Open to opportunities

Justin Gramke

@justingramke

Message

I streamline mortgage servicing operations, compliance, corporate advances, and financial reconciliations.

United States

Message

What I'm looking for

I'm looking to apply my mortgage servicing, compliance, corporate advance, and process-improvement experience in a role where I can build reliable workflows, strengthen financial controls, reduce risk, and bridge business needs with technical execution.

At Flagstar Bank, I managed corporate advances and cash operations across FNMA write-downs, default liquidation, payment deferrals, investor remittances, and subservicing invoices. I built MSP dashboards and control reports to monitor servicing risks across loss mitigation, foreclosure, and bankruptcy.

I bring more than 10 years of loan servicing, compliance, accounting, audit, and process-improvement experience. My work includes auditing post-claim liquidation files, reconciling advances and ledgers, managing Treasury funding provisions, and supporting internal and external audits.

Earlier, I supported receivables, financial reporting, budget forecasting, and software deployments at MSX International and the Flint & Genesee Chamber of Commerce. I enjoy translating business and system requirements into clear workflows that improve accuracy, compliance, and operational execution.

Experience

Work history, roles, and key accomplishments

Senior Cash Ops and Process Specialist

Flagstar Bank

Mar 2019 - Sep 2025 (6 years 6 months)

● Optimized and managed the end-to-end FNMA write-down and default liquidation lifecycle, ensuring 100% compliance with investor remittance requirements.
● Performed various month-end closing tasks. Expertise in banking and servicing regulations.

Cash Ops and Liquidation Specialist

Flagstar Bank

Feb 2016 - Mar 2019 (3 years 1 month)

● Automated the reconciliation of borrower contributions and corporate advances, utilizing advanced Excel and Passport Database functions to eliminate ledger discrepancies.
● Applied redemption, short sale, and third party foreclosure funds.
● Serviced numerous loan types in compliance with Investor, Insurer, Agency, and company guidelines.

Accounts Receivables Specialist

MSX International

May 2015 - Feb 2016 (9 months)

● Processed receivables, applied payments, and reconciled ledger balances.
● Managed payment of temporary labor for Fortune 500 customers.
● Investigated unpaid invoices, outstanding balances, and payments received without documentation.
● Prepared aging reports and other financial statements.
● Created various budgets, expense schedules, and forecast future capacity.

Accounting

Flint and Genesee Chamber of Commerce

Jun 2013 - May 2015 (1 year 11 months)

● Kept books & prepared monthly financial statements for-profit and non-profit organizations.
● Prepared statements, trial balances, and other financial reports.
● Assisted in budget process and audit preparation for multiple small businesses within the Chamber of Commerce.
● Reconciled bank statements and balanced ledger accounts.
● Coordinated accounts payable mailings and check distribution.