Bobby O.

Gardner
355 Bentson Road
Lantana, Texas 76226
940-293-3194
Qualification Summary
* Progressive Management career with over 25 years of collection/loss mitigatio
n experience, which includes prime/sub-prime auto, prime/sub-prime mortgage, ind
irect and direct consumer portfolios, small business banking and bankruptcy
* Excels in developing and implementing programs where the end result has been
a reduction in delinquency and losses
* Extensive knowledge of the fair debt collection act, privacy act, bankruptcy
laws and self-help laws
* Proficient in Microsoft office word and excel with the ability to learn new p
rograms quickly
Professional Experience
National Bankruptcy Services, Dallas Texas
10/2009 to Present
Workout Services Production Manger
* Manage the proof of claim and plan review production team
* Strategize and set daily, weekly and monthly goals
* Ensure that all metric and bar dates files are filed in timely manner
* Ensure that all objection to claims are handled in a timely manner
* Work directly with clients to ensure that are goals are meet
* Handle the client calls and address any concerns and implement changes that w
ould allow the production process to be decreased in time
* Manage the administrative team that handles all the amended proof of claims,
supplemental proof of claims, transfer of claims and calls from the client, debt
or or their attorney
* Handle client reporting
* On site visits with the clients
Fannie Mae
Portfolio Manager
12/2008 to 10/2009
* Execute strategic account plans to minimize risk and losses to Fannie Mae and
increase Servicer effectiveness
* Build/Maintain relationships with key servicing personnel in the Servicer's s
hop
* Handle the response to and resolution of escalated calls and email messages f
rom Servicers
* Provide a rapid response for adverse or special situations with Servicers
* Conduct file reviews to ensure servicers have deployed Fannie Mae's loss miti
gation standards
* Input loss mitigation cases in HSSN
* Review and approve loss mitigation cases in DARTS
* Provide subject matter expertise as needed
* Analyze problems and develop strategies for a resolution
* Ensure that servicer complies with the Fannie Mae servicing guide lines for a
ll areas of servicing
* Review servicer delinquency reports to ensure that services accurately code d
elinquent files
* Review servicers reclassification and modification procedures to ensure that
Fannie Mae capital is maximized to assist homeowners
* Review servicers campaign management and collection processes and provide pro
cess improvement consultation
* Track and resolve advocacy issues related to Fannie Mae loss mitigation proce
dures
* Ensure servicer staff is trained on Fannie Mae loss mitigation procedures
* Ensure the servicer has effectively deployed Fannie Mae delegation and provid
e feedback to Fannie Mae directors
* Review all declined loss mitigation cases to ensure workout could not be offe
red to the home owner
* Review and approve workouts
* Work directly with the servicer's foreclosure and redemption department to mi
nimize losses and increase workout opportunities
Princeton Information Ltd
Loan Resolution/Loss Mitigation Specialist
9/2008 to 12/2008
* Contractor for Fannie Mae reviewing loans for loss mitigation and resolution
* Ensuring that these reviews are conveyed back to the servicer for their follo
w up in a timely manner to increase the workout opportunities and minimize losse
s for Fannie Mae
* Strategizing these reviews based on potential greatest losses by state and ge
ographical areas to ensure that all workout opportunities have been offered to t
he homeowner and minimize the losses for Fannie Mae
* Input loss mitigation cases in HSSN
* Review and approve loss mitigation in DARTS
* Review files from the servicers for reclassification to ensure that they are
within the guide lines and procedures of Fannie Mae
Capital One Bank
Collection//Loss Mitigation/Repossession Manager for Direct Servicing
06/2006 to 9/2008
* Develop and implement policies and procedures that reduced delinquency, losse
s and repossessions
* Manage the entire day to day operations of the collection department
* Ensure compliance with all required regulations and statues
* Reviewed all files for loss mitigation and litigation
* Held lending authority in order to override loans for workouts
* Yearly review of all our repossession vendors to make sure in compliance with
the bank and had the required insurance coverage
* Provided monthly reports to senior management
* On the board of directors for the Capital One Community Corps overseeing volu
nteer projects for the Dallas area
* Work directly with our bankruptcy department
* Work directly with our attorney group
Acting Collecting Manager for Direct and Small Business Banking
02/2006 to 06/2006
* Managed over 45 employees
* Managed a $7 billion portfolio consisting of unsecured, real estate and movea
ble property
* In 120 days was able to trim delinquency by 50%
* Trained new employees
* Hired and created a team that consisted of over 40 new hires
* Overseen the loss mitigation area
* Reviewed real estate loans for either workout, non-accrual or foreclosure rec
ommendations
* Held lending authority in order to override loans for workouts
Indirect Section Manager
07/1997 to 02/2006
* Managed over 75 employees
* Reduced losses and delinquency through restructuring of loans
* Trained employees and reviewed their monthly performances
* Set monthly goals while creating monthly incentive plans to motivate the team
* Established a network of recovery agents and built a strong working relations
hip with local and state law enforcement agencies, dea, fbi, homeland security a
nd towing companies
* Served as President of Hibernia volunteer group for the Baton Rouge Area
* Served as Grievance Director/Vice President for the Louisiana Recovery Associ
ation from 1/2005 to 6/2006. This included working direct with the Office of Fin
ancial Institution of Louisiana and the Louisiana Attorney General's office whil
e employed at Hibernia Bank
United Companies
Collection/Loss Mitigation Manager
8/1992 to 7/1997
* Managed $4 billion sup-prime mortgage portfolio
* Managed over 60 employees in house
* Managed 5 outside field reps
* Oversaw the predictive dialer group
* Reviewed accounts for loss mitigation and foreclosure
* Worked directly with our bankruptcy and insurance departments to minimize pot
ential losses and delinquency
* Provided weekly and monthly delinquency reports to senior management
* Provided feedback monthly to senior management on appraisal companies, mortga
ge companies and loan originators where changes needed to be made
* Presentations to investors as required
Zachary Financial
Assistant Branch Manager
8/1990 to 8/1992
* Manage all collections aspects to include the inside and outside collections
of accounts
* Approved and closed, auto, mortgage and unsecured loans
* Created new business
Education
Attended American Institute of Banking Seminars and Courses pertaining to Collec
tions, Recovery, Litigation , Foreclosures and Bankruptcy
Attended yearly Recovery Association seminars keeping me current on all recovery
laws
Attended Midwest Odometer Seminar
Attended Louisiana State University from 1996 to 1997