Richard Ramsay

Vice President,Manager Loss Mitigation Resolution at First Citizens Bank


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Specialties: Consumer and Mortgage Loss Mitigation ,Collections,Bankruptcy,Foreclosure,Recovery and REO Mgmt.

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Loss mitigation
Default Management
REO Management
Lean Six Sigma
Work experience

Aug 2016 - Present

First Citizens Bank

Vice President, Manager Loss Mitigation Resolution

Leading a team of "Best in Class" Loss Mitigation Underwriters and Support staff, we support First Citizens 500 plus branches in 18 states.Our mission is to find solutions that allow our customers to regain financial stability, while providing service excellence during the process. In todays regulatory environment, its more important than ever to provide a customer experience that focuses on integrity and consistency, combined with fair,equitable treatment. We strive to provide this in every interaction!#ForeverFirst


Mar 2012 - Aug 2016

PNC Bank

Vice President,Senior Manager Lending Services DDA Default

Senior Manager of the DDA Collection site.Providing collection services to the PNC branch network.Leading a team of collection professionals focused on making a difference for our clients and company.

Apr 1987 - Mar 2012

RBC Bank

Senior Manager, Bank Officer, Default Management

Managed Mortgage and Consumer Loss Mitigation, Collections ,Bankruptcy,Foreclosure,Recovery and REO functions for RBC Bank Default Management Team.Created and managed the Recovery, Consumer Foreclosure, Bankruptcy and REO departments.Consolidated the DDA collection function for a 400+ branch network.

Oct 1980 - Apr 1987

National Bank of South Carolina

Recovery Manager Asst. Vice President

Managed the Recovery function and provided collection support and guidance to the branch network. Consolidated and managed the consumer bankruptcy function.Developed the attorney and agency collection program.Created and managed the centralized credit card collection team.

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