Open to opportunities

Tammy cook

@tammycook

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Mortgage servicing and loss mitigation professional with 30+ years' banking experience.

United States

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What I'm looking for

I am seeking a senior role in mortgage loss mitigation or servicing where I can apply my compliance expertise, train teams, manage delinquent portfolios, and help borrowers find sustainable solutions.

I am a mortgage servicing and loss mitigation professional with over 30 years of banking experience, specializing in borrower hardship resolution, foreclosure alternatives, and delinquent loan portfolio management. I have extensive experience evaluating borrower financial documentation, applying investor guidelines, and guiding borrowers through loan modifications, repayment plans, short sales, and deed-in-lieu solutions while maintaining strict regulatory compliance.

I have worked with FHA, VA, USDA, Fannie Mae, and Freddie Mac loan programs and served in roles spanning loss mitigation, collections, loan review, and vendor/RESPA remediation. I bring proven skills in escalation handling, training and mentoring peers, documentation accuracy, and compliance support, complemented by recent professional development in human resources and workplace leadership.

Experience

Work history, roles, and key accomplishments

Current

Agent – Manufacturing

Current

Curio Wellness

Nov 2025 - Present (4 months)

Follow GMP and SOP standards for packaging and labeling in a regulated production environment while maintaining accurate production records and inventory tracking.

GMP Packaging Labeling Quality Control Safety Procedures

Production / Quality Control

Tyson Foods

Mar 2024 - May 2025 (1 year 2 months)

Maintained quality control standards across rotating workstations in a high-volume production environment, ensuring proper labeling, packaging, and safety compliance.

Quality Control Production Operations Labeling Packaging Safety Compliance Line Rotation Documentation

Sr. Relationship Manager II

U.S. Bank

Dec 2014 - Jun 2023 (8 years 6 months)

Managed a high-volume pipeline of delinquent mortgage loans, evaluating borrower financials and applying investor guidelines to deliver loss mitigation solutions and foreclosure alternatives.

Loss Mitigation Mortgage Servicing Fannie Mae Freddie Mac FHA VA+USDA Collections

Loan Review Analyst

Bank of America

Jan 2012 - Dec 2014 (2 years 11 months)

Conducted mortgage file reviews to ensure documentation accuracy and compliance, supporting audits and improving curtailment and document-building processes.

Loan Review Compliance Auditing Curtailment SharePoint

Vendor Relationship Coordinator

Bank of America

Jan 2007 - Jan 2012 (5 years)

Coordinated vendor relationships for RESPA remediation, researched regulatory compliance issues, and updated HUD-1 and SSPL data to meet standards.

RESPA Regulatory Compliance HUD SharePoint Audit Support

Credit Servicing Specialist

Bank of America

Jan 1999 - Jan 2007 (8 years)

Prepared closing documentation and ensured underwriting compliance while coordinating with loan officers and appraisers during mortgage processing.

Closing Documents Underwriting Mortgage Processing Coordination File Management Customer Service Case Management

Collateral Processor

Bank of America

Jan 1990 - Jan 1999 (9 years)

Managed lien documentation for installment loans, including auto titles, deeds of trust, and UCC filings, maintaining accurate collateral and lien records.

Collateral Management UCC Title Processing Compliance

Education

Degrees, certifications, and relevant coursework

Cornell University

Professional Certificate, Human Resources

Completed the Human Resource Essentials Program at Cornell University covering workplace behavior, performance alignment, bias mitigation, coaching culture, active listening, and hiring practices.