Don B Fontana

• Conducted thorough reviews of loan modification files to establish actions for mortgage document processing.
• Employed skip tracing techniques to successfully locate contacts for client-identified exceptions.
• Analyzed chain of title using deed chains and related documentation to clarify ownership issues.
• Worked alongside management, clients, and vendors to produce replacement loan modification packages.
• Issued detailed instructions to vendors regarding replacement loan modifications and ensured quality compliance.
• Executed outbound call campaigns aimed at obtaining borrower cooperation on unresolved issues.
• Managed inbound borrower calls through tele-queue systems to clarify inquiries about the curative process.
• Showcased knowledge of lender documents and modification agreements with attention to state-specific regulations.

• Responsible for administration of a portfolio of secured, reverse residential mortgage loans in bankruptcy to minimize potential losses and preserve lien holder interests.
• Monitored cases to ensure milestones met in accordance with bankruptcy plans and case progression using AACER, trustee sites, as well as updated internal systems of record and attorney process tracking via Black Knight Financial Services/LPS, and filed plan objections as warranted.
• Prepared figures and related documentation for proof of claims, motions for relief, notices of default, agreed orders, affidavits of default, and transfers of claims to facilitate the drafting of same.
• Quality checked counsel-drafted POCs, MFRs, NODs, AOs, AODs, and TOCs and provided approval to file with courts.
• Processed correspondence and documents concerning account information, bankruptcy updates, and collateral via proprietary document repository and BK Sharepoint sites.
• Handled inbound and outbound phone calls and emails with attorneys, bankruptcy trustees, and consumers (when appropriate).
• Accessed chapter 13 trustee websites and bankruptcy National Data Center to confirm payments and trustee claim information.
• Performed discharge reviews to determine any lien release requirements and accounting adjustments/reconciliations upon discharge.
• Reviewed and approved Tax advances on collateral parcels for escrow services during pendency of bankruptcy.
• Notated all actions taken on each account in internal systems.

• Retention letter compliance review utilizing comprehensive knowledge and application of investor guidelines and requirements
• Reviewed and analyzed borrower-submitted financial documents to include income, credit, collateral, and asset via client proprietary imaging portal to ensure compliance to investor-. program-, and proprietary-specific guidelines (GSE, Non-GSE, and FHA, VA, and USDA)
• Disposition of letter tasks based on file completeness or rejected same for inaccuracies i.e., missing items, items requested but not needed, and grammar exceptions to internal processing team via default workflow system and loan servicing platform, MSP
• Communicated and partnered with underwriters and loan processors to ensure borrower response packages were complete and ready for income calculation

Loan Modification Underwriter

• Reviewed and analyzed borrower-submitted financial documents to include income, credit, collateral, and assets via client proprietary imaging portal while ensuring compliance to investor-. program-, and proprietary-specific guidelines (HAMP, Non-HAMP, GSE, Non-GSE, and FHA)
• Performed financial analysis to include DTI, LTV, and income calculations to determine preferred modification option based on the client-delegated authority matrix
• Consistently met daily production goals of 8-10 files per day as established by management and documented servicing portal and all applicable client systems of record.

Compliance Quality Auditor

• Performed audits of loan modification workout packages for accuracy and compliance to CFPB New Mortgage Servicing Standards, investor-specific guidelines, and client SLAs while consistently meeting daily production goals as established by management
• Documented servicing portal and all applicable client systems of record: MSP/AS400, iPortal, SharePoint, Access