Sophie Dowling
Colorado Springs
Summary
Results-driven business professional with extensive experience in hard money lending. Skilled in loan servicing, defaults, and foreclosures, with a strong focus on delivering measurable results. Expertise in building out departments, developing efficient processes, project, and driving business success. Currently seeking to leverage my skillset in hard money lending.
Overview
4
4
years of professional experience
Work History
Escrow Manager
Mortgage Solutions Financial
11.2024 - Current
- Oversee a designated portfolio of loans and ensure proper risk assessment and mitigation.
- Monitor performance of loans, identifying potential issues, and implementing corrective actions.
VP of Servicing & Collections
Capital Fund I, LLC
02.2022 - 11.2024
- Developed and executed strategic initiatives to drive business growth resulting in higher revenue, market share expansion, and sustainable success for the company
- Evolved and restructured departments for increased efficiency, optimizing resource allocation and improvement cross-departmentally
- Managed a 900MM loan portfolio, overseeing performance metrics and implementing strategies to enhance overall portfolio health, with a focus on improving and mitigating non-performing assets
- Built out processes and the department from inception, including the implementation of comprehensive procedures for default and foreclosure accounts.
- Prepared billing statements and invoices for customer purchases and recorded transaction date, price and fees to support accuracy.
- Reconciled accounts receivable ledger to verify payments and resolve variances.
- Maintained strict adherence to company confidentiality policies when handling sensitive financial data and personal information for clients.
Loan Servicing Manager
Capital Fund I, LLC
11.2021 - 02.2022
- Improved loan servicing efficiency by implementing streamlined sub-departments for mortgage insurance, payoffs, extensions, lien releases, client services, and collections which reduced the percent of missed payments by 38.5%
- Led and developed a team of 13 servicing professionals, providing training and performance management to improve team productivity and drive successful resolution to complex loan servicing issues
- Successfully migrated a loan portfolio of 2,800 accounts into a new loan servicing software, enhancing system efficiency and accuracy in loan management.
- Developed comprehensive training materials for new hires, resulting in faster onboarding and increased productivity.
- Balanced multiple projects simultaneously while maintaining exceptional attention to detail in all aspects of coordination efforts.
Loan Extension Specialist
Capital Fund I, LLC
07.2021 - 11.2021
- Manage the extension of all matured loans, ensuring timely and accurate processing.
- Obtain and verify all necessary documents, including lease agreements, current property photos, tax payments, and insurance compliance.
- Work closely with the underwriting team to ensure all properties are in good condition and compliant with company regulations.
- Ensure all payments are made on time, minimizing risk and maintaining positive relationships with borrowers.
- Review and analyze documentation to assess the condition of collateral and identify any potential risks.
- Maintain clear communication with borrowers, underwriting, and other internal teams to facilitate a smooth loan extension process.
- Stay up-to-date on relevant regulations and company policies to ensure compliance throughout the loan extension process.
Client Services
Freedom Financial Network
10.2020 - 07.2021
- Delivered outstanding customer service by maintaining a professional demeanor during high-pressure situations
- Educated clients on account services and resolved inquiries related to statement information and account balances.
- Exceeded performance targets consistently, contributing to the success of the Client Services department.
- Oversaw account transitions during mergers or acquisitions, ensuring seamless integration into existing systems without disruption to client services.
- Managed caseloads efficiently, ensuring timely documentation and delivery of client services.
Education
BBA - Business Administration And Management
Arizona State University
05-2028
Skills
- Bilingual in Spanish
- Private Hard Money Lending
- Loan Servicing and Processing
- Operations Management
- Revenue Generation
- CRM Software Proficiency
- Quickbooks
- Relationship Management and Development
Languages
Spanish
Native or Bilingual
Timeline
Escrow Manager
Mortgage Solutions Financial
11.2024 - Current
VP of Servicing & Collections
Capital Fund I, LLC
02.2022 - 11.2024
Loan Servicing Manager
Capital Fund I, LLC
11.2021 - 02.2022
Loan Extension Specialist
Capital Fund I, LLC
07.2021 - 11.2021
Client Services
Freedom Financial Network
10.2020 - 07.2021
BBA - Business Administration And Management
Arizona State University
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