Erin R. Gilbert

Objective To apply my experience in default mortgage servicing, mortgage origination, loan processing, quality assurance, compliance and underwriting. Gain further knowledge within the banking industry.

Qualifications

Proficient in LoanServ/FiServ, Comit, Microsoft Office applications, QuickBooks Pro and QuickBooks POS software, Leading Edge software, Calyx mortgage software, Encompass mortgage software, Desktop Originator and Underwriter programs. Knowledgeable in CACS, Nautilus, and File Net systems.

Highly conscientious, organized and dependable. A natural leader accustomed to working in a busy, faced paced environment while maintaining a positive attitude with focus on teamwork and compliance. Motivated, energetic, detail and customer service oriented. Able to work independently as well as a part of a team. Able to identify risk and follow CFPB and Federal Banking laws.

Professional

Experience

2013 - Present Fifth Third Bank Fort Myers, FL

Homeowners Assistance Specialist II

Review borrower hardship applications to determine if the mortgagor meets predetermined criteria for a liquidation workout. Work externally with mortgage brokers, investors, title companies, attorneys, insurers and real estate agents to mitigate foreclosure, REO Avoidance/losses. Work internally with recovery, consumer, foreclosure, REO, bankruptcy, legal, property preservation and charge off teams. Counsel mortgagors on the impact of completing a short sale or deed in lieu of foreclosure. Analyze the borrower’s financial statements, tax returns, credit reports, and prepare file for internal quality assurance and insurers, investors while meeting CFPB regulations. Negotiate sales contract and deficiency terms. Prepare file for insurer and investor approval, specializing in bank owned and private investor portfolios. Prepare settlement package for closing agent after approving the final HUD-1 Settlement Statement. Revised current procedures for processing bank owned and private investor liquidation workouts.

2010 - 2012 Fifth Third Bank Fort Myers, FL

Quality Control Support Specialist

Ensured accounts efficiently moved through the outreach and loss mitigation processes, utilizing reports, spreadsheets, records and research of the loan history. Identified accounts that are currently being reviewed for a loss mitigation workout to ensure compliance with the investor. Identify accounts that are over timeline to reduce the risk of compliance fines assessed by FNMA and FHLMC. Participated in the development of the Servicing Alignment Initiative policies and procedures. Solicited loss mitigation on non-performing accounts and/or accelerated the account to foreclosure to meet investor foreclosure timeline requirements. Provided feedback and suggestions to management to streamline process and improve productivity.

2009 - 2010 Fifth Third Bank Fort Myers, FL

Homeowners Assistance Specialist I

Reviewed borrower hardship applications to determine if the mortgagor meets predetermined criteria for a retention workout. This determination is based on the provided financials and mortgagor intent. Counseled mortgagors on increasing income or reducing expenses when deemed necessary. Knowledgeable with the ability to analyze the borrower’s financial statements, tax returns, credit reports, etc. Processed file for quality assurance, insurer and investor approval. Monitored booked repayment and forbearance plans for timely payments and accurate reporting.

15100 Royal Windsor Ln #1902 Fort Myers FL 33919 239-464-6711 cell Erin.Gilbert@53.com

2008 - 2009 Copperhead Golf Club Lehigh Acres, FL

Controller/Office Manager

Posted daily cash and credit card deposits to QuickBooks accounting software. Established credit card merchant accounts, batched and reconciled sales. Processed accounts payable and receivable. Prepared monthly & year-end bank and general ledger reconciliations. Processed payroll for 27 employees as the human resource manager. Implemented and managed employee retirement and health benefits. Filed monthly sales tax reports to the FL Dept. of Revenue and remitted payment. Calculated cost of goods sold and prepared P&L and balance sheet reports. Assisted General Manager in all areas of the golf club including the food and beverage operation.

2006 - 2008 Key Mortgage, LLC Pinehurst, NC

Loan Processor/Licensed NC Loan Officer

Provided training support for licensed Loan Officers on originating, processing and closing conforming, non-conforming, VA, FHA and USDA residential mortgages. Originated and processed an average of 35 residential and commercial mortgages per month. Prepared file for lender underwriting, cleared underwriting conditions, scheduled closing and approved the final HUD-1 with focus on compliance. Processed post closings procedures in compliance with NC Lending Regulations. 2005 – 2006 Paradise Landings Group Cape Coral, FL

Licensed FL Mortgage Broker/Processor

Proactively solicited new residential mortgage loans, specializing in construction permanent loans and the refinance of existing loans. Developed and maintained a quality network of business relationships to grow book of business while meeting established production goals. Met with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information needed to clear file for closing. Focused on regulatory requirements while demonstrating a commitment to professional ethics. Complied with all Federal and State compliance policies while providing outstanding customer service.

2004 – 2006 Paradise Landings Group Cape Coral, FL

Real Estate Assistant/ Office Administrator

Created and maintained listing files according to NAR. Designed and implemented marketing materials for licensed agents. General office administration, MLS maintenance and closing support for all parties associated with the real estate transaction. Worked closely with the client, title co., builders and cooperating realtors to provide a positive experience for our customers. Processed payroll request for licensed realtors.

2004 Home Mortgage USA Fort Myers, FL

Licensed FL Mortgage Broker/Processor

Proactively solicited new residential mortgage loans, specializing in construction permanent loans and refinance of existing loans. Developed and maintained a quality network of business relationships to grow book of business while meeting established production goals. Met with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information needed to clear file for closing. Focused on regulatory requirements while demonstrating a commitment to professional ethics. Complied with all Federal and State compliance policies while providing outstanding customer service.

2003 - 2004 Priscilla Murphy Realty Sanibel Island, FL

Office Administrator

Maintained associates and employee human resources files. Training and hiring supervisor for positions of marketing assistant and receptionist. Monitored pipeline for agents pending and closed real estate transactions. Processed commission check requests and accounts payable. Prepared listing and sales reports while acting as the office MLS Administrator.

2001 - 2003 First Florida Mortgage Banc Fort Myers, FL

Licensed FL Mortgage Broker/ Processor

Proactively solicited new residential mortgage loans, specializing in the refinance of existing loans. Developed and maintained a quality network of business relationships to grow book of business while meeting established production goals. Met with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information needed to

clear file for closing. Prepared file for lender underwriting, cleared uw conditions, scheduled closing and approved the final HUD-1 with focus on compliance. Processed post closings procedures in compliance with FL Lending Regulations. Focused on regulatory requirements

while demonstrating a commitment to professional ethics. Complied with all Federal and State compliance policies while providing outstanding customer service.

1997-2001 Paradigm Yacht Sales Fort Myers, FL

Office Coordinator & Listing/Closing Secretary

Created and maintained yacht listings on several multiple listing systems. Prepared closing documents to facilitate closing; notarized all closing documents. Applied for transfer of state title and registrations or US Coast Guard documentation. Prepared and filed monthly Sales & Use tax for the FL Dept. of Revenue. Event planning for international and national boat shows. Worked with various international and national advertising companies to develop sales materials. Provided administrative support to a team of 10+ licensed yacht brokers. Maintained clientele database. State of FL licensed Notary Public.

Awards

Education

2013 QC Stars of the Month Award; 8/12 monthly wins!

Spirit of the Pin Recipient

R.O.C.K.S Award Recipient; 3rd Qtr of 2015

Edison Community College Fort Myers, FL

Communications; 1997 & 1999

Brevard Community College Cocoa, FL

Communications; 1996

O’More College of Design Franklin, TN

Communications; 1996

Waterford Kettering High School Waterford, MI

Graduate 1996

5/3 Professional

References

Krista Lefchak, AVP Fifth Third Bank

Michelle Inloes, Manager Fifth Third Bank

Greg Hortemiller, VP Fifth Third Bank