Looking for a job

Javier Rivera

@javierrivera1

Message

I lead compliant mortgage default servicing operations, portfolio reporting, and high-performing teams.

United States

Message

What I'm looking for

I'm looking to lead compliant mortgage servicing operations, improve processes and portfolio performance, and develop teams in a fast-paced environment.

At Essex Mortgage, I lead default servicing operations, developing specialists, managing workflow performance, and protecting lender assets through compliant claim filing, default reporting, and bankruptcy processes.

I've progressed from Team Lead to Default Supervisor and Default Manager, overseeing KPIs, aged inventory, quality controls, regulatory changes, and reporting for portfolio health. I also resolve team conflicts and support a positive, cohesive workplace culture.

My mortgage servicing background includes investor reporting, loan analysis, court-document review, loan sales, and financial reconciliation at PHH Mortgage Corporation and Trinity Financial Services. I work fluently in English and Spanish and use reporting and analysis to improve operations and manage risk.

Experience

Work history, roles, and key accomplishments

Current

Default Manager

Current

Essex Mortgage, LLC

Jan 2026 - Present (8 months)

Lead and develop a team of default specialists, overseeing workflow distribution, performance metrics, and productivity. Ensure compliance with investor, agency, and mortgage insurance guidelines, and manage claim filing, default reporting, and bankruptcy processes.

Default Servicing Team Leadership Compliance Mortgage Insurance Claims KPI Monitoring Risk Management Bankruptcy Reporting

Default Supervisor

Essex Mortgage, LLC

Jun 2024 - Jan 2026 (1 year 7 months)

Reviewed and reported monthly default servicing information to government-sponsored entities. Developed tracking reports for high-priority loans and implemented process improvements to streamline operations.

Default Servicing Reporting FHA Fannie Mae Freddie Mac Process Improvement Data Analysis

Team Lead

Essex Mortgage, LLC

Feb 2023 - Jun 2024 (1 year 4 months)

Led and managed workflows for a team of bankruptcy coordinators. Reviewed documents for court proceedings and reported default servicing information to government-sponsored entities.

Team Leadership Bankruptcy Mortgage Servicing Document Review Reporting

Loan Analyst

Trinity Financial Services

May 2022 - Nov 2022 (6 months)

Created and maintained Smartsheet and Excel reporting for the mortgage loan portfolio. Analyzed re-performing loans for sale and coordinated with third parties regarding loan sales and transfers.

Smartsheet Excel Loan Analysis Reporting Data Analysis

Investor Reporting Analyst

PHH Mortgage Corporation

Apr 2020 - Apr 2022 (2 years)

Researched, analyzed, and prepared data for business decisions. Reviewed and reported default servicing information to government-sponsored entities and monitored effectiveness of solutions and processes.

Investor Reporting Data Analysis Default Servicing Reporting Project Management

Contract Management Coordinator

PHH Mortgage Corporation

Aug 2012 - Mar 2020 (7 years 7 months)

Reviewed and executed documents for court proceedings in mortgage servicing. Verified accuracy of documents drafted by outside counsel and coordinated with multiple teams for escalations.

Contract Management Document Review Mortgage Servicing Excel Coordination