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Vivian Grigorian

@viviangrigorian

Mortgage servicing specialist at PennyMac who reviewed loss-mitigation files and supported borrowers with loan modifications.

United States

Message

At PennyMac, I managed delinquent mortgage accounts and supported borrowers through repayment, forbearance, and loss-mitigation options. I reviewed borrower documents, account histories, and case notes for accuracy, and tracked missing information and deadlines.

I also worked at Capital One as a Credit Analyst, Fraud Recovery Specialist, and Collections Coordinator. My work included investigating disputed transactions, researching account discrepancies, and documenting resolutions in line with servicing and compliance requirements.

Experience

Work history, roles, and key accomplishments

Specialist III – REACH Collections

PennyMac

Jan 2023 - Jan 2025 (2 years)

Managed complex delinquent mortgage accounts and supported borrowers through repayment, forbearance, and loss-mitigation options. Reviewed account histories and documentation for accuracy, coordinated loan modifications, and escalated issues as needed.

Loss Mitigation Mortgage Collections Loan Modification Forbearance Documentation Review Compliance Audit Readiness Escalation Handling Customer Service Excel Microsoft Word

Counselor II

PennyMac

Jan 2020 - Jan 2023 (3 years)

Managed delinquent mortgage accounts and guided borrowers through loss-mitigation application and review processes. Collected and reviewed financial documents, explained repayment options, and maintained audit-ready case notes.

Loss Mitigation Mortgage Collections Loan Modification Forbearance Documentation Review Compliance FDCPA CFPB FHA HUD Customer Service Excel Microsoft Word

Credit Analyst

Capital One

Jan 2015 - Jan 2020 (5 years)

Reviewed credit applications and account information, evaluated supporting data, and made or recommended decisions within policy. Researched discrepancies, processed credit-line updates, and maintained accurate records.

Credit Analysis Account Research Fraud Investigation Regulatory Compliance Data Entry Excel Microsoft Word

Fraud Recovery Specialist

Capital One

Jan 2014 - Jan 2015 (1 year)

Investigated disputed transactions and fraud claims, reviewed account evidence, and determined appropriate recovery or liability actions. Documented findings and communicated with customers, merchants, and internal teams.

Fraud Investigation Dispute Resolution Account Research Documentation Client Communication Escalation Handling

Collections Coordinator

Capital One

Jan 2006 - Jan 2014 (8 years)

Managed delinquent credit-card accounts, established payment arrangements, and resolved account questions. Reviewed account status and payment history, documented customer contacts, and followed collection and compliance requirements.

Collections Account Management Payment Arrangement Customer Service Compliance Documentation