Kimberly Yates

Paid utilities, rent deposit refunds, insurance and various other living expenses for military families living in military housing.

Created specialized promissory notes as required for by specific financing terms. Disbursed daily financing requests. Daily balance the distribution to loan amount ledgers. Pay rents to landlords. Reconcile the daily file with the distribution file sent to the bank. Monitor all franchisee requests for research/assistance and respond in 24 hours. Prepare amortization schedules.

Process Support - Remediation

Track modification files through various stages to resolve any issues causing the file to stay in one position, unable to move on through the waterfall system. Performed system maintenance and answered caseload questions to finalize position for final resolution of modification.

Process Support - Modification Negotiation

Developed trial payment plans as precursors to permanent loan modifications. Gathered and input data into various system tools for use in calculating payments.

Process Support - Document Collections

Review loan documents and prepare modification packages to submit to underwriting for verification of income.

I held 4 different positions over the course of 24 years that I worked for LoanCare starting with;

Payment Processor

Investor Accounting Assistant 1

Investor Accounting Assistant 2

Senior Investor Accounting Specialist

Duties included applying mortgage payments to customers accounts. Prepared and submitted monthly reports to private investors and agencies such as Fannie Mae, Freddie Mac, Ginnie Mae and followed with remittance according to schedule. Reconciled bank statements. With each promotion came more portfolios with a greater degree of difficulty in managing and reconciliation.