RISK SPECIALIST Professional Summary Sales operations professional experience wholesale, retail, servicing loss mitigation mortgage banking industry. Expertise includes cold calling, mortgage processing operations, underwriting quality assurance developing refinance liquidation program mortgage servicing company. Experience March 2014 November 2014 Company Name City State Risk Specialist Perform duties integrated partner Home Loans business leaders ensure appropriate awareness execution risk management process Assist identifying, designing, executing appropriate risk management processes practices establishing well-managed business Responsible standard risk reporting management, including input/updates various reports. August 2010 February 2014 Company Name City State Loan Modification Underwriter Review analyze borrower documentation determine income repayment ability, assess borrower hardship, analyze housing expenses, determine proper loan resolution. Work loan modification underwriter Chase, BAU, HAMP, Freddie Mac, Fannie Mae FHA loans Work loan remediation underwriter specializing post modification auditing remediation Review recommended foreclosure prevention alternatives offered homeowner ensure investor/insurer guidelines followed Analyze delinquency, perform escrow analysis, analyze modification scenarios proposals recommend appropriate loan workout Reviewed default escalations, foreclosure recession reviews duplicate MHA files Received 3 awards outstanding quality production. February 2009 July 2010 Company Name City State Mortgage Refinance Liquidations Manager Manage pipeline current qualifying refinance candidates worked motivated candidates effort increase credit scores meet new mortgage guidelines. Work mortgage portfolio managers develop loan settlement borrower maintains profitability yield investor provide principal reduction borrower. Developed refinance program mortgage servicing company provide exit strategy qualifying refinance candidates order increase cash flow company third party mortgage investors Performed due diligence mortgage created asset sheets showed borrower’s credit, mortgage payment histories, employment, previous appraisal values current market property values Developed direct mail phone campaigns reach qualified borrowers attempt originate new loan borrower would provide tangible benefit Coordinate flow refinance activity provide Microsoft Excel reports Prodovis management, 3rd party investors mortgage portfolio investors. April 2008 January 2009 Company Name City State Account Manager Recruited physicians cold warm sourcing matched open permanent physician opportunities. Coordinated activities physician client interview process closing. September 2007 April 2008 Company Name City State Account Executive Originated Conforming, Jumbo, Alta-A Home Equity loans mortgage brokers Maintained monthly funding average one two million dollars. April 2007 August 2007 Company Name City State Loan Acquisitions Account Executive Made cold calls banks acquired portfolios distressed charged 1st 2nd mortgage liens acquire distressed loan portfolios Worked point contact banks due diligence team solve problems occurred due diligence process. July 2004 April 2007 Company Name City State Loan Processor/Wholesale Account Executive Worked inside sales associate managing production team outside Michigan sales representative helping increase monthly production volume five million eight million dollars nine month period Worked mortgage processor largest team division loan processor monthly production volume increased 75 million 110 million dollars nine month period. June 2003 July 2004 Company Name City State Retail Mortgage Account Executive Worked sub-prime lending division originating purchase, refinance home equity mortgage loans Developed self sourced referral method utilizing 3rd party collection agencies new mortgage leads. November 2002 June 2003 Company Name City State Retail Loan Officer Worked sub-prime lending retail office originating purchase, refinance home equity mortgage loans Highest producer office February 2003. May 2001 July 2002 Company Name City State BPO Support Analyst Worked inside support help desk analyst Freddie Mac's BPO software Provided phone email support BPO appraisers needing assistance uploading BPOs bpodirect.com. Education 2004 University Phoenix (Dallas Campus) City State United States Masters Business Administration Business Administration 1998 Texas Tech University City State United States Bachelor Science Degree Telecommunications Marketing Telecommunications Marketing Skills