Denise Silva

Experience

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  BLB Resources, Inc

  Sept 2010 - Jan 2013

  HUD Appraisal/Listing Manager

  Managed a National REO Portfolio of HUD properties; yielding 99% sales price to value balanced with minimized loss. Ranked at 99% out of 23 HUD contracts. Recognized for leadership, management, negotiation and outstanding presentation skills. Negotiated contract terms with brokers and buyers to achieve net sale proceeds above 90%. Effectively led, trained and directed a team of seasoned REO Agents/Listing Specialists. Followed USPAP guidelines, standards and regulations. Determined sales methods, listing insurability, established marketing strategy and property list prices based on FHA Appraisal. Consistently exceeded daily, weekly, and monthly productivity standards despite the restrictive Fannie Mae guidelines. Show less

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  Auction.com

  Aug 2013 - Apr 2014

  Closing Coordinator

  Coordinating day-to-day activities to ensure each transaction closes on or before the scheduled close of escrows date. Effectively communicates with Clients, internal staff, Title and Closing Companies, Lenders, Seller’s and Buyer’s Agents to facilitate, follow-up and resolve closing issues in a timely manner. Increased loan production by 25% in 2013 by closing loans within 15 day closure goals. Prepare initial docs, closing disclosures and review preliminary title. Process Grant Deeds, Quitclaim Deeds, escrow instructions and amendments as required. Confirm closing dates with buyers and closing companies, ensure internal and seller systems have current status and updates. Understand Closer position and wiring funds. Review and complete weekly extension and termination reports. Follow-up file status, assists lenders in obtaining closing conditions from buyers. Review Final HUD, waivers and wire confirmation with Closing company. Show less

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  Carrington Mortgage Services, Mortgage Lending Division

  May 2014 - Jan 2015

  HOA/Utilities Supervisor

  Rental Management Nationwide portfolio of over 1000 Nationwide Rental Leases including the Utilities and maintenance of tenant leases.Increased Loss Prevention by 40% Nationwide through Utility negotiations and increased department productivity. Facilitated vendor relationship and contract bidding.Decreased HOA/Utilities and billing schedules by 30% by increasing departmental accuracy during processing. Held monthly staff meetings and conduct annual review process with direct reports for ongoing staff growth and development plans.Developed and created special monthly billing documents; including journal entries for utility income, rental charges to tenants, rent increase letters and statements. Worked with utility companies throughout the country to coordinate starting or stopping of services. Document retention for all critical items including leases, HOA documentation, inspection reports, applications, HUD documentation, title policy and PM agreements. Show less

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  Ultra Escrow Incorporated

  May 2015 - Sept 2015

  Escrow Assistant and Title Curative Specialist

  Independent escrow company, serving Arizona, California and Nevada. Liaison between seller and Title Company and responsible for following up to ensure timely resolution of all title issues. Increased Loan Closures 30% per month by reducing Title defects and assuring outstanding issues are resolved before committed due dates. Responsible for timely clearance of all curative issues, ordering demands, clear liens by negotiating and pays current. Prepare escrow instructions, closings, and document signings. Experience with Foreclosure process, Auction files/REO Sales and Loan Docs. Show less

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  Ten-X

  May 2016 - Jul 2016

  HUD Specialist -

  Navigated this high paced, ever changing fee based environment by expertly reviewing the fees based on the commission structure agreements from the Seller against contracts and estimated HUDs as provided by the Closing Companies. Audit files ensuring that all documents collected are in compliance with the Seller’s requirements.Calculate and verify that the fees and commissions are paid accurately to all parties including but not limited to the Managing Agent, Buyer’s Agent, and Buyer’s Premium. Ensures or all fees, commissions and credits if applicable, are reflected in the correct line item on the HUD. Execute designated Seller approved HUDs and Closing Statements. Assist with follow-up on Final HUD, Waivers and wire/confirms with closing offices. Participate in achieving Team/Department goals. Show less

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  American Coast Title

  Aug 2016 - Dec 2016

  Escrow Officer

  Successfully negotiated challenges between Nationwide clients and lenders to resolve title gaps before closing. Increased client satisfaction and executed operational assignments within a cross-functional team. Handled high volume work loads while meeting timeframe and budget requirements.Achieved a 35% reduction in interdepartmental turn times by level loading work loads across multiple functions. Executed real estate (refi) transactions from beginning to end; determined requirements, prepared all documents for lender, performed banking transactions, evaluated and approved closing documents, and disbursement of funds. Preparing and submitting closed loan packages and disbursement documentation, recordings and final policy packages to the appropriate internal departments. Understanding all aspects of Mortgage closer position from doc drawing wires to funding. Competent in CD’s and HUD-1 date entry and calculated payoffs with correct per diem. Analyzed tax requirements and assured that all tax requirements were up to date and paid as necessary. Prepared ALTA Settlement Statements for TRID transactions. Show less

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  Upfront/Beachside Rehab

  Nov 2017 - Apr 2018

  Intake Coordinator

  First point of contact for prospective clients who are expected to use industry-specific knowledge, good judgment, critical thinking skills and salesmanship to solidify commitments and make appropriate placements for clients in a program. Receive live calls and web leads effectively and efficiently while following Salesforce Workflow processes to ensure appropriate completion of tasks from start to finish. Compile, record, and evaluate personal and financial data in order to verify completeness and accuracy, and to determine eligibility status. Show less

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  FAS

  Apr 2018 - Sept 2022

  REO ASSET MANAGER/ASSISTANT ACCOUNTING/VALUATIONS

  Management of REO portfolio from Foreclosures to closings. Reviewed Broker's Price Opinion, appraisals and repair bids to determine marketing strategy and approved expenses for repairs. Received and reviewed repair bids from Safeguard and general contractors to minimize costs while maximizing the property’s presentation and profitability. Preparation and execution of contracts, amendments and other sale documents to facilitate timely closings. Possess good judgment in solving problems and ability to work well with others in a fast paced environment. Extensive and broad knowledge of the industry and relevant external forces, with a significant understanding of business operations within the mortgage servicing and real estate industry. Assist other departments when needed. Show less

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  Spectrum Solutions Acquisitions LLC

  Jul 2022 - now

  HUD Project Manager