Helen K. Kibby

Experience

• 

  UC Davis Medical Center

  Mar 1997 - Apr 1998

  Volunteer

  Managed six to eight multi-lines in busy call center, prioritizing the calls and communicated verbally to the attending doctor/pharmacistUNITED WAY COMMITTEE 2004-2006Served on the United Way Committee at Central Pacific Mortgage, to provide funding for local non-profit organizations

• 

  NEIGHBORHOOD WORKS

  Feb 1998 - Nov 1999

  Volunteer

  Volunteered at the Money Store to help low income individuals in local communities restore their homes by repairs, painting, and yard work

• 

  The Money Store

  Feb 1998 - Nov 2000

  LOAN PROCESSOR – IN OPERATIONS DIVISION

  • Process, Draw and Fund loans in timely manner.• Interpret credit reports, title reports, and appraisals to insure that data meets loan program guidelines. • Ability to analyze and verify income, payment history, verify assets; set up escrow accounts, order payoffs, verification of employment, verification of mortgage; clear liens and judgments.• Inspect final documents for quality assurance and process checks to fund.• Establish and maintain cooperative relationships with co-workers. Show less

• 

  Central Pacific Mortgage

  Mar 2001 - Feb 2007

  DOCUMENT DRAWER/FUNDER – IN CLOSING DIVISION--SUSPENSE ANALYST – IN POST CLOSING DEPARTMENT

  • Responsible for providing quality and efficient customer service to Central Pacific Mortgage Branch Offices by providing timely accurate and thorough closing documents, reviewing executed documents returned from closing agent for accuracy and preparing necessary paper work to enable the funds to be wired to close the loans. • Responsible for delivering quality customer service to closing agents and internal departments.• Knowledge of drawing/funding FHA, VA, Sub-prime, CalHFA, CALPERS, Conventional, HELOC, and Reverse Mortgages.• Computer proficiency – the ability to effectively utilize required software packages, Data Trac, LSSI, Word, Excel, Guardian, Doc Magic, Pro-Direct, ConformX, Internet, Groupwise, Outlook, and My CPM• An ability; to effectively communicate with Branch Offices, Closing Agents, Underwriters, to solve problems in a timely manner with the Compliance and Post Closing Departments.• Prepare the Loans to sell to Investors---• Re-analyze borrower’s approval qualification• Reconfigure Insurance and Property Tax Escrow Accounts• Frequently meet with management to update loan status Show less

• 

  HOMEQ SERVICING

  Jan 2008 - Aug 2010

  LOAN COUNSELOR IN CALL CENTER

  IN CALL CENTERManage a portfolio of over 200 accounts.Responsible for providing excellent customer service by answering questions pertaining to billing status of borrowers' account.Assigned to High Risk Unit to assist borrowers with High Risk Loans on best options available.Take payments from Borrowers though Assisted Electronic Payment. Offer different options to Pay Online, Western Union, Money Gram, Over-night Delivery Contact delinquent borrowers by phone and assist them to achieve a current status by establishing Payment Plans, Modifications, and offer financial advice.Notify borrowers if Hazard/Flood Insurance or Property Taxes are delinquent, and bring current.Knowledge of the Foreclosure process, including Breach Contract Letters, Property Inspections, Short Sales, Short Refinances, REO, and Deed in Lieu. Show less

• 

  Capital Christian Center

  Jan 2008 - Dec 2012

  VOLUNTEER/COMMUNITY SERVICE

  CHILD CARE IN NURSERYVolunteer in Nursery, child care for infants to 4 years oldCLASS SECRETARYVolunteer: take notes, send updated emails, track attendance, and report to data to Teacher.Provide refreshments and special activities.

• 

  OCWEN LOAN SERVICING, LLC

  Aug 2010 - Oct 2010

  HOME RETENTION CONSULTANT

  SPECIALIZED HOME RETENTION CONSULTANT - IN CALL CENTERManage a portfolio of over 150 accounts.Ability to deliver excellent customer serviceAssigned to High Risk Unit to assist borrowers with High Risk Loans on best options availableTo determine the appropriate path for resolution, based on customer's intentions, ability to pay, and work on an affordable payment solution.Follow up on critical files in the Foreclosure, Short Sales, and Deed in Lieu process

• 

  Sierra Pacific Mortgage

  Oct 2011 - Jan 2017

  LOAN AUDITOR IN POST CLOSE DEPARTMENT

  Ability to audit loans to the specification requirements of various investors in a timely manner.Knowledge of USDA, FHA, VA, CVL documents - Consistent audit of 16 – 18 files in an 8 hr. dayRequest files from Regional Operation Centers - Current on latest Compliance regulations–

• 

  Rural Community Assistance Corporation (RCAC)

  Jun 2018 - now

  Consumer Loan Officer

  Review 502 Direct Loan files for accuracy, request corrections when needed from Packager, in a timely manner.Electronically submit 502 files to Rural Development’s (RD) website.Recruit entities to become Qualified Employers, advice of the procedure involved, by via e-mail/RCAC’s website and follow up with a conference call. Review documentation for accuracy and completeness:• Signed/Completed 502 Collaborative Memorandum of Understanding Agreement (MOU)• Review the Affirmative Fair Housing Marketing Plan (AFHM) • Review documentation/resume and confirm Packager is Certified• Review entity’s Articles of Incorporation, By Laws, History, IRS Tax Exempt Determination Letter, and Certificate of Good Standing in States(s) Served or Letter certifying the organization is in good standing.• Run SAM (System for Award Management) on the entity• Once all requirements are satisfied, issue an Approval/Welcome Letter to the Qualified Employer.Open communication with local Rural Development offices in different states, test runs of electronic uploads, working with RD for leads of new entitiesArrange and conduct conference call with interested parties to discuss procedure to become a Qualified Employer.Keep accurate records/reports: Loan Application Packaging - Pipeline Report; Quarterly Loan Fund Report; Annual Intermediary Report; Packaging Bodies Report (Hard copy/online copy); List Qualified & Interested Organization. Work with IT department to keep 502 Direct Loan Program information updated on RCAC’s Website.Keep up-to-date on policy/procedure changes. Involved in updating the 502 Reviewer’s Checklist. E-mail Notifications to all Certified Packagers/Qualified Employers.Subscribe for email notifications from Rural Development for up-to-date changes effecting the Direct 502 Loan Program.Team Player – Help other departments with needed information for their reports. Show less