively impacted multiple platforms and/or applications.Managed user access to database applications, including the creation, modification and deletion of user names and passwords.
Defined the product scope, objectives, and requirements outlined specifications and data models for product development and testing, evolving the technical capabilities of the business.
Facilitated virtual training of web based application (Invoice Management) via Web Ex to end users, encouraged engagement and participation, while meeting the class objectives and time limits.
BANK OF AMERICA
LOSS MITIGATION ASSISTANT TEAM MANAGER (ATM)
Managed the short sale liquidation or deed in lieu of delinquent properties to minimize losses for investors such as (FNMA) Fannie Mae, (FHLMC) Freddie Mac and (PMI) Private Mortgage Insurance.
Analyzed statistical data and reports to establish trends in performance, resulting in maximum effective and efficient use of resources.
Monitored and reviewed loss mitigation mortgage loan files including credit, title, appraisals, credit documents, property valuation, loan-to-value ratios, debt carried and analysis of hardship.
Collaborated with mortgagers, attorneys, and investors to obtain financial information and determine workout packages available, in accordance with financial situation and investor guidelines.
JP MORGAN CHASE
REO ASSET MANAGER II
Managed strategies for the timely liquidation of real estate owned (REO) assets through marketing, sales and contract negotiation.
Provided final approval for cash for keys, marketing plans, repairs, maintenance, listing price, value reconciliation, price reductions, HOA lien settlements, concessions, and contract negotiation.
Collaborated with legal counsel, Investor, Insurance Agents, title agents and local government agencies and external authorities to ensure activities are in compliance with applicable policies, procedures and/or state laws. Executed closing documents on behalf of the bank.
Assisted with title resolution issues. Responsible for mentoring, guidance, development and training of associates and outsources. Facilitated outsourcer monthly meetings. Assisted with SOX audit preparation.
WELLS FARGO
TITLE CURATIVE ANALYST
Served as an advisory resource to the REO, bankruptcy, foreclosure and loss mitigation default departments.
Analyzed mortgages, liens, judgements,easements,plat books,maps,legal descriptions, covenants and restrictions, in order to ensure legal standing.
Submitted claims to title companies for letter of indemnity. Enlisted legal counsel to address complex subordination, vesting issues, child support liens,judgement liens,IRS liens, mechanic and vendor liens, unsatisfied mortgages.
Resolved title claims, investigated impairment matters and coordinated resolution of title issues with local legal counsel. Served as an advisory resource to the REO, Foreclosure and Bankruptcy business units with title issues. Negotiated settlements to satisfy title issues.