Open to opportunities

Raven Smith

@ravensmith

Mortgage Loan Counselor focused on loss mitigation, delinquency resolution, and helping borrowers preserve homeownership.

United States

Message

What I'm looking for

I’m looking for a remote, compliance-driven loss mitigation role where I can negotiate sustainable payment solutions for borrowers, explain escrow and options clearly, and prevent delinquency with consistent documentation and empathetic communication.

I’m a Mortgage Loan Counselor and primary contact for borrowers across multiple mortgage portfolios, negotiating sustainable solutions to resolve delinquency and preserve homeownership. I structure customized payment plans and loss mitigation options, including forbearance, repayment plans, and Mortgage Assistance Application (MAA) guidance. I also analyze and explain escrow accounts, taxes, and insurance so borrowers clearly understand their payment breakdowns during life-altering events.

At TD Bank, I advanced from Debt Collector to Loss Mitigation Specialist for top performance resolving delinquent accounts. I negotiated payment solutions and settlements with defaulting clients to reduce delinquency and prevent charge-offs, while managing 50+ high-risk cases weekly. I assess customer financial hardships to recommend tailored repayment plans, forbearance, and loss mitigation options—always balancing compliance, documentation, and client communication in a fast-paced remote environment.

Alongside my mortgage work, I bring a strong client-care foundation from delivering 1:1 ABA therapy and providing companion care. I document session data and progress with clinical accuracy, and I’ve coordinated on-call coverage, onboarding, and scheduling—strengthening my crisis management, communication, and leadership instincts. For me, the goal is consistent: use empathy, accuracy, and clear options to help people move forward.

Experience

Work history, roles, and key accomplishments

Current

Mortgage Loan Counselor

Current

Loancare

Jan 2026 - Present (5 months)

Serve as primary contact for borrowers across multiple mortgage portfolios, negotiating sustainable solutions to resolve delinquency and preserve homeownership. Structure loss mitigation options including forbearance, repayment plans, and MAA guidance, while explaining escrow, taxes, and insurance impacts during financial hardship.

Mortgage Loan Counseling Loss Mitigation Escrow Analysis Delinquency Client Financial Hardship Counseling

Current

Companion Care Provider

Current

Right at Home

Oct 2018 - Present (7 years 8 months)

Provided one-on-one companionship through supervised walks, social/recreational outings, and hands-on assistance to support physical activity and emotional well-being. Completed full-spectrum homemaking and sanitation (including laundry and bathroom sanitation) to maintain safe, clean living environments.

Companionship Care Safety Focused Support Time Management Client Autonomy Support Recreational Outings

Behavioral Therapist

Kyo Therapy

Sep 2025 - Jan 2026 (4 months)

Delivered 1:1 ABA therapy for children and teens with autism using individualized behavior intervention plans to increase independence at home and in the community. Documented session data and progress with clinical accuracy to support compliance with ABA standards.

ABA Therapy Behavior Plans Daily Living Skills Coaching Clinical Documentation Crisis Intervention

Loss Mitigation Specialist

TD Bank

Jan 2023 - Aug 2025 (2 years 7 months)

Promoted to resolve delinquent, high-risk accounts by negotiating payment solutions and settlements to reduce delinquency and prevent charge-offs. Managed 50+ cases weekly by assessing financial hardships and recommending tailored repayment plans and forbearance options while maintaining compliance and documentation.

Loss Mitigation Delinquency Settlements Forbearance Options Compliance Documentation Client Communication

Debt Collector

TD Bank

Dec 2022 - Jan 2023 (1 month)

Served as liaison between the bank and clients to recover outstanding balances across consumer and commercial accounts. Developed and enforced customized payment plans to improve collection rates while maintaining customer relationships.

Debt Collection Account Recovery Consumer And Commercial Collections Client Communication Compliance Documentation Conflict Resolution

Life Enrichment Specialist

Foothills Community Healthcare

Dec 2021 - Nov 2022 (11 months)

Designed and executed resident-centered events, activities, and outings for individuals in end-of-life care to improve quality of life through meaningful social engagement. Updated individualized care plans with clinical staff and supported CNA teams with daily care coordination.

Life Enrichment Programming End Of Life Care Cross functional Coordination Event Calendar Creation Clinical Documentation

On-Call Coordinator

Right at Home

Aug 2021 - Dec 2021 (4 months)

Led new hire orientation and onboarding to ensure compliance with Right at Home policies, procedures, and care standards. Managed after-hours on-call scheduling and coordinated recruiting activities by scheduling interviews, maintaining employee records, and resolving coverage gaps during client emergencies.

On Call Recruiting Coordination Interview Scheduling Coverage Gap Resolution