SUMMARY:

• Over 25 years of experience.
• Profit - driven banking professional and independent consultant with broad-based experience and genuine dedication to customer service, client relationship, management and business retention, offering extensive knowledge of mortgage/commercial/residential/consumer lending including loan operations, compliance, underwriting, processing, credit risk, loss mitigation, asset management, real estate owned (REO/ORE), Comprehensive Credit Analysis Review (CCAR), Repurchase Demands and Defenses, and documentation and portfolio management functions.
• Highly organized, results oriented professional with talent for balancing production needs with customer service and efficiency.
• Recognized for ability to lead and guide operating units while increasing technical expertise, skills and knowledge of staff.
• Exceptional leader; inspire teams, build productive employees and attain measurable results.
• Bring advanced service acumen, technical and problem solving skills.
• Critically evaluate and minimize operational costs in context of organization profitability.
• Dedicated to maintaining reputation built on quality, service and uncompromising ethics.
• Mortgage Loan Underwriting Mortgage Loan Processing Credit and Collateral Risk Loss Mitigation Loan Due Diligence CCAR (Credit Review Analyst) Compliance Repurchase Reviews (Demands and Defenses) Forensic Underwriting/Auditing Financial Analysis Loan Servicing and Payment String Account History Reviews Asset Portfolio Management and Servicing Team Leadership Policy Development

TECHNICAL SKILLS:

Microsoft Office Suite Horizon Point / Calyx Laser Pro

PROFESSIONAL EXPERIENCE:

Confidential

Credit Analyst

Responsibilities:

• Perform underwriting functions on all residential mortgage loan pools to include Credit, Collateral, and Compliance research and cures.

Confidential

Underwriter

Responsibilities:

• Perform underwriting functions on all residential mortgage loan pools to include full credit and collateral analysis, compliance with all federal and state regulations and lender guidelines; along with a full legal review of all origination and closing documents.
• This includes underwriting all loan packages, lender approvals, LP and DU preliminary and final approvals, and provide final recommendation of purchase; in order to ensure agency salability, Portfolio, and Private loan pools for sale and acquisition.

Confidential

Team Lead 

Responsibilities:

• Perform federally mandated auditing and data integrity functions as Team Lead on a Comprehensive Capital Analysis Review (CCAR).
• This included leading a group of underwriters (credit review analysts) and performing quality control functions on large pools (bank-wide) of residential mortgage loans.
• This was a 7 Phase Project to include reviews on all loans (active, closed, and current origination pipelines).
• The review was a combination of bank originated loan, correspondent loans, and loans acquired from purchase or acquisition of other banks or financial institutions.
• Lease Audit - Review of leases on large multi-family apartment complex for purposes of due diligence for sale to a new purchaser of the complex.
• Payment Stream/History Analysis and data aggregation.
• Chosen to stay on board through multiple reductions-in-force.
• Retained as final team member for clean-up of the project, location and delivery of spreadsheet data from multiple sources, and managing closure functions of the CCAR site/project/final completed loan data.

Confidential, Alexandria, Louisiana

Assistant Vice President, Loan Operations - Loan Processing and Closing Manager

Responsibilities:

• Direct daily activities of Loan Processors / Closers/Underwriters/Funders, including providing supervision, training, and sole responsibility for final review of all loans, from all locations/branches, ensuring full compliance with all bank policies and guidelines, as well as Federal and State regulations to ensure compliance.
• Monitor all financial and loan closing documentation supporting proper collateralization, credit risk, and loss mitigation prior to release of documents for closing, and ensure all documents are received and booked on Core System, and direct employees clearing all remaining conditions post close.
• Led bank to 90% paperless driving cost control efforts and efficiency by creating electronic file storage for loan documents to be shared between approved personnel.
• Facilitated “at a glance” pipeline tracking through creation of group shared electronic calendar for all loans received, complete with date and time of expected closing, name of processor/closer and applicable attorney, and date closed.
• Increased accountability and efficiency, as well as, eliminating Late Notices on loans closed and not properly booked and General Ledger discrepancies through development and implementation of electronic reporting tool identifying when loans were received, printed, sent to be closed, received back, and booked into Core System.
• Saved costs and enhanced productivity and efficiency by recommending utilization of electronic appraisal and environmental files.

Confidential, Alpharetta, GA

Team Lead

Responsibilities:

• Served as a Team Lead for FDIC Receiverships on failed banking institutions, while providing oversight for Bank regarding establishment of guidelines for strike teams entering and exiting failed institution, development of procedures, forms, templates, job descriptions, travel requirements, reporting requirements, deployment process, and asset management for marketing and sale of received assets.
• Delivered numerous key contributions to FDIC awarded contracts including developing detailed guidelines and procedures for Confidential, completing and submitting final guidelines for management which outlines the asset marketing and sale of assets, creating Interview questionnaire and job descriptions for potential members and support staff utilized throughout hiring procedures.

Confidential, Irving, Texas

Consultant

Responsibilities:

• Contractual company for many facets of business in the banking, financial services industry.
• Asset Servicing Professional and REO/ORE Asset Management Professional
• Managed workouts, asset management, loss mitigation, and final disposition.
• Served as workout specialist for active loans through FDIC Receivership. ORE/REO workout specialist for loans in default or foreclosed prior to closure by Federal and State Regulators.
• Serviced mortgage real estate, consumer, and commercial real estate, construction, and vehicle loans.
• Ensured proper coverage by floating through numerous functions offering oversight by pairing with Asset Managers, Project Managers, FDIC Legal, Accounting, Operations Manager, ORE, Post Closing Asset Manager, other FDIC Representatives,
• Real Estate Brokers, Investors, Appraisers, Environmental Specialists, and other contractual personnel focused on bringing all assets to final disposition and maximizing recovery for FDIC Receivership.
• Maximized time, monitoring, and accountability for each asset as member of Final Closing team, providing guidance and assisting in final closure of facility at end of Receivership / failed institution, as well as, developing spreadsheets for milestone and progress monitoring throughout process.
• Qualified, sourced, and on-boarded five additional personnel supporting Receivership needs.

Confidential, Atlanta, Georgia

Consultant

Responsibilities:

• Underwriting contract services for banking and financial institutions nationwide.
• Performed final credit, collateral review, and compliance review of seasoned loans in foreclosure or in serious delinquent status in possible repurchase position.
• Reviewed original loan documentation, conducted investigations identifying potential misrepresentation and / or fraud schemes.
• Prepared final Repurchase Review recommendations and reports for submission to servicers, banks, and investment firms.
• Selected by management to stay on as "best underwriter" through numerous cutbacks and layoffs.

Confidential, Brandon, Florida

Unit Manager

Responsibilities:

• Oversaw on-boarding, training, and supervision of eight national Team Lead Underwriters managing regional clients, sales staff, and budget.
• Reviewed loans determining credit worthiness, appropriate collateralization, and compliance with company policies, credit risk, loss mitigation, products, and pricing matrices, as well as, all Federal and State regulations.
• Delegated with management level approval and exception authority.
• Prepared and submitted daily reports addressing areas or trends of concerns, recommending approval or declination for acquisition in pools of loans ranging from multi-million dollar pools to smaller pools .
• Served as Managing Team Lead for larger volume clients and 50 permanent and contractual employees, while on larger loan acquisition pools of loans for securitization by bank. Served as primary contact for larger volume sellers and created and delivered training materials and presentations for clients on products, product changes, current or new underwriting guidelines.
• Garnered prestigious Long-Term Achievement Award for stellar demonstration of skills, as well as, being recognized with Outstanding Performance Reviews two years in a row
• Chosen to transfer to sister company at final division closure as Level III Underwriter, one of only five to be kept on throughout closures and cutbacks.

Confidential, Jacksonville, Florida

Manager - Consumer Risk Oversight Transaction

Responsibilities:

• Handled daily operations, while providing leadership and expertise to nine Consumer Risk Oversight Post Closing Underwriters engaged in post review of more than 240 different loan programs.
• Ensured accuracy and efficiency by providing skill enhancement for direct reports through goal-setting, delegation, training, counseling, and performance management developing solid team responsible for 10% of monthly pipeline closures.
• Consistently met and exceeded set goals through implementation of monthly staff production and quality goals.